据Zillow报道,在2023年,49%的美国购房者购买了抵押贷款点,高于2019年的27%. 49% of US homebuyers bought mortgage points in 2023, up from 27% in 2019, reports Zillow.

2023年,近一半的美国购房者(49%)选择购买按揭点——支付预付费以降低利率——据Zillow称,2019年的利率为27%,而2019年的利率为27%。 In 2023, nearly half of U.S. homebuyers (49%) are opting to buy mortgage points—paying an upfront fee to reduce their interest rates—up from 27% in 2019, according to Zillow. 这项战略通常花费贷款额的1%降低0.25%的利率,在抵押贷款利率上升的情况下,这一战略越来越受欢迎。 This strategy, typically costing 1% of the loan amount for a 0.25% rate reduction, has gained popularity amid rising mortgage rates. 然而,在购买点或支付较大订金之间作出选择,取决于个别的财政状况和市场条件。 However, the choice between buying points or making a larger down payment depends on individual financial situations and market conditions. 建议为抵押贷款经纪人提供咨询。 Consulting a mortgage broker is recommended.