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2022-09-16

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Tightening expectations are rising again! U.S. mortgage interest rate exceeds 6% mark for the first time since 2008

高涨的房贷利率严重挤压房地产贷款需求，更多的购房者开始持币观望。伴随着美联储政策持续收紧，美国最受欢迎的住房贷款平均利率自2008年以来首次升至6%以上。抵押贷款银行家协会（MBA）数据显示，截至9月

Tightening expectations are rising again! U.S. mortgage interest rate exceeds 6% mark for the first time since 2008

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U.S. mortgage interest rate exceeds 6% mark for the first time since 2008","url":"https://stock-news.laohu8.com/highlight/detail?id=2267068823","media":"华尔街见闻","summary":"高涨的房贷利率严重挤压房地产贷款需求，更多的购房者开始持币观望。伴随着美联储政策持续收紧，美国最受欢迎的住房贷款平均利率自2008年以来首次升至6%以上。抵押贷款银行家协会（MBA）数据显示，截至9月","content":"<p><html><head></head><body>The rising mortgage interest rate has severely squeezed the demand for real estate loans, and more property buyers have begun to wait and see. As the Federal Reserve continues to tighten policy, the average interest rate on the most popular home loan in the United States rose above 6% for the first time since 2008.</p><p>According to data from the Mortgage Bankers Association (MBA), the 30-year fixed mortgage interest rate in the United States rose to 6.01% in the week ending September 9, breaking the 6% mark for the first time since 2008 and twice that of the same period last year.</p><p><img src=\"https://static.tigerbbs.com/1d221eff5a83aecbb6996b21f7f45d5a\" tg-width=\"550\" tg-height=\"344\" referrerpolicy=\"no-referrer\" width=\"100%\" height=\"auto\"/></p><p><b>Soaring mortgage interest rates have severely squeezed the demand for real estate loans.</b>Mortgage home purchase applications fell 29% for the week ending Sept. 9 compared to the same period in 2021. The Market Composite Index, which measures mortgage applications, fell 1.2% from the previous week. The MBA Refinance Index is down 4% from the previous week and 83% from the same period last year. Joel Kan, the MBA's vice president of economic and industry forecasting, said,<b>Rising mortgage rates are causing more homebuyers to sit on the sidelines.</b></p><p>As the Federal Reserve continues to raise interest rates, the entire U.S. real estate industry is affected by higher interest rates. Previous data showed that new home sales in the United States in July were 12.6% higher than the previous month, which was significantly lower than the expected 2.5% decline. New home sales fell month-on-month in six of the past seven months. Sales shrank to their lowest level in six and a half years.</p><p><img src=\"https://static.tigerbbs.com/6f3a07a596f24e18a871d1e6cc1b627a\" tg-width=\"550\" tg-height=\"290\" referrerpolicy=\"no-referrer\" width=\"100%\" height=\"auto\"/></p><p>While sales were sluggish, new home inventories in the United States were high. As of the end of July, there were 464,000 new homes for sale, the most since 2008. At the current pace of sales, it will take 10.9 months to empty the supply of new homes, the highest inventory-to-sales ratio since March 2009 and almost double that at the beginning of the year.</p><p><img src=\"https://static.tigerbbs.com/5da9e4aaf175e9be328df0ab07033077\" tg-width=\"550\" tg-height=\"301\" referrerpolicy=\"no-referrer\" width=\"100%\" height=\"auto\"/></p><p>Although the new home market only accounts for 10% of the U.S. property market, the sales of new homes are calculated according to the data at the time of signing the purchase contract, which is different from the sales of existing homes after signing the contract and then included in the statistics, so it is regarded as the leading indicator of the U.S. property market.<b>Some market analysts believe that in view of the plunge in housing mortgage loan applications, new home sales are expected to fall further in the future.