泛宇財經速報 貸款資訊知曉 10-10-2022
mortgage
市場周事件 ▷▷▷
根據房地美（Freddie Mac）的數據，房屋貸款的借貸成本達到 16 年來的最高水平，傳統的 30 年期抵押貸款利率在周三達到 6.7%。
自 2022 年初以來，抵押貸款利率已翻了超過一倍多。按「有效」利率衡量，抵押貸款利率現在略高於 7%，該利率考慮了貸款的復利期，因此可以更準確地了解購房者的成本，根據牛津經濟學分析。
根據貸款規模，抵押貸款利率提高一個百分點可以使房產的每月還款額增加數百美元。這些顯著增加的成本正在冷卻房地產市場。根據抵押銀行家協會的數據，9 月的最後一周抵押貸款申請下降了約 14%。
根據 NerdWallet 的數據，以 6% 的典型抵押貸款利率借款 300,000 美元，包括本金和利息在內，每月總計 1,800 美元。今年早些時候，當利率在 3.5% 左右時，同樣的貸款每月需要支付 1,350 美元。
由於抵押貸款利率飆升和房價仍然居高不下，美國的購房者今年受到了雙重打擊。房屋擁有成本的上升，讓許多原本想購房的買家，改變主意而選擇繼續租房。
經濟學家預測，隨著房價開始下跌，並且在某些房地產市場上可能進一步下跌，購房者可能會松一口氣。加利福尼亞州薩克拉門托的房地產價格；猶他州鹽湖城；和華盛頓州的西雅圖正在經歷一些最劇烈的下降。
經濟學家預計，隨著美聯儲繼續加息以降溫通脹，包括到年底再加息兩次，抵押貸款利率將保持在高位。
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.
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