如果你曾经购买过一套房子，你就知道节省一笔可观的首付是多么重要，以便从你选择的银行或信用社获得尽可能好的抵押贷款，并尽可能吸引卖家。据房地产专家迈克尔科贝特，20%的首付是最好的平衡之间的努力需要节省它和爆炸为您的首付美元。这就是原因。

Corbett在Trulia撰文指出，在房地产市场低迷之前，人们已经习惯于以10%的首付买房，甚至如果他们有资格获得全价贷款，就根本不需要首付，现在情况开始好转（至少对购房者来说），是时候重申20%的规定到底有多重要了。他列举了7个原因，说明为什么你愿意花20%的价格区间是重要的，但这里有几个我们认为特别令人痛心的原因：

• Skin in the game-Twenty percent has been the norm forever. It really serves to ensure that the homebuyer has "skin in the game" and is financially viable for the homeownership resp***ibility.
• Smaller monthly mortgage payment-More money down means you borrow less, which means you will have a **aller mortgage, which means you will have a **aller, more affordable mortgage payment.
• Lower interest rate-The interest charged on a loan with 20 percent down is often lower than the interest on a loan with less money down. Your lower interest rate will save you thousands if not tens of thousands of dollars over the life of the loan.

这些是最基本的，但他也指出，省下那么多钱，你马上就能拥有房子的权益，并帮助你避免私人抵押贷款保险，这可能是一个昂贵的保险费附加到你的每月付款，所有这些都是节省钱的好理由。你怎么认为？如果你买了房子，你付了多少钱？是20%的杀伤力吗？请在下面的评论中告诉我们您的想法。

通过消费主义者降低20%的七个理由

霍华德湖摄。