{"id":739,"date":"2024-03-31T16:00:57","date_gmt":"2024-03-31T08:00:57","guid":{"rendered":"https:\/\/henrysfinancialnotes.com\/?p=739"},"modified":"2024-07-20T10:05:37","modified_gmt":"2024-07-20T02:05:37","slug":"how-does-the-interest-rate-hike-affect-your-mortgage-rate","status":"publish","type":"post","link":"https:\/\/henrysfinancialnotes.com\/en\/how-does-the-interest-rate-hike-affect-your-mortgage-rate\/","title":{"rendered":"2024\u518d\u5347\u606f\u534a\u78bc! \u4f60\u77e5\u9053\u592e\u884c\u5347\u964d\u606f\u5982\u4f55\u5f71\u97ff\u623f\u8cb8\u5229\u7387\u55ce\uff1f\u53c8\u8a72\u600e\u9ebc\u61c9\u5c0d\u5462?"},"content":{"rendered":"

2024\u5e74\u521d\uff0c\u54c8\u5229\u5728\u9280\u884c\u623f\u8cb8\u90e8\u9580\u4efb\u8077\u6eff2\u5e74\uff0c\u904e\u7a0b\u4e2d\u770b\u8457\u623f\u8cb8\u5229\u7387\u5f9e2022\u5e74\u7684\u6700\u4f4e\u7d041.31%<\/strong>\uff0c\u4e0a\u6f320.75%\u4f86\u5230\u76ee\u524d\u76842.06%<\/strong>\uff0c\u770b\u4f3c\u4e0d\u52301%\u7684\u5fae\u5e45\u6539\u8b8a\u537b\u4ee3\u8868\u845750%\u5229\u7387\u6f32\u5e45\uff0c\u76f8\u7576\u65bc1000\u842c\u5143\u623f\u8cb8\u6bcf\u6708\u591a\u7e736000\u5143\u5229\u606f<\/strong>(\u4e5f\u5728\u6bcf\u6b21\u5347\u606f\u6d88\u606f\u51fa\u4f86\u5f8c\u63a5\u5ba2\u6236\u63d0\u524d\u9084\u6b3e\u96fb\u8a71\u63a5\u5230\u624b\u8edf..)\uff0c\u6b63\u7576\u5927\u5bb6\u4ee5\u70ba\u53f0\u7063\u7684\u5229\u7387\u6703\u96a8\u8457\u5168\u7403\u6700\u5927\u592e\u884c – \u7f8e\u570b\u806f\u6e96\u6703\u9810\u8a08\u5728\u4eca\u5e74\u5c07\u5229\u7387\u5f9e5.5%\u4e0b\u8abf\u52304.75%\u800c\u8abf\u964d\u6642(\u901a\u5e38\u53f0\u7f8e\u592e\u884c\u5347\u964d\u606f\u7684\u52d5\u4f5c\u6703\u4e00\u81f4)\uff0c2024\/03\/21\u592e\u884c\u6703\u5f8c\u65b0\u805e\u7a3f\u767c\u51fa\u9707\u64bc\u5f48 – \u7e7c\u7e8c\u5347\u606f\u534a\u78bc!<\/strong> \u90a3\u9019\u53c8\u5c07\u5982\u4f55\u5f71\u97ff\u5927\u5bb6\u7684\u8cb8\u6b3e\u5229\u7387\u5462?<\/p>\n\n\n\n

\u623f\u8cb8\u5229\u7387\u662f\u600e\u9ebc\u8a02\u5b9a\u7684?<\/h2>\n\n\n\n

\u8981\u77e5\u9053\u592e\u884c\u5347\u606f\u5982\u4f55\u5f71\u97ff\u8cb8\u6b3e\u5229\u7387\uff0c\u5f97\u5148\u77ad\u89e3\u623f\u8cb8\u5229\u7387\u57fa\u672c\u4e0a\u53ef\u4ee5\u62c6\u5206\u6210 \u6307\u6a19\u5229\u7387<\/a> & \u56fa\u5b9a\u52a0\u78bc 2\u90e8\u5206 :<\/p>\n\n\n\n

\u6307\u6a19\u5229\u7387 +\u56fa\u5b9a\u52a0\u78bc = \u6211\u5011\u5be6\u969b\u652f\u4ed8\u7684\u5229\u7387(\u8cb8\u6b3e\u5229\u7387)<\/strong><\/p>\n\n\n\n

