美国抵押贷款利率再度暴跌
美国30年期固定抵押贷款的利率已经降至72天以来的最低水平，降幅超过三分之一个百分点。
据《抵押贷款新闻日报》（Mortgage News Daily）报道，目前30年期贷款的平均利率为3.10%。自2月22日以来，利率首次达到这一水平。与此同时，房地美公司（Freddie Mac）称，截至4月29日当周的30年期贷款利率为2.98%。
虽然30年期贷款利率显著下降，但与2.75%的52周低点相比，仍然有明显差距。
据《抵押贷款新闻日报》报道，目前15年期固定利率抵押贷款的平均利率为2.52%，更加接近其2.25%的52周低点。过去一年以来，15年期平均利率已经飙升3.03%。
与此同时，《抵押贷款新闻日报》报道称，30年期大额固定抵押贷款的平均利率下降至3.15%——仅比其52周低点高出0.04%。
虽然划算的抵押贷款利率是很好，但目前真正的秘诀其实在于寻找房源。如今的房源常常在数小时之内就被抢售一空。过去一年以来，平均房价上涨了16%。
建造一座新房子？由于木材短缺，预计建房成本将上升。目前新建房屋的平均价格比新冠疫情前高出24,000美元。
虽然利率有所下降，但人们并没有像几个月前那样，迫切地急于进行再融资或安排新的抵押贷款。根据抵押贷款银行家协会（Mortgage Bankers Association）的每周抵押贷款申请调查（Weekly Mortgage Applications Survey），抵押贷款的申请数量相较于一周前减少了0.9%。
抵押贷款银行家协会负责经济与行业预测的助理副总裁乔尔·卡恩说：“房屋库存偏少而需求旺盛导致竞争激烈的购房市场价格上涨、贷款活动减少。价格上涨还影响了贷款组合，余额高于平均水平的购房贷款增长更为强劲。”（财富中文网）
翻译：郝秀
审校：汪皓
美国30年期固定抵押贷款的利率已经降至72天以来的最低水平，降幅超过三分之一个百分点。
据《抵押贷款新闻日报》（Mortgage News Daily）报道，目前30年期贷款的平均利率为3.10%。自2月22日以来，利率首次达到这一水平。与此同时，房地美公司（Freddie Mac）称，截至4月29日当周的30年期贷款利率为2.98%。
虽然30年期贷款利率显著下降，但与2.75%的52周低点相比，仍然有明显差距。
据《抵押贷款新闻日报》报道，目前15年期固定利率抵押贷款的平均利率为2.52%，更加接近其2.25%的52周低点。过去一年以来，15年期平均利率已经飙升3.03%。
与此同时，《抵押贷款新闻日报》报道称，30年期大额固定抵押贷款的平均利率下降至3.15%——仅比其52周低点高出0.04%。
虽然划算的抵押贷款利率是很好，但目前真正的秘诀其实在于寻找房源。如今的房源常常在数小时之内就被抢售一空。过去一年以来，平均房价上涨了16%。
建造一座新房子？由于木材短缺，预计建房成本将上升。目前新建房屋的平均价格比新冠疫情前高出24,000美元。
虽然利率有所下降，但人们并没有像几个月前那样，迫切地急于进行再融资或安排新的抵押贷款。根据抵押贷款银行家协会（Mortgage Bankers Association）的每周抵押贷款申请调查（Weekly Mortgage Applications Survey），抵押贷款的申请数量相较于一周前减少了0.9%。
抵押贷款银行家协会负责经济与行业预测的助理副总裁乔尔·卡恩说：“房屋库存偏少而需求旺盛导致竞争激烈的购房市场价格上涨、贷款活动减少。价格上涨还影响了贷款组合，余额高于平均水平的购房贷款增长更为强劲。”（财富中文网）
翻译：郝秀
审校：汪皓
The rate for a 30-year fixed mortgage has dropped to its lowest rate in 72 days—and fallen more than a third of a percentage point.
The average 30-year loan now carries a 3.10% interest rate, according to Mortgage News Daily (MND). That’s a rate it hasn’t seen since Feb. 22. Freddie Mac, meanwhile, puts the 30-year loan at 2.98% for the week ending April 29.
While it’s a notable decline, the 30-year rate is still a notable distance from its 52-week low of 2.75%.
The average for a 15-year fixed-rate mortgage now stands at 2.52%, a bit closer to its 52-week low of 2.25%, MND reports. In the past year, average 15-year rates have surged as high as 3.03%.
Meanwhile, the rate for a jumbo 30-year fixed is down to 3.15% on average, MND reports—just 0.04% higher than its 52-week low.
A good mortgage rate is nice, but the real trick these days is actually finding a home. Listings today often are snatched up in hours. And the average price of a house is up 16% in the past year.
Building a new home? Expect the cost to go up thanks to lumber shortages. New-construction homes now cost an average of $24,000 more than they did pre-pandemic.
Despite the lower rates, people aren’t rushing to refinance or arrange new mortgages quite as fervently as they were a few months ago. Mortgage applications decreased 0.9% from one week earlier, according to the Mortgage Bankers Association's (MBA) Weekly Mortgage Applications Survey.
“The competitive purchase market, driven by low housing inventory and high demand, is pushing prices higher and weighing down on activity,” said Joel Kan, MBA’s associate vice president of economic and industry forecasting. “The higher prices are also affecting the mix of activity, with stronger growth in purchase loans with larger-than-average balances."
