Why does a bank charge prepayment penalties on mortgage loans?

为什么银行会对按揭贷款收取提前还款罚款？

So, some banks have a prepayment penalty, but not all of them.

所以，有些银行有提前还款罚金，但不是全部。

And what are balloon payments and prepayment penalties?

Kiko：什么是大额付款和预付款罚金？

Rafael doesn't understand these terms, the ones about balloon payments and prepayment penalties.

拉斐尔不明白这些条款，那些关于大额付款和预付款罚款的条款。

Few borrowers want to risk huge prepayment costs if their circumstances change and markets have moved in the wrong direction.

如果情况发生变化并且市场朝着错误的方向发展，很少有借款人愿意承担巨额提前还款成本的风险。

A " penalty" is a punishment – something you have to pay, usually, in the case of a prepayment penalty.

“penalty”是一种惩罚——在预付罚款的情况下，通常是你必须支付的东西。

Kiko also asks about " prepayment penalties." For some loans, you actually get a penalty if you pay the loan early.

Kiko 还询问了“提前还款罚金” 。 对于某些贷款，如果提前还款， 您实际上会受到罚金。

That's the meaning of " prepayment" – to give the bank more money than you are supposed to according to your agreement.

这就是“预付”的意思——给银行比你约定的多的钱。

A mortgage with an inflated interest rate, and a balloon payment and a prepayment penalty if he tried to get out of it.

利率过高的抵押贷款，如果他试图摆脱它， 就会有一笔大额付款和提前还款罚款。

A filing dated December 28th states that Bellatrix has a prepayment and offtake agreement with the Nayara refinery in India (49% owned by Rosneft) that it has assigned to Coral.

一份日期为 12 月 28 日的文件称，Bellatrix 与印度的 Nayara 炼油厂（Rosneft 拥有 49%）签订了预付款和承购协议，该炼油厂已分配给 Coral。