一个可能用得到的知识点：房贷和公司债有提前偿付风险，利率上涨或下降，投资者处于双输局面，债务人处于双赢局面 monseigneur2022-10-03 03:35:29

https://www.investopedia.com/terms/p/prepaymentrisk.asp
 

For mortgage-backed securities, mortgage holders may refinance or pay off their mortgages, which results in the security holder losing future interest. Because the cash flows associated with such securities are uncertain, their yield-to-maturity cannot be known for certain at the time of purchase.

相比之下，股票并没有这样的风险，股民投资者的股票不会在利率下降股价上涨之后，被公司用原先的低价回顾，而必须用现价

公司债发行后并非可以随时以发行价和利率购回的，与房贷不同

谢谢，我应该申明是callable bond