Prefab Home Loan Interest Rates
Compare current rates for prefab and modular home financing. Updated daily based on market conditions.
Rates by Credit Score
| Credit Score | 15-Year Fixed | 25-Year Tokenized | 30-Year Fixed | APR |
|---|---|---|---|---|
760-850 Excellent | 4.50% | 4.75% | 5.25% | 4.85% - 5.35% |
700-759 Very Good | 4.85% | 5.10% | 5.65% | 5.20% - 5.75% |
680-699 Good | 5.25% | 5.50% | 6.10% | 5.60% - 6.20% |
660-679 Fair | 5.75% | 6.00% | 6.65% | 6.10% - 6.75% |
620-659 Near-Prime | Not available | 6.75% | 7.50% | 7.10% - 7.60% |
580-619 Subprime | Not available | 7.50% | Limited availability | 7.85% - 8.50% |
* Rates assume 20% down payment, owner-occupied primary residence, and full documentation. Actual rates may vary based on property location, manufacturer, and additional underwriting factors.
What Affects Your Rate?
Credit Score
Most significant factor. Each 20-point improvement can reduce your rate by ~0.25%.
Down Payment
Larger down payment = lower risk = better rate. Every 5% over 20% saves ~0.10%.
Loan Term
Shorter terms have lower rates. 15-year loans typically 0.5-0.75% lower than 30-year.
Property Type
Owner-occupied primary residences get best rates. Second homes +0.25%, investment +0.75%.
Location
Western EU countries typically have better rates due to lower perceived risk.
Energy Efficiency
Energy-efficient homes (A+ rating) may qualify for "green loan" discounts up to 0.25%.
Recent Rate Trends
Q4 2024 - Q1 2025: Prefab loan rates have stabilized after ECB rate holds. Average rates for qualified borrowers remain in the 4.5-6.5% range, with tokenized options consistently outperforming traditional bank rates by 0.5-1.5%.
📈 Market Outlook
Analysts expect rates to remain relatively stable through H1 2025. The tokenization advantage is increasing as more DeFi capital enters the RWA space, putting downward pressure on rates for blockchain-backed loans.
Best time to lock: If you're shopping for a prefab loan, current rates are favorable compared to 2023 highs. Consider locking if you find a rate below 5.5% for a 25-30 year term with good credit.
Rate FAQs
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