Mortgage Interest Rates Just Went Up… Should I Wait to Buy?

Mortgage interest rates, as reported by Freddie Mac, have increased over the last several weeks. Along with Freddie MacFannie Mae, the Mortgage Bankers Association and the National Association of Realtors are all calling for mortgage rates to continue to rise over the next four quarters.

Freddie Mac的報導指出房貸利率在過去幾周持續增漲,Freddie Mac、Fannie Mae、房貸銀行家協會和全國房地產經紀人協會皆呼籲,房貸利率會在未來四個季度繼續上漲。

This has caused some purchasers to lament the fact they may no longer be able to get a rate less than 4%. However, we must realize that current rates are still at historic lows.

使得一些購屋者感到遺憾的是,他們可能不再能夠獲得低於4%的利率,但是我們必須認知到的是,目前的利率仍然處於歷史低點。

Here is a chart showing the average mortgage interest rate over the last several decades.

以下為顯示了過去幾十年的平均利率圖表。

rates-by-decade-stm-1024x768

Bottom Line
結論

Though you may have missed getting the lowest mortgage rate ever offered, you can still get a better interest rate than your older brother or sister did ten years ago; a lower rate than your parents did twenty years ago and a better rate than your grandparents did forty years ago.

雖然您可能錯過了最低的房屋貸款利率,但您仍然可以得到比您哥哥或姐姐十年前更好的利率,比您父母親二十年前更低的利率,也比您的祖父母四十年前更優惠的利率。

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