泛宇財經速報 貸款資訊知曉 10-03-2022
mortgage
市場周事件 ▷▷▷
本周美國平均長期抵押貸款利率連續第六周上漲，創下 15 年來新高，這個現象預告了接下來房地產市場可能崩盤並發生大衰退。
抵押貸款買家房地美周四報告稱，關鍵的 30 年期平均利率從上周的 6.29% 攀升至 6.70%。相比之下，一年前該比率為 3.01%。
許多重新貸款的人都會考慮的15 年期固定利率抵押貸款的平均利率從上周的 5.44% 躍升至 5.96%。
目前房貸利率已漲了一倍多，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，潛在購房者的可拿到的房貸利率遠低於 3%。
房地美指出，對於典型的抵押貸款金額，在過去一年中鎖定在每周利率範圍上限的借款人將比鎖定在該范圍下限的借款人多支付數百美元。
上周，美聯儲將基準借款利率再上調四分之三點，為了限制經濟，這是今年第五次上調，連續第三次上調 0.75 個百分點。
美聯儲升息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，現房屋銷售量已連續七個月下降。
政府周四報告稱，受消費者價格飆升和利率上升的打擊，美國經濟從 4 月到 6 月以每年 0.6% 的速度萎縮。這和之前對第二季度的估計沒有變化。
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。
抵押貸款利率不一定反映美聯儲的加息，但往往會跟蹤 10 年期美國國債的收益率。這受到多種因素的影響。
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.
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