泛宇財經速報 貸款資訊知曉 11-28-2022
mortgage
市場周事件 ▷▷▷
高抵押貸款利率使購房者爭先恐後地尋求救濟!
抵押貸款利率是一年前的兩倍多，因此許多購房者正在尋找方法將一些痛苦推遲幾年。
這一趨勢已將可調整利率抵押貸款 (ARM) 的使用率推高至十多年來的最高水平。
抵押貸款銀行家協會最近的一份快照顯示，在截至 10 月 14 日的一周內，ARM 佔所有住房貸款申請的 12.8%。這些貸款上一次在所有抵押貸款申請中佔據更大份額是在 2008 年 3 月的第一周.
今年年初，ARM 僅佔所有抵押貸款申請的 3.1%。當時 30 年期固定利率抵押貸款的平均利率為 3.22%，而上個月該利率高達 7%——自 2002 年以來的最高水平。
根據抵押貸款買家房地美的數據，本週 30 年期抵押貸款的平均利率降至 6.58%。一年前是 3.1%。
抵押貸款利率的迅速上升是在 10 年期美國國債收益率急劇上升之後出現的，由於美聯儲已上調短期利率以壓低美國最高的通脹率，因此整體利率上升的預期已經攀升幾十年。
隨著抵押貸款利率上升，他們可能會增加數百美元的每月抵押貸款支出。這對許多潛在購房者來說是一個重大障礙，導致今年的房地產市場低迷。上個月，美國二手房銷量連續第九個月下降。年銷售額正以疫情前的10 多年來最低速度運行。
對於仍然能夠在當前高抵押貸款利率下買房的購房者來說，在頭幾年通過可調整利率貸款減少每月還款額可以幫助他們獲得財務靈活性。
例如，購買典型的 5/1 ARM 的購房者在貸款的前五年將獲得較低的固定利率。之後，貸款利率變為可調整的利率，該利率可能更高或更低，直到還清債務或買方為貸款再融資。
最近流行的另一種方法是在頭兩三年購買固定利率 30 年期貸款的利率。
降低 30 年期抵押貸款的利率可以使每月還款更易於管理——隨著房地產市場放緩，房屋建築商和房主都在提供這種方法來吸引買家。
Today’s Rate
Daily rate based on: SFR/Primary/LTV60/FICO 780/Purchase
IMPORTANT: Advertised rates were valid and effective as of the date reflected above, are for informational purposes only, and are subject to change without notice.
Loans are subject to credit and collateral approval. Advertised rates are based on a set of loan assumptions including a borrower with excellent credit history and optimal loan characteristics. Your final interest rate and annual percentage rate (APR) may differ depending on your individual transaction’s specific characteristics, and certain products may not be available for your situation. Several determining factors include, but are not limited to, the state of the property location, loan amount, documentation type, loan type, occupancy type, property type, loan to value, and credit score.
APR reflects the cost of credit over the term of the loan expressed as an annual rate. For mortgage loans, APR may include the interest rate, discount points (also referred to as “points”), and other charges or fees (such as mortgage insurance and origination fees), but does not necessarily take into account other loan-specific finance charges you may be required to pay.
Golden Star, Inc. dba Transglobal Lending, 185 W. Chestnut Ave., Monrovia, CA 91016, NMLS # 1437002 (www.transgloballending.com). All rights reserved. Equal Opportunity Employer and Equal Housing Lender. All mortgage products are subject to credit property approval. Rates, Program terms and conditions are subject to change without notice. Additional conditions, qualifications, and restrictions may apply. This is not an offer for extension of credit or a commitment to lend.
