SUMMARY：今天（3月3日星期二），美聯儲給大家送上大禮包——緊急降息0.5%！但美聯儲降息，是否就意味著房貸利率也會應聲回落呢？。。。
我換個角度來問這個問題：如果歐佩克（鏈接）通過增產決議，來打壓原油價格使其下跌，那我們在加油站看到的油價，是不是也會跟著下跌呢？答案是不一定。因為我們在加油站看到的油價，除了受原油價格的影響，還受製於各煉油廠的產能和營銷戰略，以及當地市場的供求情況等等因素的影響。各地的汽油價格不同，如德州的要比加州的低很多，Shell、Chevron、Arco等加油站之間的價格，也會因各自的產能和市場戰略而互不相同。如果因為病毒傳染的恐慌，引發消費者蜂擁至各個加油站去囤積汽油，那麽盡管原油價格在下跌，消費者能加到的汽油價格，卻是有可能不降反升的哦。
現在回來說房貸利率。美聯儲降息，實際上是通過親自參與債券市場的操作，來降低美聯儲預定的目標利率（target rate）；而這個所謂的目標利率，則是其它各種重要利率，如銀行放貸給自己最優質的公司客戶的利率，房貸利率等等，的基礎。如果你把美聯儲看作是歐佩克，美聯儲降的那個息（即目標利率）看作是原油價格，各家lender看作是那些石油精煉廠，那房貸利率就是在加油站我們這些消費者能拿到的汽油零售價。很多時候比如說現在，當煉油廠（lender）因為受產能限製，無法應對蜂擁而來的恐慌性搶購，就會決定暫時提高在自己加油站（loan agent）的汽油零售價（mortgage rate），這樣做，一來可以控製汽油銷售量爆棚無法交貨，二來可以補償自己員工加班加點生產所產生的額外費用。
總之，美聯儲降息，房貸利率基本上是會跟著下跌；但如果因美聯儲降息過猛，造成過量的refinance需求，那麽房貸利率的下跌幅度，則有可能沒有美聯儲降息的幅度那麽大。歸根到底，房貸利率是由供需雙方的市場關係來決定的。
目前重新貸款50萬的利率，30年仍保持在近8年的最低點3.25%，15年仍保持在2.875%；購房貸款50萬左右，30年固定的利率為3.125%，15年仍為2.75%。
順便提醒一下：如果想鎖定一個理想的利率，你首先應盡快選定一家貸款公司開始遞交房貸申請，著手準備材料，然後等到利率滿意的時候下手鎖定利率。現在重新貸款的人很多，各家貸款公司都在滿負荷運轉；同時現在利率變好通常維持的時間很短，如果你等到利率變好的當天再下手開始申請，很有可能會貽誤時機。
奇虎貸款利率查詢電話：888-800-4151 或 949-529-0113。電郵：apply@tigerloans.com。官網網址：www.tigerloans.com
******************************* CALIFORNIA *******************************
(Based on Conforming Loan $484K, High-Balance Loan $650K, Jumbo Loan $1M. See other assumptions at the bottom of the post) |
| |
| PRIMARY RESIDENCE - REGULAR REFINANCE: |
| |
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
|
| 3.250 |
2.875 |
3.250 |
2.750 |
2.750 |
2.875 |
| >$484K |
3.375 |
3.000 |
------ |
------ |
3.125 |
------ |
| Jumbo |
3.750 |
3.625 |
------ |
------ |
3.750 |
------ |
| |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| |
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
|
| 3.375 |
2.875 |
3.250 |
2.875 |
3.000 |
3.125 |
| >$484K |
3.750 |
3.250 |
------ |
------ |
------ |
------ |
| |
| PRIMARY RESIDENCE - PURCHASE: |
| |
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
|
| 3.125 |
2.750 |
3.125 |
2.750 |
2.750 |
2.875 |
| APR |
3.154 |
2.766 |
3.137 |
2.747 |
2.749 |
2.874 |
| |
| >$484K |
3.250 |
2.875 |
------ |
------ |
3.000 |
------ |
| APR |
3.282 |
2.915 |
------ |
------ |
3.022 |
------ |
| |
| Jumbo |
3.750 |
3.500 |
------ |
------ |
3.875 |
3.875 |
| APR |
3.726 |
3.530 |
------ |
------ |
3.892 |
3.912 |
| |
| INVESTMENT PROPERTY - PURCHASE: |
| |
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
|
| 3.500 |
3.125 |
3.375 |
3.125 |
------ |
------ |
| APR |
3.539 |
3.177 |
3.444 |
3.175 |
------ |
------ |
| |
******************************* MARYLAND *******************************
(Based on Conforming Loan $484K, High-Balance Loan $650K. See other assumptions at the bottom of the post) |
| |
| PRIMARY RESIDENCE - REGULAR REFINANCE: |
| |
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
|
| 3.250 |
2.875 |
3.250 |
2.750 |
2.750 |
2.875 |
| >$484K |
3.375 |
3.500 |
------ |
------ |
3.625 |
------ |
| |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| |
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
|
| 3.375 |
2.875 |
3.250 |
2.875 |
3.000 |
3.125 |
| >$484K |
3.625 |
3.750 |
------ |
------ |
------ |
------ |
| |
| PRIMARY RESIDENCE - PURCHASE: |
| |
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
|
| 3.125 |
2.750 |
3.125 |
2.750 |
2.750 |
2.875 |
| APR |
3.137 |
2.736 |
3.114 |
2.704 |
2.723 |
2.848 |
| |
| >$484K |
3.750 |
3.500 |
------ |
------ |
3.875 |
3.875 |
| APR |
3.705 |
3.492 |
------ |
------ |
3.870 |
3.891 |
| |
| INVESTMENT PROPERTY - PURCHASE: |
| |
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
|
| 3.500 |
3.125 |
3.500 |
3.125 |
------ |
------ |
| APR |
3.523 |
3.147 |
3.503 |
3.131 |
------ |
------ |
| |
******************************* VIRGINIA *******************************
(Based on Conforming Loan $484K, High-Balance Loan $650K. See other assumptions at the bottom of the post) |
| |
| PRIMARY RESIDENCE - REGULAR REFINANCE: |
| |
