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[:en]How Interest Rates Impact Family Wealth[:es]Como las tasas de interés afectan el patrimonio familiar[:]

[:en]With interest rates still in the low 4%’s, many buyers may be on the fence as to whether to act now and purchase a new home, or wait until next year.

If you look at what the experts are predicting for 2015, it may make the decision for you.

Even an increase of half a percentage point can put a dent in your family’s net worth.

Let’s look at it this way…

The monthly payment (principal & interest only) on a $250,000 home today, with the current 4.1% interest rate would be $1,208.

If we take that same home a year later, the Home Price Expectation Survey projects that prices will rise about 4% making that home cost $10,000 more at $260,000.

If we take Freddie Mac’s rate projection of 4.8%, the monthly mortgage payment climbs to $1,364.

Some buyers might not think that an extra $156 a month is that bad. But over the course of 30-year mortgage you have spent an additional $56,160 by waiting a year.[:es]

Con las tasas de interés en el bajo 4%, muchos compradores tal vez estén indecisos en cuanto a si deben actuar ahora y comprar una casa nueva, o esperar hasta el próximo año.

Si miramos lo que los expertos están pronosticando para 2015, tal vez tome la decisión por usted.

Incluso un aumento de medio punto porcentual puede afectar el patrimonio neto de su familia.

Veámoslo de esta forma…

El pago mensual (solamente principal & interés) en una casa de $250,000 hoy, can la tasa de interés actual de 4.1% sería de $1,208.

Si tomamos la misma casa un año después, La Encuesta de La Expectativa de los Precios de las Casas (the Home Price Expectation Survey) proyecto que los precios van a aumentar aproximadamente 4% haciendo que esa casa cueste $10,000 más, a $260,000.

Si tomamos la tasa que proyectó Freddie Mac del 4.8%, el pago mensual de la hipoteca subirá a $1,364.

Algunos compradores tal vez no piensan que un aumento de $156 al mes sea tan malo. Pero en el trascurso de la hipoteca a 30 años usted ha pagado $56,160 adicional por esperar un año.

[:]

[:en]How Interest Rates Impact Family Wealth[:es]Como las tasas de interés afectan el patrimonio familiar[:]

[:en]With interest rates still in the low 4%’s, many buyers may be on the fence as to whether to act now and purchase a new home, or wait until next year. If you look at what the experts are predicting for 2015, it may make the decision for you. Even an increase of half a ...

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[:en]How Interest Rates Impact Family Wealth[:es]Como las tasas de interés afectan el patrimonio familiar[:]

[:en]With interest rates still in the low 4%’s, many buyers may be on the fence as to whether to act now and purchase a new home, or wait until next year.

If you look at what the experts are predicting for 2015, it may make the decision for you.

Even an increase of half a percentage point can put a dent in your family’s net worth.

Let’s look at it this way…

The monthly payment (principal & interest only) on a $250,000 home today, with the current 4.1% interest rate would be $1,208.

If we take that same home a year later, the Home Price Expectation Survey projects that prices will rise about 4% making that home cost $10,000 more at $260,000.

If we take Freddie Mac’s rate projection of 4.8%, the monthly mortgage payment climbs to $1,364.

Some buyers might not think that an extra $156 a month is that bad. But over the course of 30-year mortgage you have spent an additional $56,160 by waiting a year.[:es]

Con las tasas de interés en el bajo 4%, muchos compradores tal vez estén indecisos en cuanto a si deben actuar ahora y comprar una casa nueva, o esperar hasta el próximo año.

Si miramos lo que los expertos están pronosticando para 2015, tal vez tome la decisión por usted.

Incluso un aumento de medio punto porcentual puede afectar el patrimonio neto de su familia.

Veámoslo de esta forma…

El pago mensual (solamente principal & interés) en una casa de $250,000 hoy, can la tasa de interés actual de 4.1% sería de $1,208.

Si tomamos la misma casa un año después, La Encuesta de La Expectativa de los Precios de las Casas (the Home Price Expectation Survey) proyecto que los precios van a aumentar aproximadamente 4% haciendo que esa casa cueste $10,000 más, a $260,000.

Si tomamos la tasa que proyectó Freddie Mac del 4.8%, el pago mensual de la hipoteca subirá a $1,364.

Algunos compradores tal vez no piensan que un aumento de $156 al mes sea tan malo. Pero en el trascurso de la hipoteca a 30 años usted ha pagado $56,160 adicional por esperar un año.

[:]

« Cost Across Time [INFOGRAPHIC]El Costo a traves del tiempo [INFOGRAFIA] [:en]The Two Things You Don’t Need to Hear from Your Listing Agent[:es]Las dos cosas que no necesita saber de su agente[:] »

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