美国房屋贷款经纪将面临生存危机


美消费者金融保护局(CFPB)今年一月下旬发布新规定,禁止房贷经纪让借款人承受房贷高利息以换取大笔补偿金。该局也不允许房贷经纪向借贷双边收取手续费。根据新规定,美房贷经纪若引导消费者承担高利息房贷或费用,必须 事前支付罚金。由于费用和条件苛刻,美房贷经纪将因此而面临极高的生存挑战。

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美新版过户费清单将有助于借款人了解还款明细

消费者金融保护局(Consumer Financial Protection Bureau)2013年1月发布住房抵押贷款新增修改条款,以提升申请房贷的透明度,包括为购房者提供诚意估价(good-faith estimate of costs)。拟定条款重心在于"房贷预估"(loan estimate)和"过户透明"(closing disclosure)两部分,要求银行简化欲购屋主关于每月房贷付款和杂费账单,避免隐藏收费。

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美国消费者金融保护局发布房贷新规

据CoreLogic(financial services and real estate professionals turn to for comprehensive data, analytics and services)调查数据显示,自2008年9月以来,近400万笔抵押房贷遭遇查封止赎。美国消费者金融保护局CFPB(Consumer Financial Protection Bureau)2013年1月10日发布新房贷规定,在不收紧信贷标准情况下提升房主的资产安全。

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房地美2月14日称:30年期固定贷款利率保持平稳,平均为3.53%

Mortgage rates held steady this week, Freddie Mac’s survey of lenders showed, with the 30-year fixed-rate loan at an average of 3.53% for the third week in a row – a great deal for those able to take advantage. The average rate for a 15-year fixed mortgage was 2.77%, the same as last week, the big mortgage finance company said Thursday.

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贷款找美国RBC Bank和TD Bank

Canadians dreaming of owning a winter home or vacation property in the sunshine state of Florida can now pick up properties at prices as much as 50% below what real estate was selling for in 2005. Add this to the fact that Canadians are able to secure great financing here in Florida and you will soon realize that NOW IS THE TIME TO BUY!

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Mortgage rates on rise, Freddie Mac says; 30-year fixed at 3.42%

贷款利率上升,30年固定利率3.42%, 联邦住屋房贷抵押公司房地美称

洛杉矶时报(Los Angeles Times, E. Scott Reckard)据房地美称,美国年期房贷从一周前的3.38%提高到平均3.42%,15年期固定利率抵押贷款,再融资,为2.71%, 已高于之前的2.66%。

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