平均抵押贷款利率已连续7周上升
30年期房屋贷款基准利率的平均利率连续第七周上涨，这为美国人置业设置了越来越高的门槛。
房地美（Freddie Mac）上周四表示，30年期固定抵押贷款利率为7.79%，高于前一周的7.63%。一年前的这一利率为7.08%。
随着抵押贷款利率的上升，借款人每月可能会增加数百美元的成本，（对许多美国人来说，房产市场已经遥不可及），从而进一步限制了他们的承受能力。此外，当时房主锁定了很低的利率（两年前抵押贷款利率约为3%），因此抵押贷款利率的上升也阻碍了他们出售房屋。
美国抵押贷款银行家协会（Mortgage Bankers Association）的数据显示，9月份全美抵押贷款还款额中值为2155美元，较上年同期增长11%，即214美元。
美国9月成屋销售连续第四个月下滑，增速降至逾10年来的最低水平。
15年期贷款利率从6.92%升至7.03%。一年前，这种深受房主欢迎的住房贷款利率为6.36%。
房地美首席经济学家萨姆·卡特表示：“购房活动已放缓至近乎停滞，对许多人来说，负担能力仍是重大障碍，而解决这一问题的唯一途径是降低利率和增加库存。”
高利率限制了新抵押贷款的申请。上周三，美国抵押贷款银行家协会报告称，新贷款申请降至1995年以来的最低水平。与此同时，可调利率抵押贷款的申请比例升至9.5%，为去年11月以来的最高水平。
贷款买房成本的飙升已经扭曲了美国的房地产市场。
两年前的这个时候，数以百万计的人以3%或更低的利率锁定抵押贷款，如今，由于住房融资成本相对较高，他们负担不起或拒绝搬家。
美国房地产经纪人协会（National Association of Realtors）报告称，成屋销售不仅连续第四个月下降，而且销售速度也降至十多年来的最低水平。
与此同时，新屋的销售速度却继续令经济学家感到震惊，原因恰恰相反。
上个月新屋销售量跃升至75.9万套，比预期多出约7.9万套，潜在买家涌入了唯一有房可售的市场——那些刚刚建成的房屋。
联信银行（Comerica）首席经济学家比尔·亚当斯说：“房屋建筑商向购房者提供‘利率买断’优惠，从而将需求引向新建住宅市场。他们还在缩小户型，以提高可负担性。”
亚当斯说，房屋建筑商是美联储试图通过加息来抑制通胀过程中杀出的“黑马”。
抵押贷款利率一直在与美国10年期国债收益率一起攀升，而贷款机构将美国10年期国债收益率作为贷款定价的指导指标。投资者对未来通胀的预期、全球对美国国债的需求以及美联储的利率政策都可能影响住房贷款利率。
长期加息的威胁将美国国债收益率推高至10多年来的最高水平。上周早些时候，美国10年期国债收益率触及5%，上周四午盘报4.89%。5月份的收益率约为3.50%，疫情初期的收益率仅为0.50%。（财富中文网）
译者：中慧言-王芳
30年期房屋贷款基准利率的平均利率连续第七周上涨，这为美国人置业设置了越来越高的门槛。
房地美（Freddie Mac）上周四表示，30年期固定抵押贷款利率为7.79%，高于前一周的7.63%。一年前的这一利率为7.08%。
随着抵押贷款利率的上升，借款人每月可能会增加数百美元的成本，（对许多美国人来说，房产市场已经遥不可及），从而进一步限制了他们的承受能力。此外，当时房主锁定了很低的利率（两年前抵押贷款利率约为3%），因此抵押贷款利率的上升也阻碍了他们出售房屋。
美国抵押贷款银行家协会（Mortgage Bankers Association）的数据显示，9月份全美抵押贷款还款额中值为2155美元，较上年同期增长11%，即214美元。
美国9月成屋销售连续第四个月下滑，增速降至逾10年来的最低水平。
15年期贷款利率从6.92%升至7.03%。一年前，这种深受房主欢迎的住房贷款利率为6.36%。
房地美首席经济学家萨姆·卡特表示：“购房活动已放缓至近乎停滞，对许多人来说，负担能力仍是重大障碍，而解决这一问题的唯一途径是降低利率和增加库存。”
高利率限制了新抵押贷款的申请。上周三，美国抵押贷款银行家协会报告称，新贷款申请降至1995年以来的最低水平。与此同时，可调利率抵押贷款的申请比例升至9.5%，为去年11月以来的最高水平。
贷款买房成本的飙升已经扭曲了美国的房地产市场。
两年前的这个时候，数以百万计的人以3%或更低的利率锁定抵押贷款，如今，由于住房融资成本相对较高，他们负担不起或拒绝搬家。
美国房地产经纪人协会（National Association of Realtors）报告称，成屋销售不仅连续第四个月下降，而且销售速度也降至十多年来的最低水平。
与此同时，新屋的销售速度却继续令经济学家感到震惊，原因恰恰相反。
上个月新屋销售量跃升至75.9万套，比预期多出约7.9万套，潜在买家涌入了唯一有房可售的市场——那些刚刚建成的房屋。
联信银行（Comerica）首席经济学家比尔·亚当斯说：“房屋建筑商向购房者提供‘利率买断’优惠，从而将需求引向新建住宅市场。他们还在缩小户型，以提高可负担性。”
亚当斯说，房屋建筑商是美联储试图通过加息来抑制通胀过程中杀出的“黑马”。
抵押贷款利率一直在与美国10年期国债收益率一起攀升，而贷款机构将美国10年期国债收益率作为贷款定价的指导指标。投资者对未来通胀的预期、全球对美国国债的需求以及美联储的利率政策都可能影响住房贷款利率。
长期加息的威胁将美国国债收益率推高至10多年来的最高水平。上周早些时候，美国10年期国债收益率触及5%，上周四午盘报4.89%。5月份的收益率约为3.50%，疫情初期的收益率仅为0.50%。（财富中文网）
译者：中慧言-王芳
The average rate on the benchmark 30-year home loan rose for the seventh straight week, creating an increasingly high bar to home ownership for Americans.
The rate on the 30-year fixed mortgage is at 7.79%, up from 7.63% last week, Freddie Mac said Thursday. A year ago the rate was 7.08%.
