原告持有的是所谓的“Libor Plus浮动利率抵押贷款。银行监管机构——美国货币监理署(Office of the Comptroller of the Currency)的数据显示,目前美国至少有90万份住房贷款以Libor为基准并且发起于2005至2010年间,其未偿的本金金额总计2750亿美元。
Increasing Libor allowed banks “to raise the interest rates paid by the plaintiffs on their adjustable-rate notes, the complaint reads. Most adjustable-rate mortgages had the first day of the month as a “change date on which new repayment rates would reset, it adds.
原告声称,Libor上升使银行“得以提高原告对其浮动利率抵押贷款的偿付金额,并补充称,绝大多数浮动利率抵押贷款将每个月的头一天作为设定新的偿付利率的“利率浮动日。
Statistical analysis shows Libor rose consistently on the first day of each month between 2000 and 2010, the lawsuit claims. Between 2007 and 2010 Libor moved by as much as 7.5 basis points on certain reset days, it alleges. The plaintiffs’ calculation methods were not in the court documents.
该诉讼指出,统计数据显示2000至2010年间Libor在每个月的头一天一直呈上行走势;2007至2010年Libor在某些利率浮动日最多上升了7.5个基点。法庭文件中并未公布原告的计算方法。
“This can’t just be dismissed as a kooky lawsuit, said Dominic Auld, a litigator at Labaton Sucharow, who is not involved in the suit.
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