相邻银行报告:除非利率至少下降0.75%,否则2025年大部分购房者将无法从再融资中受益。 Neighbors Bank report: Refinancing won't benefit most 2025 homebuyers unless rates drop by at least 0.75%.

邻居银行的一份新报告显示,2025年大部分购房者不会因为再融资而分崩离析,除非按揭利率至少下降0.75个百分点。 A new report by Neighbors Bank shows that most 2025 homebuyers won't break even on refinancing unless mortgage rates fall by at least 0.75 percentage points. 当前平均30年固定抵押利率约为6.543 %,比前几天略有下降。 Current average 30-year fixed mortgage rates are around 6.543%, a slight decrease from previous days. 贷款期限较短和有传统抵押贷款的借款人从再融资中获得更快的储蓄,特别是在加利福尼亚和华盛顿特区等高成本市场。 Borrowers with shorter loan terms and conventional mortgages see quicker savings from refinancing, especially in high-cost markets like California and Washington D.C. 重新融资可以降低月付款或提供贷款稳定性,但关闭成本和延长贷款期可以抵消收益。 Refinancing can lower monthly payments or provide loan stability, but closing costs and extended loan terms can offset benefits.