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抵押利率锁:完整指南

标签: 利率首次购房者常见问题
抵押利率锁:完整指南
文章摘录

This guide covers fees, extensions, and lots of FAQ’s about 抵押贷款利率锁s.

什么是抵押贷款利率锁定?

A 抵押贷款利率锁 is an agreement between a borrower and a lender that allows the borrower to keep a certain interest rate on a mortgage for a specified time period. 您锁定的速率在此期间不会增加.

利率每日波动. 所以当你锁定, you’ll be able to estimate your monthly payment with close accuracy and protect yourself from changes in the market.

锁定利率对贷方来说是一种风险,因为如果利率上升, 他们一定还在尊重你锁着的那个人.

抵押贷款利率能锁定多久?

Borrowers usually choose a lock period between 15 and 90 days (although with some lenders you can lock your rate for a longer period of time, 比如新结构). 贷方允许您选择锁定15天增量的期限. 这被称为利率锁定期.

大多数银行会免费锁定30天的利率. Longer locks may incur an extended lock fee because they require your lender to use more time and resources in protecting your rate.

Your rate is ready to be locked after you get pre-approved for a mortgage and reach an agreement to purchase your new home. This allows the lender to get to work on closing your loan before the rate lock period expires.

看看你今天有什么资格.

开始

延长新建筑的抵押锁

When you want to lock a rate for a new construction set to be built months from now, 15天的锁不会让你对预期的每月还款感到安心. 这就是为什么一些贷款机构为新建筑提供180天的锁定计划.

Making the decision to go with a longer lock period is about weighing two things against each other:

未来利率上升的风险

vs.

额外的费用你将支付一个更长的锁

Talk to your lender about what whether or not you should purchase an extended lock for a new construction. Your mortgage adviser will consult with you to provide the best advice and options to protect you throughout the process.

两种抵押锁费用

抵押锁的费用完全取决于你的贷款人. It’s a smart idea to ask your lender about each of the following potential fees before you lock.

初始费率锁定费

一些贷款机构选择附加一项单独的锁定费用. Others account for the initial lock fee by integrating it into your interest rate. 请确保您知道是否会为初始锁收费以及如何收费.

Here’s an example breakdown of what you may expect in terms of fees for mortgage locks:

锁(天)

费用(贷款价值的%)

每10万美元的借款成本

15

-0.03%

$(30)

30

0.09%

$90

45

0.14%

$140

60

0.27%

$270

利率锁定延期费

What if you face a hiccup with your seller or new construction and your lock expires before closing?

好消息是: When you extend your lock, you typically get to keep the old rate you locked with.

坏消息: You’ll be hit with a rate lock extension fee which usually costs a few hundred dollars, 这取决于你需要延长多长时间. 确切的成本将是你贷款价值的一个百分比. 这个百分比是特定于贷款方的.

If you need to extend your initial lock past the original expiration date, there are fees. 这里有一个例子,可以说明如何在扩展中构建费用:

扩展(天)

费用(贷款金额的%)

5

.06%

10

.125

15

.185%

20

.25%

30

.375%

锁的延期费用可以由贷款人选择的任何方式来安排. 延期费会因应现时的市场情况而有所调整. Ask your mortgage adviser for specific details on their lock extension options.

在锁定利率后,你能改变贷款人吗?

是的,即使锁定了一个利率,你也可以改变贷款人. 这是合法的,不需要特定的费用或罚款.

有时,借款人在交易过程中选择转换贷款方. 虽然这对你来说并不理想, it may be necessary if your mortgage adviser is unresponsive or slow and if they lose paperwork or can’t close on time.

更换贷款人需要多少成本?

There isn’t a specific fee for switching lenders or not finishing your purchase. 但在切换, think about what you’ve already invested with your current lender and in your current loan.

你交申请费了吗? 你付了房子的估价钱了吗? 这些东西不退换. 你可能需要再次与你的新贷方进行核对. 由于这些原因, it may be best to try to work through your rate with your current lender rather than jumping to a new one.

If you’re changing for better rates, be sure to ask all about the new lender’s fees. Low rates don’t guarantee the best overall price when you factor in fees and closing costs. Increasingly, some companies are adding buy down fees to get you that attractive low rate.

»阅读更多: 在转换贷款机构之前需要了解的5项重要费用

如果利率下降后,你锁定?

如果利率下降,你还会坚持原来的利率吗? 不总是. Some lenders allow you to take advantage of lower rates during your lock period. 这被称为浮动向下选项.

拥有一个向下浮动选项的成本确实比没有的锁要高. Float down options start with a slightly higher rate to anticipate the possibility of a decrease later.

是否应该让锁过期以获得更低的费率?

Let’s say you choose to save some money upfront by not choosing a float down rate option.

然后利率就下降了. 为什么不让您的锁过期,然后以较低的速率再次锁定呢?

When you agree to a purchase contract, there’s a closing date that must be met. 如果你允许利率锁定失效,希望得到更低的利率, 你将被禁止在那处房产上再锁上60天. This delay will likely put you in breach of the contract and may mean you lose the home.

When borrowers delay a purchase on purpose, the home seller may decide to go with another buyer.

简而言之,让锁过期并不是一个好主意. If you’re concerned about rates or timelines, speak with your mortgage adviser.

抵押贷款利率锁

如果你在重新融资,等待你的锁定到期 似乎 是一个聪明的想法. 在再融资期间,你不像购买一样有严格的截止时间. 但是允许锁过期确实会产生一些后果.

当借方允许锁到期时,借方就输了. 当贷方损失时,他们必须设法弥补损失. 这就是为什么一些贷款机构对锁收取不可退还的费用. 这使得买房对每个人来说都更加昂贵.

何时锁定抵押贷款利率

Here’s the simple answer: if you’re comfortable with the monthly payment estimate your lender gives you with a particular rate, 你应该去锁定. This isn’t a sales tactic; it’s just the smartest move to make.

Rates fluctuate daily according to economic factors that no one can predict with absolute accuracy. 确切地知道何时锁定抵押贷款利率是不可能的.

如果有新闻价值的经济事件临近, an experienced loan officer may advise you to hold off on locking for a little while in the hopes rates will fall. 或者他们可能会提出相反的建议. That’s why it’s key that you select a lender who has your best interest in mind.