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。
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