泛宇財經速報 貸款資訊知曉 10-17-2022
mortgage
市場周事件 ▷▷▷
美國平均長期抵押貸款利率再上漲四分之一個百分點。
本周美國平均長期抵押貸款利率達到了二十多年來的最高水平，並且可能會進一步攀升，因為美聯儲警告為對抗通脹，非常可能會進一步加息。
美國長期平均抵押貸款利率本周達到了二十多年來的最高水平，並且可能會進一步攀升，因為美聯儲發出了警告，稱由於央行將繼續努力打擊通脹，對抗高物價的鬥爭。
抵押貸款買家房地美週四報告稱，關鍵的 30 年期平均利率從上週的 6.66% 攀升至 6.92%。去年這個時候，這個比率是3.05%。
15 年期固定利率抵押貸款的平均利率從上週的 5.9% 升至 6.09%，這是自 2008 年房地產市場崩盤以來首次突破 6%。一年前，15年利率為2.3%。
由於今年平均抵押貸款利率翻了一倍多，許多潛在買家已被趕出市場。
上月底，美聯儲將基準借款利率再上調四分之三點，以抑制經濟和抑制通脹，這是今年以來第五次上調，連續第三次上調 0.75 個百分點。
到目前為止，幾乎沒有證據表明美聯儲的策略正在奏效。
政府週四發布的另一份報告顯示，消費者通脹率仍處於 8.2% 的高位。結合週三公佈的 8.5% 的批發通脹率，大多數經濟學家預計美聯儲在 11 月初開會時會再次大幅上漲。
美聯儲的激進行動已經讓房地產市場冷卻下來，在新冠疫情流行之外，原本火熱的房市景況瞬間冷卻，由於借貸成本上升，導致更多人買不起房，現房銷售量已連續七個月下降。
Freddie Mac 表示，對於典型的抵押貸款，在過去一年拿到較高房貸利率的的借款人將比拿到較低房貸利率的借款人多支付數百美元。
抵押貸款利率不一定反映美聯儲的加息，但往往會跟踪 10 年期美國國債的收益率。這受到多種因素的影響，包括投資者對未來通脹的預期和全球對美國國債的需求。
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。
儘管就業市場依然強勁，但政府估計美國經濟在截至 6 月的第二季度以 0.6% 的年率萎縮。
Today’s Rate
Daily rate based on: SFR/Primary/LTV60/FICO 780/Purchase
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