泛宇財經速報 貸款資訊知曉 12-19-2022
mortgage
市場周事件 ▷▷▷
專家認為 2023 年加州的房地產價格會下降嗎？
不斷提高的抵押貸款利率和缺乏買家正在壓低房價，但目前尚不清楚房價會跌到多低。
與紐約一樣，加利福尼亞州是美國購房成本最高的州之一。
2020 年 1 月至 2022 年 6 月期間，全國房價上漲了 45%，比上一次房地產市場泡沫前上漲了 15%。同期，加州的房價上漲了 47%。
然而，這種情況似乎即將發生變化，價格已經在下降。
房價發生了什麼變化？
房屋銷售同比連續 16 個月下降。這是自 2008 年 2 月銀行危機期間以來的最低銷售額。就房價而言，平均房價中值下跌了 2.5%。價格與 2017 年 10 月的水平相似。
CAR 副總裁兼首席經濟學家 Jordan Levine 表示：“由於未決銷售量比一年前下降了 50%，我們預計未來幾個月住房需求將進一步放緩，正如我們之前預測的那樣。” “隨著利率在短期內保持高位並且季節性因素開始發揮作用，未來幾個月房價也將進一步放緩。”
San Jose-Sunnyvale-Santa Clara 是房價下跌的地區之一。就 FHFA 房價指數而言，價格與 2021 年夏季大致相同。但這仍標誌著自大流行開始以來上漲了 20%。
那麼是什麼原因造成的呢？高利率正在傷害潛在買家。根據房地美提供的數據，2022 年 12 月，同類抵押貸款的平均利率飆升至 6.5%。雖然以歷史標準衡量並不高，但相對於價格而言它們很高。如前所述，房價平均水平與五年前相同，但抵押貸款利率翻了一番多。這對許多人來說簡直是負擔不起。
《洛杉磯時報》以 760,000 美元的房子為例，首付為 20%。如果它是在 2022 年 1 月 1 日購買的，那麼每月的抵押貸款付款約為 3,500 美元。到 2023 年 1 月 1 日，由於利率變化，這可能會上升到 4,500 美元，增加 1,000 美元。
“值得注意，”加州房地產經紀人協會首席經濟學家喬丹萊文說。 “價格會下降。”
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