Adjustable Home Mortgage Loan: Why You May Want to Reconsider可调整按揭:为什么你想重新

A couple of years ago, an adjustable home mortgage loan was the way to go if you were buying a home whether you wanted to live in it or whether you wanted to flip it and make some cool cash in a hurry.几年前,可调按揭贷款,如果你的路要走不论你想要买回家它生活在你想要翻盖或者它使一些急于套现凉. However, over the course of the past few months, interest rates have been on the rise, making that adjustable home mortgage loan seem like not such a good idea.但是,在过去几个月中,利率不断上升,可调按揭贷款,使好像没有这样一个好主意. What was once only costing you a few bucks a month in interest has quickly grown to a rate that is much higher than what you may have thought it would ever reach.曾经一度只有你一个耗资数蚊一个月利息率已快速成长比你可能以为会不断达成.

So, if you are stuck with your current adjustable home mortgage loan, what are you going to do?因此,如果你背负着你的这次可调整按揭贷款的话,你会怎么办? From the looks of it, the interest rates we are paying may not be going down anytime soon, and perhaps the only way they will go is up.从面貌上看,我们付出的利息不得下井全天很快也许只有这样他们到了. Well, have you considered scrapping your current adjustable home mortgage loan and instead paying for your home with a fixed rate home mortgage loan instead?那么你认为你杀可调按揭贷款,而目前对你家付出了固定汇率住房抵押贷款呢? With a fixed rate home mortgage loan, you never have to worry about your interest rates going up because the rate is fixed at whatever percentage you purchased your home at – giving you peace of mind that you will always be able to pay your bills no matter what the forces driving the economy decide to do.以固定利率按揭贷款你根本不用担心,因为你利率涨率为固定资产占你什么您买回家-给你放心,你随时都可以支付你的票据不论什么力量驱动的经济决定做.

Now, a fixed rate home mortgage loan may have that major benefit over an adjustable home mortgage loan, but there is one drawback as well.现在,住房抵押贷款固定利率可能有重大利多,可调整按揭贷款但有一个缺点等. Generally, a fixed rate loan is a bit higher than an adjustable rate loan.一般而言,固定利率贷款利率略高于可调整贷款. After all, banks have to make money too, and if the interest rates go up too much, they will find that they will actually be losing money on your home loan.毕竟,银行要赚钱太,如果利率上升过多、他们会发现他们其实是对你家亏损贷款. This is not to say that a fixed rate loan will be astronomically higher than an adjustable home mortgage loan, just a percentage point or two more.这并不是说,固定利率贷款将高于天文可调按揭贷款短短两个多百分点. But in the end, if interest rates keep climbing, you will save a lot more in the long term with a fixed rate loan.但最后,如果利率不断攀升,您更可以节约大量的长期固定利率贷款.