A rate buydown is when the seller — or the builder — pays the lender a lump sum to lower the buyer's interest rate for a period or for the life of the loan. It is a discount paid up front, used instead of cutting the headline price.
利率买降 —— 卖方
| Move变动 | Where it appeared出现位置 | What it means这句话在说什么 |
|---|---|---|
| — | US pending home sales fall to a 12-year low as mortgage rates top 7% 利率买降 —— 卖方 · 第 7 张术语卡 | With inventory building, builders are funding buydowns and covering closing costs rather than dropping list prices — one of the few genuine wins for buyers in this market. 为什么卖方偏爱买降而不是降价？① 降价会拉低同小区所有房源的估值参照，而买降是「一次性费用」，不写进成交价；② 低月供对买家心理的吸引力大于总价优惠；③ 卖方的成本可能更低 —— 用 2 万美元补贴利率，可能比降价 3 万美元更能打动买家。代价是买方实际拿到的长期利益取决于你住多久：如果两三年就卖房，买降的收益还没兑现。 |