泛宇財經速報 貸款資訊知曉 11-7-2022
mortgage
市場周事件 ▷▷▷
目前美國平均長期抵押貸款利率回落至 7% 以下。
本週，美國平均長期抵押貸款利率回落至 7% 以下，一天前，美聯儲將基準借貸利率提高至 15 年來的最高水平，以試圖壓制四年來的高通脹。
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 7.08% 降至 6.95%。去年這個時候這個比率是3.09%。
為房屋重新貸款的人經常使用的 15 年期抵押貸款利率從上週的 6.36% 降至本週的 6.29%。一年前，這一比例為 2.35%。
週三，美聯儲今年第四次將短期貸款利率上調 0.75 個百分點，是平時利率的三倍。其關鍵利率目前處於 3.75% 至 4% 的範圍內，未來可能還會有更多漲幅。
“我們還有很長的路要走，”美聯儲主席杰羅姆鮑威爾週三表示，他暗示最近的數據表明，如果通脹繼續持續下去，官員們可能不得不將利率提高到高於他們在 9 月份預測的 4.6%。
9 月份消費者價格同比居高不下，為 6.2%，與上月持平。
本週，美國平均長期抵押貸款利率在 20 多年來首次突破 7%，再加上高昂的房價，每月抵押貸款支付增加了數百美元，從而壓垮了購房者的購買力。
由於借貸成本已經成為許多美國人已經為食品、天然氣和其他必需品支付更多費用的障礙，因此現有房屋的銷售量已經連續八個月下降。與此同時，一些房主推遲了他們的房屋上市，因為他們不想在下一次抵押貸款時跳入更高的利率。
雖然抵押貸款利率不一定反映美聯儲的加息，但它們往往會追踪 10 年期美國國債的收益率。收益率受多種因素影響，包括投資者對未來通脹的預期和全球對美國國債的需求。
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.