As mortgage rates rise, they can add hundreds of dollars a month in costs for borrowers, limiting how much they can afford in a market already out of reach for many Americans. They also discourage homeowners who locked in far low rates two years ago, when they were around 3%, from selling.
The national median mortgage payment was $2,155 in September, up 11%, or $214, from a year ago, according to the Mortgage Bankers Association.
Sales of previously occupied U.S. homes in September fell for the fourth month in a row, grinding to their slowest pace in more than a decade.
The rate on the 15-year loan rose to 7.03% from 6.92%. A year ago the rate on the loan, which is popular with homeowners their home loan, was at 6.36%.
“Purchase activity has slowed to a virtual standstill, affordability remains a significant hurdle for many and the only way to address it is lower rates and greater inventory,” said Freddie Mac chief economist Sam Khater.
The high rates are limiting applications for new mortgages. Wednesday the MBA reported that applications for new loans dipped to the slowest weekly pace since 1995. Meanwhile, the share of applications for adjustable rate mortgages rose to 9.5%, the higher since November.
The soaring cost of borrowing money for a home has skewed the U.S. housing market.
Millions of people who locked in mortgages at this time two years ago at 3% or below cannot afford to, or refuse to move, due to the comparative cost of financing a home today.
Last week, the National Association of Realtors reported that sales of existing homes not only fell for the fourth consecutive month, but the pace of sales has ground to the slowest pace in more than a decade.
At the same time the pace of new home sales continue to astound economists for the opposite reason.
New home sales in last month jumped to 759,000, about 79,000 more than had been expected with prospective buyer flooding the only market where homes are available – those that were just built.
“Homebuilders are offering buyers interest rate buydown incentives that funnel demand into the newly-built segment,” said Bill Adams, chief economist at Comerica. “They are also shrinking floorplans to boost affordability.”
Adams says home builders are the “surprise winner” of attempts by the Federal Reserve to cool inflation through interest rate hikes.
Mortgage rates have been climbing along with the 10-year Treasury yield, which lenders use as a guide to pricing loans. Investors’ expectations for future inflation, global demand for U.S. Treasurys and what the Fed does with interest rates can influence rates on home loans.
The threat of higher rates for longer pushed Treasury yields this week to their highest levels in more than a decade. The 10-year Treasury yield hit 5% earlier this week and was at 4.89% in midday trading Thursday. It was at roughly 3.50% in May and just 0.50% early in the pandemic.
