5/1 LLPA新规的一些信息

联邦住房金融局(FHFA) 5/1生效的LLPA(Loan-Level Price Adjustment)变动引发争议。花点时间看了一下两方的观点，整理在下面供大家参考。

- 反方: 这是赤裸裸的subsiding，信用好的人群为信用差的人群买单

For example, beginning May 1, a buyer with a good credit score of 750 who puts down 25% on a $400,000 home would now pay 0.375% in fees on a 30-year loan, or $1,125, compared to 0.250%, or $750, under the previous fee rules.

Meanwhile, a buyer with a credit score of 650 putting a 25% down payment on a $400,000 home would now pay 1.5% in fees on a 30-year loan, or $4,500. That compares with 2.75%, or $8,250, under the previous rules.

According to the FHFA, the new rules will redistribute funds to reduce the interest rate paid by less qualified buyers.

- 正方：对比一下有涨有跌，而且优惠主要针对低收入人群的首次住房