泛宇財經速報 貸款資訊知曉 09-19-2022
mortgage
市場周事件 ▷▷▷
美國抵押貸款利率自2008年以來首次突破6%。
抵押銀行家協會 (MBA) 周三的數據顯示，美國最受歡迎的住房貸款的平均利率自 2008 年以來首次升至6%以上，現在是一年前水平的兩倍多。
隨著美聯儲大力提高借貸成本以抑制高通脹，不斷上升的抵押貸款利率對利率敏感的房地產行業造成越來越大的壓力。自3月以來，央行已將基準隔夜拆借利率上調225個基點。
自今年年初以來，對美聯儲收緊政策的預期導致美國國債收益率飆升。10年期票據的收益率作為抵押貸款利率的基準。
截至9月9日當周，30年期固定利率抵押貸款的平均合同利率上升7個基點至6.01%，這是自金融危機和大衰退結束以來的最高水平。
MBA還表示，衡量抵押貸款申請量的市場綜合指數較一周前下降1.2%，目前較一年前下降 64.0%。其再融資指數較前一周下跌4.2%，與一年前相比下跌83.3%。
周二公布的關鍵通脹數據差於預期，強化了美聯儲將被迫在下周的政策會議上連續第三次加息75 個基點的預期，投資者現在預計美聯儲將不得不加快加息步伐並且比之前想像的更進一步。
整個房地產行業都感受到了更高利率的影響。7月份新屋銷售跌至6-1/2年低點，而房屋轉售和單戶住宅開工量則處於兩年低點。但在經濟適用房嚴重短缺的情況下，房價仍處於高位，這使得房地產市場不太可能崩潰。
Today’s Rate
Daily rate based on: SFR/Primary/LTV60/FICO 780/Purchase
IMPORTANT: Advertised rates were valid and effective as of the date reflected above, are for informational purposes only, and are subject to change without notice.
Loans are subject to credit and collateral approval. Advertised rates are based on a set of loan assumptions including a borrower with excellent credit history and optimal loan characteristics. Your final interest rate and annual percentage rate (APR) may differ depending on your individual transaction’s specific characteristics, and certain products may not be available for your situation. Several determining factors include, but are not limited to, the state of the property location, loan amount, documentation type, loan type, occupancy type, property type, loan to value, and credit score.
APR reflects the cost of credit over the term of the loan expressed as an annual rate. For mortgage loans, APR may include the interest rate, discount points (also referred to as “points”), and other charges or fees (such as mortgage insurance and origination fees), but does not necessarily take into account other loan-specific finance charges you may be required to pay.
Golden Star, Inc. dba Transglobal Lending, 185 W. Chestnut Ave., Monrovia, CA 91016, NMLS # 1437002 (www.transgloballending.com). All rights reserved. Equal Opportunity Employer and Equal Housing Lender. All mortgage products are subject to credit property approval. Rates, Program terms and conditions are subject to change without notice. Additional conditions, qualifications, and restrictions may apply. This is not an offer for extension of credit or a commitment to lend.
