mortgage points

简明释义

抵押点

英英释义

例句

1.If you pay two mortgage points 抵押贷款点, you might save significantly on your monthly payments.

如果你支付两个mortgage points 抵押贷款点，你可能会在每月还款中节省很多。

2.Some lenders offer discounts for paying mortgage points 抵押贷款点 upfront.

一些贷款人提供提前支付mortgage points 抵押贷款点的折扣。

3.Before deciding on mortgage points 抵押贷款点, calculate how long you plan to stay in the home.

在决定是否支付mortgage points 抵押贷款点之前，计算一下你打算在这个家里待多久。

4.When you buy a house, you can choose to pay mortgage points 抵押贷款点 to lower your interest rate.

当你买房时，你可以选择支付mortgage points 抵押贷款点来降低利率。

5.Each mortgage point 抵押贷款点 typically costs 1% of your loan amount.

每个mortgage point 抵押贷款点通常费用为贷款金额的1%。

作文

When it comes to purchasing a home, understanding the financial aspects of a mortgage is crucial. One important concept that potential homeowners should be familiar with is mortgage points. In simple terms, mortgage points are fees paid directly to the lender at closing in exchange for a reduced interest rate on the mortgage. This means that by paying these points upfront, borrowers can lower their monthly payments, which can lead to significant savings over the life of the loan.There are two types of mortgage points: origination points and discount points. Origination points are fees charged by the lender for processing the loan, while discount points are what buyers purchase to lower their interest rate. Typically, one point equals one percent of the total loan amount. For instance, if you take out a $300,000 mortgage and decide to buy two mortgage points, you would pay $6,000 at closing.The decision to buy mortgage points often hinges on how long you plan to stay in the home. If you expect to live in the house for a long time, buying points can be a wise financial move. Lower monthly payments mean more money in your pocket each month, which can be redirected towards savings or investments. However, if you plan to move within a few years, paying for mortgage points may not be beneficial. The upfront cost might outweigh the savings from the lower interest rate, especially if you sell the home before recouping the initial investment.Calculating the break-even point is essential when considering mortgage points. This calculation shows how long it will take for the savings from the reduced monthly payment to equal the cost of the points. For example, if you pay $3,000 for mortgage points and save $150 per month, it will take 20 months to break even ($3,000 divided by $150). If you plan to stay in your home longer than this break-even period, purchasing mortgage points could be advantageous.Another factor to consider is the current interest rate environment. When rates are low, the benefits of buying mortgage points can be more pronounced. Conversely, if rates are high, it may not make sense to pay for points, as the overall cost of borrowing could still be substantial even with the reduction. Additionally, some lenders offer no-cost mortgages where they absorb the cost of mortgage points in exchange for a slightly higher interest rate. This option can be appealing for buyers who prefer not to pay upfront costs.In conclusion, understanding mortgage points is an essential part of navigating the mortgage process. They can provide significant savings for homeowners who plan to stay in their homes long-term, but they may not be worth the cost for those who move frequently. Potential homebuyers should carefully evaluate their financial situation, consider their plans for the future, and consult with a mortgage professional to determine whether purchasing mortgage points is the right choice for them. By being informed about mortgage points, buyers can make smarter decisions that align with their financial goals and ultimately save money in the long run.

在购买房屋时，理解抵押贷款的财务方面至关重要。潜在购房者应该熟悉的一个重要概念是抵押贷款点。简单来说，抵押贷款点是在结算时直接支付给贷方的费用，以换取抵押贷款利率的降低。这意味着，通过提前支付这些点，借款人可以降低每月的还款，这可能会在贷款的整个生命周期内带来显著的节省。抵押贷款点有两种类型：发起点和折扣点。发起点是贷方收取的处理贷款的费用，而折扣点是买家购买以降低利率的费用。通常，一个点等于贷款总额的百分之一。例如，如果您申请30万美元的抵押贷款并决定购买两个抵押贷款点，那么您在结算时需要支付6000美元。购买抵押贷款点的决定通常取决于您计划在房子里住多久。如果您预计会长期居住在房子里，购买点可能是明智的财务举措。较低的每月还款意味着每个月口袋里有更多的钱，可以转用于储蓄或投资。然而，如果您计划在几年内搬家，支付抵押贷款点可能就没有好处。前期成本可能超过了利率降低带来的节省，尤其是如果您在收回初始投资之前就出售房屋。在考虑抵押贷款点时，计算盈亏平衡点是必不可少的。这个计算显示了从减少的每月还款中获得的节省将花多长时间才能等于点的成本。例如，如果您支付3000美元购买抵押贷款点，每月节省150美元，那么盈亏平衡需要20个月（3000美元除以150美元）。如果您计划在家中停留的时间超过这个盈亏平衡期，购买抵押贷款点可能是有利的。另一个需要考虑的因素是当前的利率环境。当利率较低时，购买抵押贷款点的好处可能更为明显。相反，如果利率较高，支付点可能没有意义，因为即使降低了利率，借款的整体成本仍可能很高。此外，一些贷方提供无成本抵押贷款，他们吸收抵押贷款点的成本，以换取稍高的利率。这种选择对于那些不希望支付前期费用的买家来说可能很有吸引力。总之，了解抵押贷款点是驾驭抵押贷款过程的重要组成部分。对于计划长期居住在家中的房主，它们可以提供显著的节省，但对于经常搬家的买家来说，它们可能不值得成本。潜在购房者应仔细评估自己的财务状况，考虑未来的计划，并咨询抵押贷款专业人士，以确定购买抵押贷款点是否是正确的选择。通过了解抵押贷款点，买家可以做出与其财务目标一致的更明智的决策，并最终在长期内节省资金。