泛宇財經速報 貸款資訊知曉 09-26-2022
mortgage
市場周事件 ▷▷▷
由於美聯儲加緊努力遏制數十年來的高通脹並為經濟降溫，本周美國平均長期抵押貸款利率上漲逾 25 個百分點至 2008 年以來的最高水平。
抵押貸款買家房地美週四報告稱，30 年期利率從上週的 6.02% 攀升至 6.29%。這是自 2008 年 10 月房地產市場崩盤引發大衰退以來的最高水平。
在 2022 年翻了一番多之後，快速上升的抵押貸款利率可能會讓更多的購房者靠邊站。去年，潛在購房者的利率遠低於 3%。
週三，美聯儲將基準借款利率再上調四分之三，以限制經濟，這是今年以來的第五次加息，也是連續第三次加息 0.75 個百分點。
美聯儲行動的影響或許在房地產領域最為明顯。由於借貸成本上升，導致更多人買不起房，現房銷售已連續七個月下降。
全國房地產經紀人協會周三表示，上個月的現房銷售量較 7 月下降 0.4%，經季節性調整後的年率為 480 萬套。
銷售額比去年 8 月下降 19.9%，目前處於大流行初期 2020 年 5 月以來的最低年增長率。
8 月份全國房價中值同比上漲 7.7% 至 389,500 美元。隨著房地產市場降溫，房價在今年早些時候每年飆升約 20% 後，一直以較為溫和的速度上漲。在大流行之前，房價中位數每年上漲約 5%。
房地產經紀公司 Redfin 發現，在截至 9 月 11 日的四個星期內，房屋掛牌量同比下降 19%，是自 2020 年 5 月以來的最大降幅。
許多潛在的購房者選擇退出市場，因為較高的利率會使每月的抵押貸款支付增加數百美元。另一方面，許多房主不願出售，因為他們可能被鎖定在比下一次抵押貸款低得多的利率。
美聯儲周三的舉措將影響許多消費者和企業貸款的基準短期利率提高至 3% 至 3.25% 的範圍，為 2008 年初以來的最高水平。
美聯儲官員預測，他們將在年底前將基準利率進一步提高至約 4.4%，比他們最近在 6 月份的預期高出一個百分點。他們預計明年將再次提高利率，至 4.6% 左右。這將是自2007年以來的最高水平。
通過提高借貸利率，美聯儲提高了抵押貸款和汽車或商業貸款的成本。然後，消費者和企業可能會減少借貸和支出，從而冷卻經濟並減緩通貨膨脹。
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.
