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。

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。

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。