Key Words: 利率类型,Fixed Rate,ARM
美国房贷利率分为两大类型：
1. Fixed-Rate Mortgage：固定利率抵押贷款，比如30、15-Year Fixed等；
2. Adjustable-Rate Mortgage：可调（浮动）利率抵押贷款，简称ARM，常见有5/1 ARM、7/1 ARM、10/1 ARM等。
固定利率抵押贷款，每个月的月供还款额都是固定的。选择还款年期越短，利率越低。30年房贷的月供比较低，更容易负担，是大多数人的选择。
浮动利率贷款一般也是30年贷款，在开始的一段时间内利率固定不变，过后房贷利率会定期根据市场调整。比如5/1 ARM就是指，前5年是固定利率，之后每1年房贷利率都会调整一次。跟固定利率相比会有一定风险。
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