在固定抵押贷款费用高的情况下,购房者以较低的初始利率求助于ARMs。 Homebuyers are turning to ARMs for lower initial rates amid high fixed mortgage costs.

美国各地的购房者越来越多地选择可调整利率的抵押贷款(ARMs),10月申请率上升到10%,是2023年以来最高的,因为房价飙升,固定利率上升,使可负担性成为一项挑战。 Homebuyers across the U.S. are increasingly choosing adjustable-rate mortgages (ARMs), with applications rising to 10% in October—the highest since 2023—as soaring home prices and elevated fixed rates make affordability a challenge. ARMs提供的初始利率较低,5年和7年期选项约为5.46%,而30年固定贷款为6.15%,吸引了希望在利率重订之前再融资的买主。 ARMs offer lower initial rates—around 5.46% for five- and seven-year options—compared to 6.15% for 30-year fixed loans, attracting buyers hoping to refinance before rates reset. 虽然ARM有风险,包括如果利率上升,支付额会增加,但更严格的贷款标准和利率上限使今天的贷款比过去更安全。 While ARMs carry risks, including higher payments if rates rise, tighter lending standards and rate caps make today’s loans safer than in the past. 尽管最近美联储削减了利率,但按揭利率仍然很高,30年固定利率平均为6.19%,再融资利率为6.36%,促使一些房主为储蓄或股本再融资。 Despite recent Federal Reserve rate cuts, mortgage rates remain high, with 30-year fixed rates averaging 6.19% and refinance rates at 6.36%, prompting some homeowners to refinance for savings or equity access. ARM被视为对短期房主或投资者具有战略意义,但批准取决于强有力的信贷和金融稳定。 ARMs are seen as strategic for short-term homeowners or investors, but approval depends on strong credit and financial stability.