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That only works if rates go down. Most people won’t sell a house worth N financed at 2.5% to buy a new house worth N at 6%.

California’s prop 13 was found to have this effect. So too will the prior low mortgage interest rates.



That doesn't seem quite right. If you're moving up, your decision to buy will primarily be based on affordability, even if the old house had a better interest rate. And in a high-interest environment, house prices become lower and partially offset the extra interest expense, so affordability hasn't changed all that much.

Prop 13 has a big effect but more so in downsizing (eg empty nest / retirement) than in upsizing.




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