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
|
| 3.250 |
2.875 |
3.250 |
2.875 |
2.875 |
3.000 |
| >$484K |
3.500 |
3.500 |
------ |
------ |
------ |
------ |
| |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| |
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
|
| 3.375 |
3.000 |
3.375 |
3.000 |
------ |
------ |
| >$484K |
3.875 |
3.875 |
------ |
------ |
------ |
------ |
| |
| PRIMARY RESIDENCE - PURCHASE: |
| |
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
|
| 3.125 |
2.750 |
3.125 |
2.750 |
2.750 |
2.875 |
| APR |
3.130 |
2.742 |
3.119 |
2.712 |
2.726 |
2.851 |
| |
| >$484K |
3.750 |
3.500 |
------ |
------ |
3.875 |
3.875 |
| APR |
3.707 |
3.496 |
------ |
------ |
3.873 |
3.893 |
| |
| INVESTMENT PROPERTY - PURCHASE: |
| |
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
|
| 3.500 |
3.125 |
3.500 |
3.125 |
------ |
------ |
| APR |
3.516 |
3.153 |
3.508 |
3.139 |
------ |
------ |
| |
******************************* TEXAS *******************************
(Based on Conforming Loan $200K, Jumbo Loan $500K. See other assumptions at the bottom of the post) |
| |
| PRIMARY RESIDENCE - REGULAR REFINANCE: |
| |
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
|
| 3.375 |
3.000 |
3.250 |
2.875 |
------ |
------ |
| >$484K |
3.625 |
3.500 |
------ |
------ |
------ |
------ |
| |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| |
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
|
| 3.625 |
3.500 |
3.625 |
3.750 |
------ |
------ |
| >$484K |
3.875 |
3.750 |
------ |
------ |
------ |
------ |
| |
| PRIMARY RESIDENCE - PURCHASE: |
| |
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
|
| 3.125 |
2.750 |
3.000 |
2.750 |
2.750 |
2.875 |
| APR |
3.140 |
2.759 |
3.076 |
2.736 |
2.755 |
2.880 |
| |
| >$484K |
4.125 |
3.875 |
------ |
------ |
3.875 |
4.250 |
| APR |
4.145 |
3.846 |
------ |
------ |
3.890 |
4.260 |
| |
| INVESTMENT PROPERTY - PURCHASE: |
| |
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
|
| 3.375 |
3.125 |
3.375 |
3.000 |
------ |
------ |
| APR |
3.430 |
3.170 |
3.438 |
3.144 |
------ |
------ |
| |
******************************* ILLINOIS *******************************
(Based on Conforming Loan $484K, Jumbo Loan $562K. See other assumptions at the bottom of the post) |
| |
| PRIMARY RESIDENCE - REGULAR REFINANCE: |
| |
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
|
| 3.250 |
2.750 |
3.125 |
2.750 |
2.750 |
2.875 |
| >$484K |
3.625 |
3.500 |
------ |
------ |
------ |
------ |
| |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| |
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
|
| ------ |
------ |
------ |
------ |
------ |
------ |
| >$484K |
------ |
------ |
------ |
------ |
------ |
------ |
| |
| PRIMARY RESIDENCE - PURCHASE: |
| |
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
|
| 3.125 |
2.750 |
3.125 |
2.750 |
2.750 |
2.875 |
| APR |
3.123 |
2.728 |
3.108 |
2.692 |
2.719 |
2.844 |
| |
| >$484K |
3.750 |
3.500 |
------ |
------ |
3.875 |
4.000 |
| APR |
3.712 |
3.505 |
------ |
------ |
3.878 |
3.992 |
| |
| INVESTMENT PROPERTY - PURCHASE: |
| |
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
|
| 3.500 |
3.125 |
3.500 |
3.125 |
------ |
------ |
| APR |
3.508 |
3.139 |
3.497 |
3.119 |
------ |
------ |
| |
******************************* FLORIDA *******************************
(Based on Conforming Loan $200K, Jumbo Loan $500K for FL Keywest Area only. See other assumptions at the bottom of the post) |
| |
| PRIMARY RESIDENCE - REGULAR REFINANCE: |
| |
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
|
| 3.375 |
3.125 |
3.375 |
3.000 |
------ |
------ |
| >$484K |
3.750 |
3.625 |
------ |
------ |
------ |
------ |
| |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| |
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
|
| 3.625 |
3.250 |
3.625 |
3.250 |
------ |
------ |
| >$484K |
4.000 |
------ |
