一项新的2026年联邦规则要求更明确地披露按揭情况,以帮助借款人理解贷款成本和条件。 A new 2026 federal rule mandates clearer mortgage disclosures to help borrowers understand loan costs and terms.

2026年1月生效的一项新的联邦规则要求放款人向借款人提供更明确、标准化的按揭披露,目的是减少混乱并防止在家庭贷款中出现昂贵的错误。 A new federal rule taking effect in January 2026 requires lenders to provide clearer, standardized mortgage disclosures to borrowers, aiming to reduce confusion and prevent costly errors during home loans. 更新的“先知后知”准则要求提供关于贷款条件、收费和长期成本的事先详细信息,帮助消费者比较报价和作出知情决定。 The updated "Know Before You Owe" guidelines mandate detailed upfront information on loan terms, fees, and long-term costs, helping consumers compare offers and make informed decisions. 监管者说,改革的目的是提高透明度和保护借款人,特别是在高利率环境中,在这种环境中,贷款负担能力日益受到关注。 Regulators say the change is designed to increase transparency and protect borrowers, especially in a high-interest-rate environment where loan affordability is a growing concern.