PMI利率下降到0.4%,缓解了购房者的金融压力,而首期付款数额较小。 PMI rates drop to 0.4%, easing financial strain for homebuyers with smaller down payments.

私人抵押贷款保险(PMI)利率已降至贷款额的0.4%左右,使购房者的经济负担更小,因为购房者将不到20%的房款投放在家中。 Private mortgage insurance (PMI) rates have dropped to about 0.4% of the loan amount, making it less of a financial burden for homebuyers who put down less than 20% on a home. PMI保护贷款人,而不是借款人,它是一种临时开支,当抵押贷款余额达到住房原始价值的78%或贷款期过半(以先到者为准)时,贷款人必须予以取消。 PMI protects the lender, not the borrower, and is a temporary expense that lenders must cancel when the mortgage balance reaches 78% of the home's original value or halfway through the loan term, whichever comes first. 由于房价创历史新高,PMI对于许多为节省20%首期付款而苦苦挣扎的买主来说,已经成为一个更具吸引力的选择。 With home prices at record highs, PMI has become a more attractive option for many buyers who struggle to save for a 20% down payment.