If you secured a 30-year fixed mortgage on a $600,000 home at a 2.6% interest rate in 2021, you have the same monthly mortgage payment as someone that just bought a $392,000 home at today’s 6.2% interest rate.
If you secured a 30-year fixed mortgage on a $600,000 home at a 2.6% interest rate in 2021, you have the same monthly mortgage payment as someone that just bought a $392,000 home at today’s 6.2% interest rate. zerohedgeNY 发表于 2022-09-21 21:36
区别是，if the interest rate goes down 5 years later, the person with a $390k loan can refinance, but not you with a $600k loan and a house with market price of $400k
区别是，if the interest rate goes down 5 years later, the person with a $390k loan can refinance, but not you with a $600k loan and a house with market price of $400k Oxfama 发表于 2022-09-22 14:07
what do you mean? A house worth 600K last year can be bought now at 390K? Chances are they are still at 600k or 590k now, and those who will buy them at 590k now won’t be able to refinance in 5 years when the rates go down
应该是家里现金存保险箱的人
如果股市债市里的资金缩水20%-30%, 相应能买的豪宅心理价也要跟着缩水。
但是有可能疫情期间投资股票赢麻了，去年11月高点全部换成cash, 然后存保险箱等着2022，2023年抄底，就不受这个大环境影响了。
理论上存在这种可能性。
有这种眼光的更不可能今年半山腰接盘了
这agent怕不是想赚钱想疯了吧
没缩吗
现在房价可不是前几年的房价喽～
今年初清空股票只留401k小部分，目前401K小亏。
1-2月份外州几个涨幅惊人投资房逃顶1031exchange换成老钱区学区房。
目前完全没受股市影响，现在手上不少cash等着适当时候买房买股票。
不是这么算的。现在6.5%的房贷利率包含了对未来加息的预期；除非通胀形势接着恶化。
区别是，if the interest rate goes down 5 years later, the person with a $390k loan can refinance, but not you with a $600k loan and a house with market price of $400k
你太牛了
真的，我一把cash还在等。利率当然有影响。牛河梁第一定律，房贷利率最高的时候买房。上一次我等了10年。这一次等了10多年。不急，等得起。
现在 跌的就是豪宅， 老钱区学区房价钱贵， 该跌还是跌。
what do you mean? A house worth 600K last year can be bought now at 390K? Chances are they are still at 600k or 590k now, and those who will buy them at 590k now won’t be able to refinance in 5 years when the rates go down