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Krusty Camel
Krusty Camel：本期节目讨论了可承接抵押贷款（assumable mortgages）的现状及可行性。虽然这种贷款方式在社交媒体上被炒得很热，声称可以获得极低的利率，但实际上，它存在诸多限制和挑战，对于大多数购房者来说并非理想的选择。首先，承接抵押贷款需要大量的现金，通常需要支付卖家的全部权益，包括首付、已支付的本金以及房屋增值部分，这笔费用可能高达数十万美元。其次，可承接抵押贷款仅适用于政府担保的贷款，如FHA、USDA和VA贷款，这大大限制了购房者的选择范围。此外，承接FHA贷款还需要支付长达十年的高昂抵押保险费。最后，可承接抵押贷款的流程非常漫长，可能需要数月时间才能完成，而且贷款机构也没有积极性促成交易。总而言之，可承接抵押贷款的成功率极低，对于大多数购房者来说，这并非一个现实可行的选择。节目建议购房者可以通过增加首付、选择更经济的地区以及耐心等待来实现购房目标，也可以考虑降低购房标准，例如选择联排别墅而不是独立式住宅。
Deep Dive
Assumable mortgages, also known as assumption loans, involve taking over the seller's existing mortgage instead of obtaining a new one. The primary appeal lies in assuming the seller's interest rate, which can lead to significant savings, especially in a high-interest-rate environment. However, assumable mortgages come with several drawbacks.
- Assumable mortgages involve taking over the seller's existing mortgage.
- Main advantage: Assuming a potentially lower interest rate.
- Assumable mortgages are not a scam but have limitations.
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