이번 주 30년 고정 모기지 금리가 6.26%에서 6.3%로 소폭 올랐습니다. 몇 주 만에 나타난 첫 상승인데, 이 변화가 실제 주택 구매 비용에 어떤 영향을 줄까요? 월별 모기지 비용의 차이 Realtor.com 계산기에 따르면, 중간 가격대 주택(약 $429,990)을 20% 다운페이먼트로 구입할 경우 이번 주 월 모기지 상환액은 약  $2,123 입니다. 지난주 같은 조건에서는 $2,113이었으니, 단지  월 $10 차이 에 불과합니다. 한편, 작년 2023년 10월 금리가 7.79%까지 치솟았을 때를 비교하면 지금은 훨씬 나은 상황입니다. 당시 중간가 주택($440,950)을 구입했다면 월 $2,537을 부담해야 했지만, 현재는 월 $249, 연간 $2,988을 절약할 수 있습니다. 즉, 이번 주 소폭 상승은 크게 우려할 수준이 아니며, 여전히 지난해 고점과 비교하면 바이어에게 훨씬 유리한 조건입니다. FHA 대출(3.5% 다운) 시의 차

This week, the average 30-year fixed mortgage rate  inched up from 6.26% to 6.3%  — a modest increase and the first in several weeks.But what does this small rate change actually mean for homebuyers in real terms? Monthly Mortgage Payment Difference According to  Realtor.com ’s mortgage calculator , if you purchase a  median-priced home ($429,990)  with a  20% down payment , your monthly mortgage payment this week would be  around $2,123 .Last week, the same loan would have c

주택을 작게 줄여 생활비를 낮추거나 가족 가까이에 살고 싶다는 생각을 하고 계시다면 지금 눈여겨보셔야 할 흐름이 있습니다. 최근 미국에서 점점 더 많은 주택 소유자들이  새로운 주택을 모기지 없이 현금으로 구입 하고 있다는 사실입니다. 주택을 오래 보유하신 분들이라면 여러분도 같은 선택을 할 수 있는 상황일지 모릅니다. 미국 주택의 40% 이상이 모기지 완납 상태 ResiClub이 센서스 데이터를 분석한 결과, 미국에서 자가주택의 40% 이상이 이미 모기지가 없는 상태라고 합니다. 즉, 열 가구 중 네 가구는 주택을 완전히 자기 자산으로 소유하고 있다는 뜻입니다. 특히 베이비붐 세대가 은퇴 시기를 맞이하며 오랜 기간 모기지를 상환해온 결과가 크게 작용했습니다. 이들은 더 이상 매달 모기지 납부를 하지 않아도 되는 상황에서, 주택을 팔고 새로운 주택을 현금으로 구입하는 선택지를 활용하고 있습니다. 다운사이징, 현금 구매로 여유를 누리다...

If you’ve been thinking about moving to a smaller home—whether to reduce living costs, simplify your lifestyle, or live closer to family— now is the time to pay attention. A growing number of U.S. homeowners are selling their homes and buying their next one entirely with cash, without a mortgage. If you’ve owned your home for years, you may be in the same position to make this move comfortably. Over 40% of U.S. Homes Are Now Mortgage-Free According to ResiClub ’s analysis of

연말 시즌이 다가오면서 일부 주택 소유자분들은 “지금은 팔기엔 좀 이르다”거나 “내년 봄에 나와야겠다”는 생각을 하시곤 합니다. 그러나 최근 자료에 따르면, 지금 같은 시기에 매도하시는 것이 오히려 유리할 수 있습니다. 바이어들이 적극적으로 움직이고 있으며, 경쟁 매물이 줄어드는 중이기 때문입니다. 해당 자료에서는 집이 바이어의 ‘Wish List’에 오르는 4가지 핵심 이유를 제시했습니다.  ① 지금 집을 보러 오는 바이어는 정말 움직일 준비가 되어 있습니다 연말 시즌이라 주택 시장이 느려질 것 같지만, 실제로는 이 시기에 집을 보는 바이어들이 ‘진짜 구매 준비’된 상태인 경우가 많다고 설명했습니다. 직장 이동, 가족 환경 변화 등으로 인해 시간이 촉박한 바이어들이 연말까지 거래를 마치려는 경향이 있다는 분석입니다.  시카고·일리노이 지역에서도 동일하게 적용됩니다. 예컨대 연말까지 집을 구해야 하는 바이어가 학교 학기나 연말 인사이동을 고려해 이

As the year-end season approaches, many homeowners assume it’s better to wait until spring to sell. However, recent market data suggests that  listing your home now may actually be more advantageous. Buyers are actively searching, and competition among listings is declining. According to recent analyses, here are  four key reasons  homes are landing on buyers’ “Wish Lists” right now: 1️⃣ Buyers Shopping Now Are Truly Ready to Move While the holidays may seem like a slow seaso