Is your adjustable-rate mortgage resetting?您的浮动利率抵押贷款是否正在重置？
As interest rates have stayed elevated for the last few years, a growing share of homebuyers turned to adjustable-rate loans (ARMs). These loans typically offer some breathing room from high rates by providing a lower fixed rate for five, seven, or 10 years before resetting with market rates.
George Walker IV/AP/File
As interest rates have stayed elevated for the last few years, a growing share of homebuyers turned to adjustable-rate loans (ARMs). These loans typically offer some breathing room from high rates by providing a lower fixed rate for five, seven, or 10 years before resetting with market rates.
With the average 30-year fixed mortgage rate now above 7% and inflation causing other monthly costs to go up, many Americans who took an out an ARM loan may be wondering what to do next to avoid seeing spiraling monthly payments.
乔治·沃克四世/美联社/档案照
由于过去几年利率居高不下，越来越多的购房者转向浮动利率贷款（ARM）。这类贷款通常提供五年、七年或十年的较低固定利率，之后利率将根据市场利率进行调整，从而为购房者提供一定的缓冲期。
由于 30 年期固定抵押贷款的平均利率目前已超过 7%，加上通货膨胀导致其他每月支出增加，许多申请了 ARM 贷款的美国人可能想知道接下来该怎么做才能避免每月还款额螺旋式上升。