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美国房产市场重大利好:抵押贷款再融资需求飙升16%,利率降至一年多以来最低水平

FX1682024年8月7日 14:49
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FX168财经报社(北美)讯 美国上周抵押贷款利率降至自2023年5月以来的最低水平,导致购房者和现有房主的抵押贷款需求激增。#2024年下半年市场展望#

根据抵押贷款银行家协会(MBA)季节性调整后的指数,上周抵押贷款申请总量较前一周上涨了6.9%,申请量达到了今年1月以来的最高水平。

30年期固定利率抵押贷款的平均合同利率(符合贷款余额标准的贷款,金额为76.655万美元或以下)从6.82%降至6.55%,同时,含有原始费用的点数从0.62降至0.58(以20%首付为准)。

MBA副总裁兼副首席经济学家乔尔·坎(Joel Kan)在发布中表示:“上周抵押贷款利率全面下降,原因是美联储发布了鸽派言论,且就业报告疲软,这加剧了对经济可能比预期更快速放缓的担忧。”

对房贷再融资的申请——对每周利率变化最为敏感——在本周激增了16%,比去年同周高出59%。尽管这一增幅很大,但仍然基于非常小的基数。目前,绝大多数借款人的贷款利率低于5%。只有不到100万名借款人可以通过再融资获益,并将当前利率降低至少75个基点。

购房贷款的申请量仅增长了1%,但仍比去年同周低了11%。

坎补充说:“尽管利率有所下降,但购房活动仅有小幅增长,传统购房申请的增加被政府购房申请的减少所抵消。部分地区的在售库存开始逐渐增加,考虑到未来可能会有更低利率,购房者可能在等待进入市场的时机。”

随着周一股市大跌,本周抵押贷款利率进一步下滑。然而,周二在一些较为积极的经济数据发布后,利率再次急剧上升。

抵押贷款新闻每日网(Mortgage News Daily)首席运营官马修·格雷厄姆(Matthew Graham)写道:“当债券市场迫使利率迅速达到极端水平时,事情往往是这样的。例如,许多最大幅度的日常抵押贷款利率跌幅跟随了对长期高点的快速移动。”

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