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自年初触及7%的高点以来，抵押贷款利率已显著下降。若分析师预测准确，随着美联储进一步下调基准利率，未来几个月利率可能持续走低。

美国抵押贷款银行家协会数据显示，近期利率下降已引发一波再融资热潮，申请量较一年前增长18%。那么，你是否也该考虑尽快申请再融资呢？

尽管许多人建议应等待再融资至少能带来1%的利率降幅时再行动，但这一规则并非适用于所有人。事实上，在当前利率环境下，专家表示提前进行再融资反而可能获益。

立即了解最适合您的抵押贷款方案今日可享的优惠力度。

今秋房贷再融资1%规则还适用吗？专家们这样解读。

抵押贷款再融资1%原则是一项指导性建议，它指出只有当您能够将贷款利率降低至少一个完整百分点时，才应考虑进行再融资。这一理念的核心在于：1%的利率降幅通常能产生足够的月供节省，足以抵消再融资产生的交易成本，从而使这一财务决策具备经济合理性。

然而，这一规则仅是经验之谈，并非硬性要求，且可能并不适用于所有借款人或住房市场环境。以下是专家们对于1%再融资规则今年秋季是否依然适用的看法。

当前1%利率规则是否适用取决于多种因素。对部分人而言，等待利率下降1%再 refinancing（再融资）或许是明智之举，因为再融资涉及高昂成本，且通常意味着新的长期债务承诺；而对另一些人来说，即便利率降幅较小，选择再融资也可能更具实际意义。

不过专家普遍认为，目前1%规则对大多数借款人而言并不特别适用。

格雷顿抵押贷款公司总裁兼首席执行官凯文·莱博维茨表示：“我认为1%规则并不合理。”

对多数贷款人而言，该规则是否适用取决于其抵押贷款余额的剩余金额。余额较低的借款人需要大幅降低利率（例如1%或更多），才能使再融资成本在长期看来物有所值。而余额较高的借款人则能从更小幅度的降息中获益。

威廉瑞维斯抵押贷款公司副总裁兼抵押银行家布莱恩·沙万表示：“1%法则在考虑再融资时是个实用的经验法则，但并非精确科学。对于贷款金额较大的借款人来说，即便是0.5%的利率降幅，也可能使月供发生显著变化。”

房贷还款期限的长短同样会影响决策。若你刚开始偿还房贷没几年，小幅降息可能就值得考虑。但若你已还款十年或更久，等待利率下调1%或许是明智之举，因为你需要弥补因延长还款期限而增加的额外本金和利息支出。

丘吉尔抵押贷款公司房贷专家马克·沃辛顿表示：“必须权衡再融资成本与节省的利息之间的关系。假设你的房贷还剩20年，而新贷款期限为30年，月供看似会大幅减少。但若将额外增加的120期还款纳入整体考量，可能会发现再融资的实际成本远超表面收益。”

您当前的抵押贷款利率也是关键因素。一般而言，利率越高，降低利率带来的益处就越显著。举例说明：若您有一笔30万美元的贷款，利率为8%，则当前月供约为2200美元。若将利率仅降低0.5%至7.5%，每月还款额可减少100多美元，一年下来能节省约1200美元。

这意味着近期借款者（例如2022年利率处于历史高位时申请贷款的人）将最能从小幅降息中获益。

莱博维茨表示：“基本上，过去两年内购房或进行再融资的人，现在已接近可以通过再融资‘获利’的状态。对于那些在过去几年不得不以较高利率区间获得贷款的借款人而言，利率下调将使他们获得更多收益。”

了解现在通过重新贷款抵押能为您节省多少开支。

其他不适用1%再融资规则的情况

若希望通过再融资来偿还债务，遵循1%规则同样行不通。在当前利率环境下，信用卡平均利率高达21.39%，而典型的现金再融资利率则低于7%。因此，若用于偿还信用卡债务，通过再融资可节省大量资金——甚至可能完全无需降低抵押贷款利率。

费尔韦独立抵押贷款公司分行经理杰里米·沙赫特（Jeremy Schachter）表示：“如果您通过房屋净值贷款来偿还高息债务或进行房屋翻新，即使无法将现有房贷利率降低1%，进行再融资仍然是明智之举。”

若您的房产价值有所上涨，1%规则可能也不再适用——至少对当前正在缴纳房贷保险的人来说是如此。房价上涨意味着您拥有的房屋净值随之增加。而累积的净值越多，您就越有可能通过再融资取消私人房贷保险，从而每月节省数百美元支出。

沙克特表示："如果您当初购房时办理了抵押贷款保险，而如今房产价值已上涨，那么考虑通过再融资来降低甚至取消这笔保险费用是明智之举。仅这部分节省的费用就足以成为再融资的理由。"

归根结底

归根结底，再融资会产生额外成本，因此在做出决定前务必仔细核算数据，确保节省的费用能超过支出。

沃辛顿表示：“1%法则确实有效，但前提是要对实际节省成本进行充分研究。”

若要判断此举是否划算，请用再融资的总成交成本除以更换贷款后每月节省的金额。由此可计算出达到"盈亏平衡点"所需的月数，即累计节省金额超过所支付成本的时间节点。

沙克特表示："如果收支平衡期超过三到四年，进行再融资可能就不划算了。"

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Mortgage rates have dropped quite a bit since their 7% peak at the start of the year, and if analyst predictions are correct, they may continue falling over the next couple of months as the Federal Reserve conducts more benchmark rate cuts.

