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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