\u6307\u6a19\u5229\u7387\u901a\u5e38\u70ba\u5e7e\u5bb6\u9280\u884c\u5b58\u6b3e\u5229\u7387\u7684\u5e73\u5747\u503c<\/strong>(\u4e5f\u5c31\u662f\u9280\u884c\u7684\u8cc7\u91d1\u6210\u672c\uff0c\u6211\u5011\u5176\u5be6\u53ea\u6709\u8cfa\u5230\u8d85\u904e\u6307\u6a19\u5229\u7387\u7684\u90e8\u5206)\uff0c\u800c\u592e\u884c\u7684\u5347\u964d\u606f\u76f4\u63a5\u5f71\u97ff\u6307\u6a19\u5229\u7387\uff0c\u4e14\u4e8c\u8005\u5347\u964d\u5e45\u5ea6\u57fa\u672c\u4e0a\u76f8\u540c(\u50cf2024\u5e743\u6708\u592e\u884c\u5347\u606f\u534a\u78bc\uff0c\u6307\u6a19\u5229\u7387\u4e5f\u6703\u4e0a\u5347\u534a\u78bc<\/strong>\u5de6\u53f3)\uff0c\u9019\u5c31\u662f\u623f\u8cb8\u5229\u7387\u96a8\u8457\u592e\u884c\u5347\u964d\u606f\u6d6e\u52d5\u7684\u539f\u56e0\u3002<\/p>\n\n\n\n

\u203b\u300c\u78bc\u300d\u70ba\u91d1\u878d\u754c\u53ca\u592e\u884c\u5347\u964d\u606f\u5e38\u7528\u7684\u5229\u7387\u55ae\u4f4d\uff0c1\u78bc = 0.25%<\/mark><\/strong><\/p>\n\n\n\n

\u96a8\u592e\u884c\u5347\u964d\u606f\u6d6e\u52d5\u7684\u8cb8\u6b3e\u5229\u7387\u597d\u55ce?<\/h2>\n\n\n\n

\u8cb8\u6b3e\u5229\u7387\u5206\u62102\u7a2e – \u6d6e\u52d5\u5229\u7387 & \u56fa\u5b9a\u5229\u7387<\/strong>\uff0c\u800c\u6d6e\u52d5\u5229\u7387\u5c0d\u80cc\u6709\u8cb8\u6b3e\u7684\u4eba\u662f\u597d\u4e8b\u9084\u662f\u58de\u4e8b? \u6211\u89ba\u5f97\u9019\u500b\u554f\u984c\u5f88\u50cf\u4e00\u676f\u88dd\u4e00\u534a\u7684\u6c34\uff0c\u4f60\u89ba\u5f97\u662f\u534a\u6eff\u9084\u662f\u534a\u7a7a\u5462? \u5c31\u5f97\u8996\u4f60\u4ee5\u4ec0\u9ebc\u6a23\u7684\u89d2\u5ea6\u4f86\u770b\u4e86\u3002\u4e00\u822c\u4f86\u8aaa\uff0c\u6d6e\u52d5\u5229\u7387\u8ddf\u56fa\u5b9a\u5229\u7387\u53ef\u4ee5\u5206\u62102\u90e8\u4efd\u8a0e\u8ad6\u512a\u7f3a\u9ede – 1.\u8cb8\u6b3e\u7576\u4e0b<\/strong> & 2.\u8cb8\u6b3e\u5f8c\u592e\u884c\u5229\u7387\u5347\u964d\u6642<\/strong> :<\/p>\n\n\n\n

\"\u6d6e\u52d5
\u6d6e\u52d5 & \u56fa\u5b9a\u5229\u7387\u512a\u7f3a\u9ede\u6bd4\u8f03<\/figcaption><\/figure>\n\n\n\n

\u592e\u884c\u53c8\u5347\u606f\u534a\u78bc..\u53ef\u4ee5\u7d66\u6211\u56fa\u5b9a\u5229\u7387\u55ce?<\/h2>\n\n\n\n

