为什么你贷不了款?

By Qiong (June) Zhang38 Comments

http://finance.yahoo.com/news/Why-you-cant-get-a-cnnm-1758048512.html?x=0&sec=topStories&pos=1&asset=&ccode=

贷款利率是很低,但问题是:如果你贷不了款,再低也跟你没关系!

现实很清楚,只有非常合格的人才有可能拿到贷款,还不一定能拿到最好的利率。4分之一的人贷款申请被打了回票,而有些人只不过是Credit上的小小的一点污点而已。

4分之一的回绝率只是现象的一半。现象的另一半是,很多有潜力的买家甚至连申请都没有递,因为他们知道自己递了也没有用,所以干脆就自觉放弃申请了。这一点从Fannie Mae和Freddie Mac的平均Credit Score上可以反映出来。现在的平均Credit Score是760!!!!!!

另外,对首付的要求也大幅度提高,平均值达到了几乎15%。几年前的泡沫经济时期,首付可以是0!!!

可以预期,随着合格买家的减少,需求将进一步下滑,房价可能会继续走低。

News, News-Mortgage

38 Comments to “为什么你贷不了款?”

  1. Jeanne says:

    Hi there, i read your blog occasionally and i own a similar one and i was just wondering if you get a lot
    of spam remarks? If so how do you stop it, any plugin or anything you can suggest?

    I get so much lately it’s driving me insane so any support is very much appreciated.

  2. Diego says:

    I all the time used to study piece of writing in news papers but now
    as I am a user of internet so from now I am using net for content, thanks
    to web.

  3. Tom says:

    I love your blog.. very nice colors & theme. Did you design this website yourself or did
    you hire someone to do it for you? Plz answer back as I’m looking to create my own blog
    and would like to find out where u got this from. cheers

  4. Thomas says:

    Please let me know if you’re looking for a author for your weblog.
    You have some really great articles and I feel I would be a good asset.
    If you ever want to take some of the load off, I’d really like to write some
    material for your blog in exchange for a link back
    to mine. Please send me an email if interested. Cheers!

  5. Nvcvda says:

    buy doxycycline for sale – order plaquenil without prescription purchase chloroquine generic

  6. Alnzhi says:

    purchase lasix generic – buy zithromax for sale buy azithromycin 500mg sale

  7. Uetlgw says:

    buy accutane 40mg for sale – buy amoxil 500mg generic buy amoxicillin online

  8. Chnxtb says:

    men’s ed pills – top rated ed pills buy generic prednisone 10mg

  9. Margot says:

    Do you mind if I quote a few of your posts as long
    as I provide credit and sources back to your blog? My blog is in the exact same area of
    interest as yours and my visitors would definitely benefit from some of the information you present here.
    Please let me know if this alright with you. Many thanks!

  10. Krystyna says:

    I’m more than happy to uncover this site.

    I wanted to thank you for ones time just for this wonderful read!!
    I definitely appreciated every part of it and i also have you book marked to look at new stuff in your website.

  11. Arlette says:

    Thanks for some other excellent post. Where else may just anyone get that type of info in such a perfect means of writing?
    I have a presentation subsequent week, and
    I am at the search for such info.

  12. Hgdwta says:

    cheap sildenafil pill – viagra 150mg price tadalafil 20mg canada

  13. Marylin says:

    First of all I want to say great blog! I had a quick question that I’d
    like to ask if you don’t mind. I was interested to find out how you center
    yourself and clear your mind prior to writing.
    I’ve had a tough time clearing my thoughts in getting my thoughts out there.
    I do enjoy writing but it just seems like the first 10 to 15 minutes are usually wasted simply just trying to figure out how
    to begin. Any recommendations or tips? Kudos!

  14. Vnzmdr says:

    order dutasteride pill – buy cialis online cheap tadalafil ca

  15. Cqyefn says:

    buy topiramate – order imitrex pills order generic imitrex 25mg

  16. I didn’t know that.

  17. Mazupo says:

    tadalafil 20mg usa – cozaar 50mg without prescription order warfarin 2mg without prescription

  18. Lasrml says:

    oral tadalafil 20mg – sildenafil online viagra price

  19. Ufikrd says:

    lasix 100mg uk – doxycycline 200mg brand sildenafil for sale

  20. Mufzho says:

    buy isotretinoin 40mg generic – azithromycin 500mg price zithromax 250mg cheap

  21. Mxcoyo says:

    modafinil 100mg ca – cheap online pharmacy buy ed medication

  22. Bovftd says:

    cialis online canada – Free cialis cialis mail order

  23. Qgzgot says:

    buy nexium generic – promethazine 25mg pill order promethazine pills

  24. Ppizmo says:

    canadian viagra and healthcare – buy sildenafil 100mg online sildenafil medication

  25. Nytwec says:

    viagra 50mg without prescription – order methotrexate 2.5mg online cheap clopidogrel cheap

  26. Vuqkuj says:

    colchicine 0.5mg generic – colchicine brand order strattera 10mg

  27. Gbenkn says:

    cheap toradol 10mg – buy tizanidine generic order baclofen pills

  28. Peyahn says:

    sildenafil 50mg generic – cialis 5mg brand cheap cialis sale

  29. Fifxbc says:

    sildenafil 150mg ca – order cyclobenzaprine for sale buy cyclobenzaprine pill

  30. Ckmsrn says:

    ezetimibe 10mg for sale – order celexa 20mg online celexa 20mg canada

  31. Hivnll says:

    order atarax for sale – brand hydroxyzine 10mg buy crestor 20mg online cheap

  32. Kliadc says:

    order diltiazem generic – zyloprim generic buy zovirax

  33. Lviyau says:

    cialis coupon walmart – cialis usa cenforce tablet

  34. Ttszvw says:

    overnight delivery viagra – buy gabapentin for sale cost gabapentin 800mg

  35. Aomlhb says:

    order misoprostol 200mcg pills – buy synthroid generic buy synthroid 75mcg pill

  36. Kvgmhu says:

    buy clarinex 5mg generic – cheap aristocort buy generic aristocort

  37. Fmufes says:

    buy clomiphene online – buy clomiphene generic zyrtec pill

  38. Kipwcs says:

    order lyrica 75mg without prescription – lyrica online order pregabalin 75mg ca

Leave your Comment

Blue Taste Theme created by Jabox