So far, the recent rate drops have already spurred a flurry of refinances , with refinancing applications up 18% over just one year ago, according to the Mortgage Bankers Association. So, should you start considering a refinance soon, too?

While many have said you should wait to refinance until doing so can offer at least a 1% rate reduction, that rule isn't universal for everyone. In fact, in today's rate environment , experts say you actually may benefit from refinancing earlier.

Find out how affordable the right mortgage loan options could be today .

Does the mortgage refinancing 1% rule still apply this fall? Here's what some experts think.

The mortgage refinancing 1% rule is a guideline that suggests you should only refinance your mortgage loan if you're able to lower your interest rate by at least one full percentage point while doing so. The idea is that a 1% rate drop typically generates enough monthly savings to offset the closing costs that come with refinancing, making the move financially sound.

However, this rule is just a rule of thumb, not a hard-and-fast requirement, and it may not apply to every borrower or housing market environment. Here's what experts have to say about whether the 1% refinancing rule still applies this fall.

Whether the 1% rule works right now depends on numerous factors. For some, waiting for a 1% rate cut can be smart, as refinancing comes with lots of costs and, often, a new, long-term commitment. For others, refinancing with a much smaller rate reduction can make sense.

Largely, though, experts say the 1% rule isn't particularly relevant to most borrowers right now.

"I don't think the 1% rule makes a lot of sense," says Kevin Leibowitz, president and CEO of Grayton Mortgage.

For most borrowers, whether or not the rule applies depends on how much is remaining on their mortgage loan balance. Those with lower balances will need a significant rate reduction, like 1% or more, to make the costs of refinancing worth it over the long haul. Those with higher balances can see benefits from much smaller reductions , though.

"The 1% rule is a good rule of thumb when considering refinancing, but it's not an exact science," says Brian Shahwan, vice president and mortgage banker at William Raveis Mortgage. "Even a 0.5% reduction could make a substantial difference in monthly payments for borrowers with larger loan amounts."

How far you are into your mortgage loan term plays in, too. If you're only a few years into paying down your mortgage loan, a small rate cut can be worth it. If you've been paying down your loan for a decade or more, though, waiting for a 1% rate cut might be smart, as you'll need to make up for the additional years of payments and interest you're adding to your payoff timeline.

"You must balance the costs against the interest savings," says Mark Worthington, home loan expert at Churchill Mortgage. "If you have 20 years left on your mortgage and you get a new 30-year loan, your payment will appear to be reduced significantly. However, once you add the additional 120 payments to your overall scenario, you might find the refinance costs you more than the appearance of a benefit."

Your current mortgage rate factors in as well. Generally speaking, the higher your rate, the more a reduction can help your case . Case in point: If you have a $300,000 loan at an 8% rate, then you're currently paying about $2,200 per month. If you reduce that rate by just 0.5%, dropping your rate to 7.5%, you shave over $100 off your payment, saving you about $1,200 per year.

That means recent borrowers, like those who took out their loans since 2022, when rates have been at their highest, stand to benefit the most from even small rate cuts.

"Essentially, anyone who purchased or refinanced in the last couple of years is getting close to being 'in the money' for a refinance," Leibowitz says. "Some borrowers who had to finance more towards the higher range of rates in the last couple of years stand to reap more benefits in terms of dropping their rate."

Learn how much you could save by refinancing your mortgage loan now .

Other scenarios in which the 1% refinancing rule doesn't make sense

Following the 1% rule also doesn't work if you're looking to refinance to pay off debt . In today's rate environment, credit cards currently run an average of 21.39%, while the typical cash-out refinance rate is under 7%. So if you were paying off credit card debt, you could save a lot of money by refinancing potentially without reducing your mortgage rate at all.

"If you were taking out money from the equity of your home to pay off high-interest rate debt or a home remodel, it would make sense to refinance even if you don't shave off 1% from your current mortgage," says Jeremy Schachter, branch manager at Fairway Independent Mortgage.

If your home value has gone up a bit, the 1% rule might be moot, too, at least if you're currently paying for mortgage insurance. When home values rise, so does your equity stake in the home . And the more equity you build? The more likely it is that you can refinance and remove private mortgage insurance , shaving hundreds off your payment each month.

"If you purchased your home with mortgage insurance and home values have gone up, it would make sense to look at a refinance to lower the mortgage insurance or even eliminate it," Schachter says. "Those savings alone would make sense to do a refinance."

The bottom line

At the end of the day, refinancing comes with costs , so it's important to run the numbers and make sure the savings will outweigh your expenses before pulling the trigger.

"The 1% rule is a valid rule but only if done with proper research into the true savings," Worthington says.

To determine if the move is worth it for you, take the total closing costs of the refinance and divide it by the monthly savings that replacing your loan offers. This will tell you the number of months it will take to reach the "breakeven point," or the point at which you will have saved more than you paid.

"If the breakeven point is over three to four years, it may not make sense to do the refinance," Schachter says.

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