\u5728\u7f8e\u570b\uff0c30\u5e74\u56fa\u5b9a\u5229\u7387\u623f\u8cb8\u662f\u5927\u591a\u6578\u8cfc\u5c4b\u65cf\u4f7f\u7528\u7684\u8cb8\u6b3e\u8a08\u606f\u65b9\u5f0f\uff0c\u90a3\u53f0\u7063\u6709\u55ce? \u7b54\u6848\u662f – \u5728\u53f0\u7063\u4e0d\u53ef\u80fd\u627e\u5230\u56fa\u5b9a\u5229\u7387\u7684\u623f\u8cb8<\/mark><\/strong>\uff0c\u56e0\u70ba\u9280\u884c\u4e0d\u6562\u627f\u505a –
\u53f0\u7063\u7684\u9280\u884c\u6c92\u8fa6\u6cd5\u5c07\u627f\u4f5c\u7684\u623f\u8cb8\u8ce3\u51fa<\/strong>\uff0c\u4f46\u7f8e\u570b\u9280\u884c\u537b\u53ef\u4ee5\u628a\u627f\u505a\u7684\u56fa\u5b9a\u5229\u7387\u623f\u8cb8\u6253\u5305\u5728\u4e00\u8d77\uff0c\u7576\u6210\u56fa\u5b9a\u6536(\u623f\u8cb8)\u606f\u7684\u7522\u54c1(M<\/strong>ortgage B<\/strong>ack S<\/strong>ecurity)\u8ce3\u7d66\u6295\u8cc7\u4eba\uff0c\u85c9\u6b64\u8f49\u79fb\u5b58\u6b3e\u5229\u7387(\u6210\u672c)\u4e0a\u5347\u7684\u98a8\u96aa<\/strong> – \u60f3\u50cf\u4e00\u4e0b\uff0c\u5982\u679c\u4f60\u662f\u9280\u884c\uff0c\u5728\u5b58\u6b3e(\u9280\u884c\u8cb8\u6b3e\u51fa\u53bb\u7684\u8cc7\u91d1\u4f86\u6e90)\u5229\u7387\u70ba1.5%\u6642\u8cb8\u653e\u51fa\u4e00\u7b462%\u7684\u56fa\u5b9a\u5229\u7387\u623f\u8cb8\uff0c\u6bcf\u5e74\u53ef\u4ee5\u67090.5%\u7684\u5229\u6f64\uff0c\u4f46\u5982\u679c\u592e\u884c\u5347\u606f\uff0c\u5b58\u6b3e\u5229\u7387\u4e0a\u5347\u52303%\u5462? \u90a3\u6bcf\u5e74\u5c31\u6703\u7522\u751f1.5%\u7684\u8667\u640d\uff0c\u800c\u9019\u5c31\u662f\u53f0\u7063\u7684\u9280\u884c\u4e0d\u6562\u627f\u505a\u56fa\u5b9a\u5229\u7387\u623f\u8cb8\u7684\u539f\u56e0\u3002

\u203b\u7f8e\u570b\u9280\u884c\u5c07\u627f\u505a\u7684\u623f\u8cb8\u6253\u5305\u5f8c\u8ce3\u51fa\u5f8c\uff0c\u4e5f\u8f49\u79fb\u6389\u4e86\u623f\u8cb8\u6236\u5012\u5e33\u7684\u98a8\u96aa(\u8b8a\u6210\u7531\u8cfc\u8cb7\u7684\u6295\u8cc7\u4eba\u627f\u64d4\uff0c\u9280\u884c\u7684\u9053\u5fb7\u98a8\u96aa<\/a>\u4e0a\u5347)\uff0c\u56e0\u6b64\u76f8\u5c0d\u65bc\u53f0\u7063\u7684\u9280\u884c(\u627f\u505a\u623f\u8cb8\u7684\u9280\u884c\u8981\u81ea\u5df1\u627f\u64d4\u5012\u5e33\u640d\u5931)\uff0c\u7f8e\u570b\u9280\u884c\u5728\u8a55\u4f30\u501f\u6b3e\u4eba\u9084\u6b3e\u80fd\u529b\u6642\u7406\u8ad6\u4e0a\u4f86\u8aaa\u6703\u8f03\u4e0d\u56b4\u8b39\uff0c\u800c\u9019\u4e5f\u662f2008\u5e74\u6b21\u7d1a\u623f\u8cb8\u98a8\u66b4\u7684\u5c0e\u706b\u7dda(\u8cfc\u5c4b\u65cf\u5b8c\u5168\u6c92\u6536\u5165\u4e5f\u53ef\u4ee5\u501f\u597d\u501f\u6eff)\u3002<\/p>\n\n\n\n

\u61c9\u5c0d\u592e\u884c\u5347\u606f\u7684\u5f71\u97ff\uff0c\u4f60\u80fd\u505a\u7684\u662f – \u722d\u53d6\u5730\u677f\u50f9\u5229\u7387!<\/h2>\n\n\n\n

