BEIJING-China’s central bank adjusted interest-rate mechanisms Sunday for the second time this month, this time focused on mortgage loans, in what it said was a bid to price them closer to market.
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A note about mortgage points: One way to get the best mortgage rates is to pay "points," or upfront interest paid to the bank that secures a lower long-term interest rate on your home loan. One point generally costs 1% of the total loan amount, so paying 1 point on a $200,000 mortgage would add $2,000 in upfront costs.
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