房贷利息大幅上涨

这里是某大银行给我发的房贷利息。大家可以看看最近几周利率大幅上涨。同样的买7/8个点，30年固定利率在两周内从7.625%涨到8.25%。这个涨幅应该是反映了最近市场对经济和政治形势的判断。

10/23

Conforming

Loan Type	MI Type	Interest Rate	Discount Points	APR
Conforming 5-year/6-month ARM		7.250%	0.000	9.264%
Conforming 7-year/6-month ARM		7.500%	0.000	9.081%
Conforming 10-year/6-month ARM		7.750%	0.000	9.146%
Conforming 30-year Fixed		8.250%	0.875	9.589%
Conforming 15-year Fixed		7.000%	0.000	9.379%

10/17

Conforming

Loan Type	MI Type	Interest Rate	Discount Points	APR
Conforming 5-year/6-month ARM		7.250%	0.000	8.020%
Conforming 7-year/6-month ARM		7.125%	1.000	7.794%
Conforming 10-year/6-month ARM		7.375%	0.750	7.796%
Conforming 30-year Fixed		7.750%	0.875	7.952%
Conforming 15-year Fixed		7.000%	0.000	7.415%

10/9

Conforming

Loan Type	MI Type	Interest Rate	Discount Points	APR
Conforming 5-year/6-month ARM		7.250%	0.000	8.006%
Conforming 7-year/6-month ARM		7.125%	0.750	7.780%
Conforming 10-year/6-month ARM		7.375%	0.625	7.782%
Conforming 30-year Fixed		7.625%	0.875	7.825%
Conforming 15-year Fixed		7.000%	0.000	7.394%

 

所有跟帖： 

• 好贵啊！我7月close的才6.5。也买了点。 -谦谦凡宝- ♂ (0 bytes) () 10/23/2023 postreply 09:17:52

• 太可怕了。现金买家如何撑起庞大的市场... -守月- ♀ (0 bytes) () 10/23/2023 postreply 09:50:43

• 现金买家比例越来越高，所以中低端的房子会受青睐。 -蓬莱阁21- ♂ (0 bytes) () 10/23/2023 postreply 09:52:21

• 比例高并非因为现金买家增加了，而是因为贷款买家大幅减少了。 -守月- ♀ (0 bytes) () 10/23/2023 postreply 09:55:20

• 非常可怕，两周前报价给我7.25， 但是今天已经7.625了，自住房，是外甥女买自住房，25%down，貌似还会接着涨 -米奇的厨房- ♂ (0 bytes) () 10/23/2023 postreply 11:59:44

• 看来长期利率还会涨 -gccard- ♀ (0 bytes) () 10/23/2023 postreply 14:16:27

• 我们觉得也是这样的，所以赶紧昨天抢了一个房子。怕夜长梦多啊 -米奇的厨房- ♂ (0 bytes) () 10/23/2023 postreply 15:34:32

• 请问三个例子里15年fixed 都是7%没有点数，可为什么APR却都不一样呢 -终于注册成功- ♂ (0 bytes) () 10/23/2023 postreply 14:34:00

• 房贷利息大幅上涨， 房价应该下跌吧？ -只取一瓢- ♂ (0 bytes) () 10/24/2023 postreply 00:05:06