英文:
Meaning of the value "conventional" in loan_type_description field for Plaid's get liabilities endpoint
问题
我正在使用 Plaid 的 /liabilities/get 端点来获取关于用户抵押贷款的数据。特别是，我试图确定抵押贷款是“本金和利息”还是“仅利息”。除了从剩余余额的历史推断出来之外，是否有可靠的方法来确定这些信息？我可以使用 loan_type_description 字段吗？
从 Plaid 的 API 文档 中可以看到关于 loan_type_description 的说明：
贷款类型的描述，例如常规、固定或可变。此字段直接来自贷款服务提供商，没有一个枚举的可能值集。
我的问题是，如果返回的数据是 conventional，这是否意味着它是一种“本金和利息”的抵押贷款？Plaid 是否有关于典型结果的任何信息？
英文:
I am using Plaid's /liabilities/get endpoint to retrieve data about a user Mortgage. In particular, I am trying to determine whether a mortgage is "principle & interest" or "interest only". Is there a reliable way to determine this information other than inferring it from the history of the remaining balances? Can I use loan_type_description field?
From Plaid's API documentation, it says this about loan_type_description
> Description of the type of loan, for example conventional, fixed, or variable. This field is provided directly from the loan servicer and does not have an enumerated set of possible values.
My question is, if the data returned is conventional, does it mean it is a mortgage of type "principle & interest"? Does Plaid have any information on what the typical results are?
答案1
得分: 0
根据API文档的指示，这个术语是由抵押贷款机构设定和定义的，而不是由Plaid确定的。然而，一般来说，常规贷款的定义是符合CFPB对常规贷款的定义1： "常规贷款是指不受政府（如联邦住房管理局、退伍军人事务部或农业部贷款计划）保险或担保的任何抵押贷款。" 这与还款计划无关：常规贷款可以是仅利息的，也可以要求付利息和本金。
英文:
As the API docs indicate, this term is set and defined by the mortgage lender, not by Plaid. However, in general, the definition of a conventional loan is one that complies with the CFPB's definition of a conventional loan1: "A conventional loan is any mortgage loan that is not insured or guaranteed by the government (such as under Federal Housing Administration, Department of Veterans Affairs, or Department of Agriculture loan programs)." This is unrelated to the repayment schedule: a conventional loan can be either interest only or it can require payments of interest and principal.
1: https://www.consumerfinance.gov/ask-cfpb/what-is-a-conventional-loan-en-117/).
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