脚注
一号Derek Saul所著的“6月买家比33年买家便宜”。福布斯8122022https://www.forbes.com/sites/dereksaul/2022/08/12/it-was-less-affordable-to-buy-a-home-in-june-than-its-been-in-33-years/?sh=61323472717b
22021购房者代际趋势报告全美房地产商协会https://www.nar.realtor/sites/default/files/documents/2021-home-buyers-and-sellers-generational-trends-03-16-2021.pdf
披露
借证券可能不适合每个人市场条件可放大任何损失可能性详情请见下文重要披露
raybet炉石传说住宅按揭贷款由Morgan Stanley私人银行和National协会提供,后者是Morgan StanleySmithBarneyLC子公司raybet炉石传说与Morgan StanleySmithBarneyLLC的投资关系不必建立或维护以获取Morgan Stanley私人银行提供住宅按揭产品raybet炉石传说所有住宅按揭贷款/家庭股权信用线均受Morgan Stanley私人银行独立批准标准的制约速率、条件和程序可不经通知修改住宅按揭贷款可能无法在所有州都提供关岛、波多黎各和美国均缺维京群岛可能适用其他限制其中所载资料不应被视为出借承诺raybet炉石传说Morgan Stanley私有银行,全国协会是平等房客和成员FDIC,主要由货币审计局管理全局按揭许可系统唯一标识#663185住宅按揭贷款收益(包括从住宅股本线贷出和预留款)不得用于购买、交换或携带合条件差值偿还差值债务用来购买、交换或携带差值或支付根据注注、贷款协议或贷款担保协议所欠的任何金额raybet炉石传说无法存入Morgan StanleySmithBarneyLLC 或其他代理账号
raybet炉石传说Morgan Stanley私人银行和National协会提供基于关系定价的依据是客户或其直系成员(即祖父母、父母和子女)在Morgan StanleySmithBarneyLC帐户内持有的合条件资产(统称“家庭资产”)的价值家庭资产必须在住宅按揭贷款关闭日期前保留在适当合格账户内关系标价对适配贷款不可用
raybet炉石传说通过Morgan Stanley私人银行、NationalAcsociation提供保证资产特征,申请方或第三方plegor(统称Client)可能能够质押合格证券,替代21笔或部分定金支付或再融资按揭贷款raybet炉石传说客户端必须在Morgan StanleySmithBarneyLLC有代理账号账户质押证券价值低于贷款文件约定水平时,可要求客户存放附加证券或其他抵押品(如现金),以遵守按揭贷款条件。客户不存附加证券或其他抵押品时,客户质押证券可出售以满足客户义务,客户无权选择出售哪些资产借证券可能不适合每个人客户在判断质押资产特征是否适当时,应特别考虑他们在家庭投资受证券市场波动影响时的自在程度质押资产特征并非在所有州都可用可能适用其他限制
重要风险信息证券贷:需要理解:(1) 足够的抵押品必须保留以支持您的贷款并接受未来的预付款2) 短期通知时需多存现金或合条件证券部分或全部证券可不经事先通知出售,以保持账面股本达到所需维护水平您无权选择将要出售的证券 。这些行动可能中断您的长期投资策略并可能导致不良税务后果或额外收费评估raybet炉石传说(4) Morgan Stanley银行、N.A.Morgan Stanley私人银行、National协会或Morgan StanleySmith BarneyLC(统称Morgan Stanley)保留不为任何预付请求提供资金的权利,原因包括抵押品不足或任何其他原因,但证券贷款中确认为承付设施的任何部分除外!raybet炉石传说5) Morgan Stanley保留随时提高辅助维护需求的权利raybet炉石传说和 (6) Morgan Stanley保留随时以任何理由调用证券贷款的权利
除差价贷款外,基于证券的贷款产品所得不得用于购买、交易或携带差价股票(或证券与ExpressCreditLine有关)偿还差值债务用于购买、交换或携带差值股量(或证券快递信用线)raybet炉石传说无法存入Morgan StanleySmithBarneyLLC 或其他代理账号
raybet炉石传说客户必须在Morgan StanleySmithBarneyLLC有代理账号,内含合格证券,作为证券贷款的抵押品
raybet炉石传说摩根斯坦利SmithBarneyLLC、摩根斯坦利私有银行、国家协会或摩根斯坦利银行酌情提供证券贷款
raybet炉石传说摩根斯坦利SmithBarneyLLC及其子公司及其雇员(包括金融顾问和私人财富顾问)不提供税务或法律咨询业务这些材料和文中的任何说明不应视为税务或法律咨询个人应咨询个人税务顾问或律师处理税务和税务规划事务,咨询个人律师处理个人信托和房地产规划事务
raybet炉石传说摩根斯坦利SmithBarneyLLC注册Broker/Dealer,非银行raybet炉石传说摩根斯坦利SmithBarneyLLC酌情与银行和其他第三方作出安排,帮助提供某些银行相关产品和服务。
raybet炉石传说Morgan Stanley Smith BarneyLC提供的投资、保险和年金产品
raybet炉石传说2022 Morgan StanleySmithBarneyLLC成员SIPC系统
![](data:image/png;base64,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)
CRC#4945728