Name: 由於低利率的影響，抵押貸款再融資的申請量激增｜NBC晚間新聞網 (Mortgage Refinancing Applications Surge Thanks To Low Interest Rates | NBC Nightly News)
Uploaded: 2021-01-14T08:47:57.000Z
Duration: 1 min 31 s
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MORTGAGE RATES WITH AN INCREASE IN APPLICATIONS FOR

INCREASE IN APPLICATIONS FOR REFINANCING.

APPLICATIONS FOR REFINANCING. JO LING KENT WITH THE

REFINANCING. JO LING KENT WITH THE PRICE YOU PAY.

JO LING KENT WITH THE PRICE YOU PAY. >> WHAT PERCENTAGE.

PRICE YOU PAY. >> WHAT PERCENTAGE. >> Reporter: FOR

>> WHAT PERCENTAGE. >> Reporter: FOR HOMEOWNER SEAN

>> Reporter: FOR HOMEOWNER SEAN WALLACE, THE NEW YEAR

HOMEOWNER SEAN WALLACE, THE NEW YEAR MEANT JUMPING ON A NEW

WALLACE, THE NEW YEAR MEANT JUMPING ON A NEW CHANCE TO SAVE.

MEANT JUMPING ON A NEW CHANCE TO SAVE. >> THANKS TO

CHANCE TO SAVE. >> THANKS TO REFINANCING, SINCE WE

>> THANKS TO REFINANCING, SINCE WE PURCHASED OUR HOME IN

REFINANCING, SINCE WE PURCHASED OUR HOME IN JULY OF 2018, WE’RE

PURCHASED OUR HOME IN JULY OF 2018, WE’RE NOW SAVING JUST OVER

JULY OF 2018, WE’RE NOW SAVING JUST OVER $300 A MONTH.

NOW SAVING JUST OVER $300 A MONTH. >> Reporter: HE

$300 A MONTH. >> Reporter: HE REFINANCED THE

>> Reporter: HE REFINANCED THE MORTGAGE ON HIS

REFINANCED THE MORTGAGE ON HIS CHICAGO CONDO LAST

CHICAGO CONDO LAST WEEK. >> IT DOES FEEL LIKE

WEEK. >> IT DOES FEEL LIKE FOUND MONEY TO US.

>> IT DOES FEEL LIKE FOUND MONEY TO US. >> Reporter: WALLACE

FOUND MONEY TO US. >> Reporter: WALLACE IS NOT ALONE.

>> Reporter: WALLACE IS NOT ALONE. MORTGAGE APPLICATIONS

IS NOT ALONE. MORTGAGE APPLICATIONS SOARED MORE THAN 30%

MORTGAGE APPLICATIONS SOARED MORE THAN 30% LAST WEEK DRIVING THE

SOARED MORE THAN 30% LAST WEEK DRIVING THE SURGE REFINANCING,

LAST WEEK DRIVING THE SURGE REFINANCING, WHICH MORE THAN

SURGE REFINANCING, WHICH MORE THAN DOUBLED COMPARED TO A

WHICH MORE THAN DOUBLED COMPARED TO A YEAR AGO.

DOUBLED COMPARED TO A YEAR AGO. THE 30-YEAR FIXED IS

YEAR AGO. THE 30-YEAR FIXED IS DOWN ALMOST ONE

THE 30-YEAR FIXED IS DOWN ALMOST ONE PERCENTAGE POINT IN

DOWN ALMOST ONE PERCENTAGE POINT IN THAT TIME.

PERCENTAGE POINT IN THAT TIME. CHECK OUT THIS MAP, A

THAT TIME. CHECK OUT THIS MAP, A YEAR AGO A $300,000

CHECK OUT THIS MAP, A YEAR AGO A $300,000 $300,000 30-YEAR FIXED

YEAR AGO A $300,000 $300,000 30-YEAR FIXED LOAN WOULD HAVE BEEN

$300,000 30-YEAR FIXED LOAN WOULD HAVE BEEN $1500 WITH TODAY’S

LOAN WOULD HAVE BEEN $1500 WITH TODAY’S RATES, THAT PAYMENT

$1500 WITH TODAY’S RATES, THAT PAYMENT WOULD BE $140 LESS.

RATES, THAT PAYMENT WOULD BE $140 LESS. THAT’S A SAVINGS OF

WOULD BE $140 LESS. THAT’S A SAVINGS OF $1700 A YEAR.

THAT’S A SAVINGS OF $1700 A YEAR. >> VERY RARELY DO YOU

$1700 A YEAR. >> VERY RARELY DO YOU GET AN OPPORTUNITY TO

>> VERY RARELY DO YOU GET AN OPPORTUNITY TO SAVE OVER $100 A

GET AN OPPORTUNITY TO SAVE OVER $100 A MONTH.

SAVE OVER $100 A MONTH. >> Reporter: TO DECIDE

MONTH. >> Reporter: TO DECIDE IF YOU SHOULD

>> Reporter: TO DECIDE IF YOU SHOULD REFINANCE, DETERMINE

IF YOU SHOULD REFINANCE, DETERMINE HOW LONG YOU WANT TO

REFINANCE, DETERMINE HOW LONG YOU WANT TO STAY IN YOUR HOME AND

HOW LONG YOU WANT TO STAY IN YOUR HOME AND CALCULATE HOW MUCH YOU

STAY IN YOUR HOME AND CALCULATE HOW MUCH YOU WOULD SAVE PER MONTH

CALCULATE HOW MUCH YOU WOULD SAVE PER MONTH TO MAKE SURE THAT

WOULD SAVE PER MONTH TO MAKE SURE THAT JUSTIFIES ANY

TO MAKE SURE THAT JUSTIFIES ANY REFINANCING FEES.

JUSTIFIES ANY REFINANCING FEES. >> WHEN RATES DROP

REFINANCING FEES. >> WHEN RATES DROP BELOW 4%, THERE IS A

>> WHEN RATES DROP BELOW 4%, THERE IS A SCENARIO WHERE IT

BELOW 4%, THERE IS A SCENARIO WHERE IT WORKS FOR THE VAST

SCENARIO WHERE IT WORKS FOR THE VAST MAJORITY OF PEOPLE WE

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由於低利率的影響，抵押貸款再融資的申請量激增｜NBC晚間新聞網 (Mortgage Refinancing Applications Surge Thanks To Low Interest Rates | NBC Nightly News)

scenario

opportunity

majority

vast