泛宇財經速報 貸款資訊知曉 12-05-2022
mortgage
市場周事件 ▷▷▷
加州購房者在今天的市場上收緊他們的荷包
購房者繼續按下加州房地產市場的暫停鍵。
儘管房價現在全面回落——這對之前被高房價拒之門外的購房者來說是個鼓舞人心的消息——但這種下滑伴隨著一個重大問題。
2022 年，隨著抵押貸款利率的上升，加州人的購買力大幅下降。2022 年第三季度收入與去年同期相同的潛在購房者，僅由於利率上升，購買輔助抵押貸款資金就會減少 31.3%。
在購房者受到固定收入和債券市場對抵押貸款利率影響的限制的情況下，一方在買家、賣家和貸方（賣家）三方之間保持靈活。
因此，賣家需要解決上市價格上漲的根本問題，才能實現持平——而賣家才剛剛開始意識到這一點。
高利率和人們對未宣佈的經濟衰退的認知不斷加深，共同壓低了價格。這反映在高於最終掛牌價的部分房屋出售裡。 2022 年 10 月，掛牌房屋售出率從一年前的 59% 降至僅 33%。
賣家正在努力吸引買家，降價是將標價定得太高的賣家的自然反應。根據 Redfin 的數據，2022 年 10 月，賣家降價的比例上升至 36%，比去年同期的 18% 翻了一倍。
雖然降價帶來了有希望的購買動力，但購房者需要再次按下暫停鍵。房價繼續下跌。合理的購房者最好等到價格明顯觸底後再進入房地產市場。
關於房市未來
加州收緊的房地產市場將進一步收緊。
潛在購房者的最佳選擇——等待持續的房價下跌。
按照房價暴跌的速度，當任何以低首付抵押貸款購買的購房者達成購買協議並完成過戶時，他們的房產價值將跌至水平下。這些房主更有可能拖欠抵押貸款，使他們直接走向止贖出售——除非他們能夠與貸方協商賣空。
隨著未宣布的經濟衰退將房地產市場推向買方市場，未來幾年有大量機會在等待耐心的購房者。第一個星期二的預測顯示未來幾年房價會下降，並在 2025 年觸底。
推遲購買而到那時才購買房屋，這些購房者將能夠以最低價格找到房屋。
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.