\u5728\u53f0\u7063\uff0c\u6211\u5011\u53ea\u6709\u6d6e\u52d5\u5229\u7387\u7684\u9078\u9805\uff0c\u6240\u4ee5\u5c0d\u5229\u7387\u7d44\u6210\u7684\u524d\u534a\u90e8 – \u6307\u6a19\u5229\u7387<\/strong>\uff0c\u501f\u6b3e\u4eba\u662f\u6c92\u8fa6\u6cd5\u6539\u8b8a\u7684(\u6c7a\u5b9a\u6b0a\u5b8c\u5168\u5728\u592e\u884c\u624b\u4e0a)\u3002\u4f46\u662f\u597d\u6d88\u606f\u662f\uff0c\u5f8c\u534a\u90e8\u7684\u56fa\u5b9a\u52a0\u78bc<\/strong>\u5e45\u5ea6\u638c\u63e1\u5728\u4f60\u7684\u624b\u4e0a\uff0c\u4ee5\u5347\u606f\u534a\u78bc\u63a8\u4f30\uff0c\u65b0\u7684\u623f\u8cb8\u5229\u7387\u5730\u677f\u50f9\u61c9\u8a72\u6703\u843d\u57282.185%<\/mark><\/strong>\u9644\u8fd1(\u73fe\u884c\u6700\u4f4e\u623f\u8cb8\u5229\u73872.06% + 0.125%)\uff0c\u800c\u8981\u5c07\u56fa\u5b9a\u52a0\u78bc\u964d\u81f3\u6700\u4f4e\uff0c\u4f60\u53ef\u4ee5 :

1. \u4e0d\u8981\u540c\u6642\u5411\u592a\u591a\u5bb6\u9280\u884c\u7533\u8acb\u8cb8\u6b3e – <\/strong>\u53ea\u8981\u63d0\u51fa\u8cb8\u6b3e\u7533\u8acb\uff0c\u9280\u884c\u5c31\u6709\u6b0a\u529b\u67e5\u4f60\u7684\u806f\u5fb5\uff0c\u540c\u6642\u4e5f\u53ef\u4ee5\u770b\u5230\u8fd1\u4e00\u5e74\u6709\u54ea\u4e9b\u540c\u696d\u67e5\u904e\u4f60\u7684\u806f\u5fb5\u7d00\u9304\uff0c\u5982\u679c\u6211\u5011\u770b\u5230\u88ab\u67e5\u8a62\u7684\u6b21\u6578\u592a\u591a\uff0c\u5c31\u6703\u89ba\u5f97\u4f60\u6703\u4e0d\u6703\u662f\u5728\u5176\u4ed6\u9280\u884c\u8cb8\u4e0d\u5230\u624d\u8dd1\u4f86\u627e\u6211\u5011\u5462?
2. \u8981\u6301\u6709\u4fe1\u7528\u5361!<\/mark> – <\/strong>\u54c8\u5229\u6709\u9047\u904e\u4e00\u4e9b\u525b\u7562\u696d\u7684\u65b0\u9bae\u4eba\uff0c\u89ba\u5f97\u81ea\u5df1\u6c92\u6709\u4fe1\u7528\u5361\uff0c\u806f\u5fb5\u8cc7\u8a0a\u5f88\u4e7e\u6de8\u662f\u4e00\u4ef6\u597d\u4e8b\uff0c\u4f46\u4e8b\u5be6\u662f : \u9019\u8b93\u6211\u5011\u7121\u5f9e\u5f97\u77e5\u4f60\u7684\u4fe1\u7528\u7d00\u9304\uff0c\u5728\u5c0d\u501f\u6b3e\u4eba\u505a\u5fb5\u4fe1\u6642\u975e\u5e38\u6263\u5206!
3. \u5118\u91cf\u4e0d\u8981\u4f7f\u7528\u4fe1\u7528\u5361\u5faa\u74b0\u4fe1\u7528 –<\/strong> \u4f7f\u7528\u5faa\u74b0\u4fe1\u7528(\u6c92\u5168\u984d\u7e73\u6e05\u4fe1\u7528\u5361\u5e33\u55ae)\uff0c\u9664\u4e86\u8981\u4ed8\u9ad8\u984d\u5229\u606f\u5916(\u901a\u5e38\u81f3\u5c115%\u2191)\uff0c\u9280\u884c\u4e5f\u6703\u61f7\u7591\u4f60\u4e4b\u5f8c\u6709\u6c92\u6709\u9322\u80fd\u6b63\u5e38\u9084\u623f\u8cb8
4. \u964d\u4f4e\u4fe1\u7528\u5361\u5206\u671f\u91d1\u984d –<\/strong> \u904e\u9ad8\u6703\u5f71\u97ff\u8ca0\u50b5\u6bd4
5. \u8fa6\u7406\u623f\u8cb8\u524d\u5148\u7d50\u6e05\u4fe1\u8cb8(\u5982\u6709) –<\/strong> \u5728\u6709\u4e9b\u9280\u884c\uff0c\u4fe1\u8cb8\u6703\u662f\u4e00\u500b\u6263\u5206\u9805\u76ee
6. \u6aa2\u8996\u81ea\u5df1\u7684\u8ca0\u50b5\u6bd4(\u6536\u652f\u6bd4) –<\/strong> \u8a08\u7b97\u65b9\u5f0f\u70ba\u6bcf\u5e74\u8cb8\u6b3e\u7e3d\u652f\u51fa\/\u5e74\u6536\u5165<\/strong>\uff0c\u5047\u8a2d\u4f60\u7684\u5e74\u6536\u5165100\u842c\u5143\uff0c\u539f\u672c\u5c31\u6709\u4e00\u7b46\u8cb8\u6b3e\uff0c\u6bcf\u6708\u8981\u7e73\u672c\u606f2\u842c\u5143(\u5e74\u7e7324\u842c)\uff0c\u73fe\u5728\u65b0\u8fa6\u623f\u8cb8\uff0c\u8a66\u7b97\u5f8c\u6bcf\u6708\u8981\u7e733\u842c\u5143(\u5e74\u7e7336\u842c)\uff0c\u90a3\u4f60\u7684\u8ca0\u50b5\u6bd4\u5c31\u662f60%(24+36\u842c \/ 100\u842c)\uff0c\u800c60%\u4e5f\u662f\u9280\u884c\u666e\u904d\u80fd\u63a5\u53d7\u7684\u6700\u9ad8\u8ca0\u50b5\u6bd4\u4e0a\u9650<\/mark><\/strong>
7. \u52aa\u529b\u63d0\u5347\u6240\u5f97&\u8cc7\u7522 –<\/strong> \u9019\u61c9\u8a72\u5c31\u4e0d\u7528\u591a\u8aaa\u4e86\u5427(\u7b11)

