Ben Eisen
speaker
1,467 appearances
35 recordings
1 series
first heard Jul 2017
last heard Nov 2024
Ben Eisen’s voice in public audio — every appearance, attributed to the second.
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Appearances
If you buy a house, the mortgage costs are just going to be a bigger part of your monthly budget.
I spoke with one real estate agent in Washington, D.C., and he told me that his buyers are just less focused on the specific rate than they were.
And instead, they're more focused on what is the overall monthly cost that I'm comfortable with, that being the cost of the principal plus the interest.
Thanks for having me.
that can be a big difference for somebody.
We all know that interest rates are rising a lot these days, but that translates into much higher expenses on a monthly basis for someone who's taking out a loan.
A credit union is sort of an alternative financial institution.
It is a not-for-profit cooperative.
It's owned by its members.
It doesn't pay federal income taxes.
In recent years, they've really grown very rapidly.
And in some corners of consumer finance, they're going toe-to-toe with banks.
And you're really seeing that in the auto lending market.
People are often attracted to credit unions because they funnel the profits back to their members rather than giving them to shareholders.
They come in the form of lower interest rates for the borrower.
So credit unions kind of always tend to offer lower interest rates than banks, but that difference has grown a lot.
It's the widest it's been in at least half a decade.
On a used car in the third quarter, the average rate charged by a credit union was 5.94% compared to 8.36% for banks.
And for new cars, credit unions were at 4.43% versus banks at 6.06%.
That can be a big difference for somebody.
Showing 261–280 of 1,467 · page 14 of 74
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