嗬嗬，利息調整後680的利息還是比780的高

這個宣傳已經在壇子裏沒貼了三次了，每次都已經討論的好清楚，建寧還特意把以前的博客貼出來，再用這種標題黨貼確實是BS了。https://bbs.wenxuecity.com/tzlc/1702766.html

From the article 越王引的

 

New Rule: The Better Your Credit Score the Higher Your Mortgage Rate

Please consider New Rule: The Better Your Credit Score the Higher Your Mortgage Rate

Under the new rules, high-credit buyers with scores ranging from 680 to above 780 will see a spike in their mortgage costs – with applicants who place 15% to 20% down payment experiencing the biggest increase in fees.

This is a misleading lie.  

Credit >740   0.25% to > 780   0.375%,    an increase of 0.125%.  

Credt < 639   3.25% to < 639 2.875%   an decrease of 0.375% 

The correct headline should be:  

The Better Your Credit Score the Higher Your Mortgage Rate Adjustment

Mortgage rate is like the speed, the adjustment is the acceleration.  Having higher acceleration doesn't mean having higher speed.   This is why the headline lies.