But the FHA is now facing billions of dollars of losses on loans originated between 2007 and 2009. To help bolster its finances, the agency recently announced a series of measures including higher annual insurance premiums and a change to rules that allowed insurance premiums to lapse. Typical borrowers have to pay an up-front insurance premium of 1.75% of the loan amount and, starting in 2013, a higher annual premium of 1.35% of the balance, up from 1.25%, says Keith Gumbinger, vice president at HSH.com.
但联邦住房管理局在2007年至2009年期间发放的贷款目前面临上百亿美元的损失。为支持自己的财务状况,这家机构最近宣布了一系列措施,其中包括提高每年缴纳的保险费以及对某些规定的修改,原来的规定允许保险费转归。HSH.com的副总裁嘉彬葛(Keith Gumbinger)说,按揭贷款的借款人通常需先行支付相当于借款总额1.75%的保险费,并且从2013年起,借款人每年支付的保险费将从未偿还贷款总额的1.25%提高到1.35%。
Many potential buyers have sat out of the market and rented instead-because they were waiting for prices to bottom out, found it to be a cheaper option or couldn't qualify for a mortgage. But the jump in renters after the housing collapse led to higher rents throughout much of the country. In many cases, it no longer makes financial sense to rent instead of buy.
许多潜在的买房人一直没有入市买房,而是选择租房,这是因为他们或在等待房价跌至最低水平,或是发现租房是一个更便宜的选择,或是没有资格申请购房按揭贷款。但美国住房市场崩盘后租房人数大幅跃升导致美国许多地方的房屋租金都出现了上涨。许多情况下,租房相对买房在财务上已不再合算。
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