In about three out of four U.S. housing markets, it now takes less than three years of owning a home with a standard 30-year mortgage for buying to be cheaper than renting a similar space, says Zillow's Mr. Humphries.
房地产公司Zillow的首席经济学家汉弗莱斯说,在美国约四分之三的住房市场上,举借标准的30年期按揭贷款且购房时间不足三年的人现在用于供房的花费都比他租相同条件住房的花费要少。
Tougher Standards
按揭贷款标准收紧
While home prices are trying to inch back to pre-crash levels, lenders are not returning to the lax lending standards of the boom market, when loans with no down payments were not rare, says Mike Fratantoni, vice president of research at the Mortgage Bankers Association.
美国抵押贷款银行家协会(Mortgage Bankers Association)负责研究的副会长弗拉坦托尼(Mike Fratantoni)说,虽然房价正在一点点地恢复到住房市场崩盘前的水平,但发放购房贷款的机构却没有恢复住房市场繁荣时期那种宽松的放贷标准,当时不要求支付首付的购房贷款也并不少见。
It's still back to basics. That means 'good credit, a down payment, and document, document, document,' says Matt Vernon, head of home loans sales at Bank of America BAC +1.33% . 'Credit [was] always available, but it's different. Not different than it was a decade ago, but different than it was five years ago.'
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