¡No espere! Múdese a la casa más grande que usted siempre quiso
Ahora que se ha estabilizado el mercado de la vivienda, más y más propietarios están considerando mudarse a la casa más grande que ellos siempre soñaron. En la mayoría de las áreas, los precios aún están por debajo de lo que estaban unos años atrás. También, las tasas de interés aún están cerca del 4 %.
Sin embargo, los vendedores deben darse cuenta que esperar para dar el paso, mientras que las tasas hipotecarias están aumentando probablemente no tenga sentido. Como las tasas aumenten, el precio de la casa que usted puede comprar va a disminuir. Aquí esta una tabla especificando este punto:
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Sure, but if interest rates rise, housing values will suffer. Everything comes back to affordability. That $400k house at current 3.75% will be ~$365k at 4.75%, so there’s no real rush to buy when interest rates are low. You can buy the same house at a lower price if interest rates rise.
I agree with affordability being a factor. However, a $400,000 loan amount at 3.75% equates to a P&I payment of $1,852/mo. A loan amount of $365,000 at 4.75% is a P&I payment of $1,901. So, in this example, the lower interest rate would offer a lower montly P& I payment for the borrower. Just my humble opinion, and thanks for sharing.
Lower interest rates will always provide more affordability when it comes to housing. If interest rates begin to rise, fewer people will be able to afford buying in general, let alone moving up.