\u505a\u5230\u4ee5\u4e0a7\u9ede\u5f8c\uff0c\u57fa\u672c\u4e0a\u5c31\u4e0d\u6703\u96e2\u6700\u4f4e\u623f\u8cb8\u5229\u7387\u592a\u9060\u56c9!
<\/p>\n\n\n\n

\n

Sources<\/strong><\/p>\nWhy High Mortgage Rates Matter Less In The U.S. Than In Other Countries (investopedia.com)<\/a>
<\/cite><\/blockquote>","protected":false},"excerpt":{"rendered":"

\u5728\u592e\u884c\u7a81\u7136\u5347\u606f\u5f8c\uff0c\u8cfc\u5c4b\u65cf\u9996\u7576\u5176\u885d\u53d7\u5f71\u97ff\uff0c\u82e5\u8981\u5c07\u623f\u8cb8\u5229\u7387\u964d\u81f3\u6700\u4f4e\uff0c\u4f60\u53ef\u4ee5..<\/p>","protected":false},"author":1,"featured_media":858,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"nf_dc_page":"","om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[57],"tags":[59,62,58,60,61],"class_list":["post-739","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-57","tag-59","tag-62","tag-58","tag-60","tag-61"],"blocksy_meta":[],"jetpack_featured_media_url":"https:\/\/i0.wp.com\/henrysfinancialnotes.com\/wp-content\/uploads\/2024\/03\/bank-scaled.jpg?fit=2560%2C1707&ssl=1","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/henrysfinancialnotes.com\/en\/wp-json\/wp\/v2\/posts\/739","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/henrysfinancialnotes.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/henrysfinancialnotes.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/henrysfinancialnotes.com\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/henrysfinancialnotes.com\/en\/wp-json\/wp\/v2\/comments?post=739"}],"version-history":[{"count":6,"href":"https:\/\/henrysfinancialnotes.com\/en\/wp-json\/wp\/v2\/posts\/739\/revisions"}],"predecessor-version":[{"id":1288,"href":"https:\/\/henrysfinancialnotes.com\/en\/wp-json\/wp\/v2\/posts\/739\/revisions\/1288"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/henrysfinancialnotes.com\/en\/wp-json\/wp\/v2\/media\/858"}],"wp:attachment":[{"href":"https:\/\/henrysfinancialnotes.com\/en\/wp-json\/wp\/v2\/media?parent=739"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/henrysfinancialnotes.com\/en\/wp-json\/wp\/v2\/categories?post=739"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/henrysfinancialnotes.com\/en\/wp-json\/wp\/v2\/tags?post=739"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}