按揭利率的跌幅是 41年来最大的一次。 WSJ 文章提到这对经济和消费者来说是一个好的信号。 另外,有人指出,目前的房价有可能处于”转折点” 如果你想在不久的将来购买或再融资你的房子,如果你想听听专家对这些变化有什么看法的话,那就值得投资这篇文章。

什么是按揭利率?

对大多数人来说,借钱买房是他们有史以来最大的投资之一。 抵押贷款,或贷款用于购买住房,是这一过程的重要组成部分。

抵押贷款利率一直在下降,这意味着潜在购房者现在比以往任何时候都更容易获得贷款。 以下是目前按揭利率的四个例子:

30年期定息按揭:4月4.375%
15年期定息按揭:4月3.875%
5/1ARM按揭: 目前提供,税率低至2.75%。
30年期大额贷款:目前利率低至3%。

为何利率会改变?

今年抵押贷款利率已经跌至历史低点,但为何会下跌? 虽然有几个原因,但最重要的是美联储提高利率的决定。

美联储控制银行收取的贷款利率,这影响抵押贷款利率。 如果美联储想增加贷款利率,就会提高贷款利率,如果想减少贷款利率,就会降低贷款利率。 这对抵押贷款有很大的影响,因为当银行提供低息抵押贷款时,它们会相互争夺客户,并压低平均抵押贷款利率。

住宅担保贷款利率低的另一个原因是,与往年相比,再贷款的人更多。 当人们能够通过再融资获得更好的住房贷款时,他们会成群结队地这样做。 这压低了平均按揭利率,因为贷款人希望吸引尽可能多的新客户。

但是,部分专家认为,由于信用问题或过去借贷习惯带来的高负债,没有资格获得传统住宅贷款的购买者的需求增加,抵押贷款利率在今后几个月内将继续下降。 这些买家正在寻找其他选择,如利率可调的抵押贷款或房屋权益贷款,这些贷款的利率低于传统抵押贷款。

确定你的实际利率需要多长时间?

你的实际利率是你实际支付的抵押贷款利率。 要找到它,你需要和一个贷款官员合作,他可以帮助处理数字,并根据你的贷款规模和利率确定你的每月付款。

为何按揭利率下降幅度是 41年来最大?

房地美(Freddie Mac)的数据显示,抵押贷款利率下跌了41年来最大幅度。 该公司表示,30年期固定利率抵押贷款的平均利率从上周的4.14%和一个月前的4.31%下降到本周的3.92%。 房地美副总裁兼首席经济学家Michael Feroli在一份声明中称,”最新降息反映出放贷方对借款人的激烈竞争.” 随着越来越多的放贷方竞相争取生意,它们都在降低利率以争取客户。 美联储自2008年底以来一直在降低利率,作为其刺激经济努力的一部分。 美国国债和其他长期投资的利率也在下降,这使得人们借钱买房更加便宜。

四. 结论

抵押贷款利率继续下降,根据房地美的最新数据,截至本报告撰写时,已降至4.33%。 这比上周的利率下降了0. 23个百分点,使30年期固定利率抵押贷款的平均利率降至4. 41%,虽然仍远高于历史平均水平,但表明市场经济仍在继续进步。

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