------ |
------ |
------ |
------ |
| |
| PRIMARY RESIDENCE - PURCHASE: |
| |
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
|
| 3.125 |
2.750 |
3.125 |
2.750 |
2.750 |
2.875 |
| APR |
3.148 |
2.774 |
3.144 |
2.759 |
2.753 |
2.878 |
| |
| >$484K |
4.125 |
3.875 |
------ |
------ |
3.875 |
4.250 |
| APR |
4.148 |
3.851 |
------ |
------ |
3.893 |
4.263 |
| |
| INVESTMENT PROPERTY - PURCHASE: |
| |
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
|
| 3.625 |
3.125 |
3.375 |
3.125 |
------ |
------ |
| APR |
3.634 |
3.185 |
3.450 |
3.186 |
------ |
------ |
| |
******************************* GEORGIA *******************************
(Based on Conforming Loan $200K, Jumbo Loan $500K. See other assumptions at the bottom of the post) |
| |
| PRIMARY RESIDENCE - REGULAR REFINANCE: |
| |
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
|
| 3.375 |
3.000 |
3.375 |
3.000 |
------ |
------ |
| >$484K |
3.625 |
3.500 |
------ |
------ |
------ |
------ |
| |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| |
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
|
| 3.500 |
3.125 |
3.500 |
3.125 |
------ |
------ |
| >$484K |
4.000 |
3.750 |
------ |
------ |
------ |
------ |
| |
| PRIMARY RESIDENCE - PURCHASE: |
| |
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
|
| 3.125 |
2.750 |
3.125 |
2.750 |
2.750 |
2.875 |
| APR |
3.162 |
2.799 |
3.163 |
2.795 |
2.767 |
2.892 |
| |
| >$484K |
3.750 |
3.500 |
------ |
------ |
3.875 |
3.875 |
| APR |
3.716 |
3.513 |
------ |
------ |
3.882 |
3.903 |
| |
| INVESTMENT PROPERTY - PURCHASE: |
| |
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
|
| 3.625 |
3.125 |
3.375 |
3.125 |
------ |
------ |
| APR |
3.648 |
3.211 |
3.470 |
3.223 |
------ |
------ |
| |
******************************* WASHINGTON *******************************
(Based on Conforming Loan $484K, High-Balance Loan $650K, Jumbo Loan $1M. See other assumptions at the bottom of the post) |
| |
| PRIMARY RESIDENCE - REGULAR REFINANCE: |
| |
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
|
| 3.250 |
2.875 |
3.250 |
2.750 |
2.750 |
2.875 |
| >$484K |
3.375 |
3.250 |
------ |
------ |
3.625 |
------ |
| Jumbo |
3.750 |
3.625 |
------ |
------ |
3.625 |
------ |
| |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| |
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
|
| 3.375 |
2.875 |
3.250 |
2.875 |
3.000 |
3.125 |
| >$484K |
3.750 |
3.625 |
------ |
------ |
3.750 |
------ |
| |
| PRIMARY RESIDENCE - PURCHASE: |
| |
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
|
| 3.125 |
2.750 |
3.125 |
2.750 |
2.750 |
2.875 |
| APR |
3.137 |
2.736 |
3.114 |
2.703 |
2.723 |
2.848 |
| |
| >$484K |
3.750 |
3.500 |
------ |
------ |
3.875 |
3.875 |
| APR |
3.704 |
3.491 |
------ |
------ |
3.870 |
3.891 |
| |
| Jumbo |
3.750 |
3.500 |
------ |
------ |
3.875 |
3.875 |
| APR |
3.699 |
3.482 |
------ |
------ |
3.865 |
3.885 |
| |
| INVESTMENT PROPERTY - PURCHASE: |
| |
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
|
| 3.625 |
3.125 |
3.500 |
3.125 |
------ |
------ |
| APR |
3.682 |
3.147 |
3.503 |
3.130 |
------ |
------ |
|
Please note that the rates are subject to mid-day changes. This is especially true when stock and bond markets move radically during the day.
Rates above are based on the following assumptions:
1. Loan Amount: See detailed loan amounts under the State name above;
2. Loan-To-Value (LTV):
-
-
-
-
-
-
3. Primary Residence (except specified);
4. Single Family Residence;
5. Credit score>=740;
6. With Impound/Escrow Account;
7. 30-day lock;
8. US Citizen or Permanent Resident. H1B, L1, F1 OPT.
For Refinance, rates are based on No Point No Fee. So APR for Refinance = Refinance Rate.
For scenarios outside the above assumptions, please contact local loan officers for case inquiry.
注：以上凡是沒有表明利率的loan program，意味著該program做不了no point的貸款，需要收point才能做。
奇虎貸款NMLS ID: 1169300 |