</b></p><p></body></html></p>","source":"wallstreetcn_api","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Tightening expectations are rising again! U.S. mortgage interest rate exceeds 6% mark for the first time since 2008</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 12.5px; color: #7E829C; margin: 0;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nTightening expectations are rising again! U.S. mortgage interest rate exceeds 6% mark for the first time since 2008\n</h2>\n<h4 class=\"meta\">\n<p class=\"head\">\n<strong class=\"h-name small\">华尔街见闻</strong><span class=\"h-time small\">2022-09-15 23:12</span>\n</p>\n</h4>\n</header>\n<article>\n<p><html><head></head><body>The rising mortgage interest rate has severely squeezed the demand for real estate loans, and more property buyers have begun to wait and see. As the Federal Reserve continues to tighten policy, the average interest rate on the most popular home loan in the United States rose above 6% for the first time since 2008.</p><p>According to data from the Mortgage Bankers Association (MBA), the 30-year fixed mortgage interest rate in the United States rose to 6.01% in the week ending September 9, breaking the 6% mark for the first time since 2008 and twice that of the same period last year.</p><p><img src=\"https://static.tigerbbs.com/1d221eff5a83aecbb6996b21f7f45d5a\" tg-width=\"550\" tg-height=\"344\" referrerpolicy=\"no-referrer\" width=\"100%\" height=\"auto\"/></p><p><b>Soaring mortgage interest rates have severely squeezed the demand for real estate loans.</b>Mortgage home purchase applications fell 29% for the week ending Sept. 9 compared to the same period in 2021. The Market Composite Index, which measures mortgage applications, fell 1.2% from the previous week. The MBA Refinance Index is down 4% from the previous week and 83% from the same period last year. Joel Kan, the MBA's vice president of economic and industry forecasting, said,<b>Rising mortgage rates are causing more homebuyers to sit on the sidelines.</b></p><p>As the Federal Reserve continues to raise interest rates, the entire U.S. real estate industry is affected by higher interest rates. Previous data showed that new home sales in the United States in July were 12.6% higher than the previous month, which was significantly lower than the expected 2.5% decline. New home sales fell month-on-month in six of the past seven months. Sales shrank to their lowest level in six and a half years.</p><p><img src=\"https://static.tigerbbs.com/6f3a07a596f24e18a871d1e6cc1b627a\" tg-width=\"550\" tg-height=\"290\" referrerpolicy=\"no-referrer\" width=\"100%\" height=\"auto\"/></p><p>While sales were sluggish, new home inventories in the United States were high. As of the end of July, there were 464,000 new homes for sale, the most since 2008. At the current pace of sales, it will take 10.9 months to empty the supply of new homes, the highest inventory-to-sales ratio since March 2009 and almost double that at the beginning of the year.</p><p><img src=\"https://static.tigerbbs.com/5da9e4aaf175e9be328df0ab07033077\" tg-width=\"550\" tg-height=\"301\" referrerpolicy=\"no-referrer\" width=\"100%\" height=\"auto\"/></p><p>Although the new home market only accounts for 10% of the U.S. property market, the sales of new homes are calculated according to the data at the time of signing the purchase contract, which is different from the sales of existing homes after signing the contract and then included in the statistics, so it is regarded as the leading indicator of the U.S. property market.<b>Some market analysts believe that in view of the plunge in housing mortgage loan applications, new home sales are expected to fall further in the future.</b></p><p></body></html></p>\n<div class=\"bt-text\">\n\n\n<p> source：<a href=\"https://wallstreetcn.com/articles/3670388\">华尔街见闻</a></p>\n\n\n</div>\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"https://static.tigerbbs.com/c3c5822c22b6cfd1d0ae2625b7bc085e","relate_stocks":{},"source_url":"https://wallstreetcn.com/articles/3670388","is_english":false,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"2267068823","content_text":"高涨的房贷利率严重挤压房地产贷款需求，更多的购房者开始持币观望。伴随着美联储政策持续收紧，美国最受欢迎的住房贷款平均利率自2008年以来首次升至6%以上。抵押贷款银行家协会（MBA）数据显示，截至9月9日当周，美国30年期固定抵押贷款利率升至6.01%，为2008年以来首次突破6%关口，是去年同期的两倍。高涨的房贷利率严重挤压房地产贷款需求。截至9月9日当周，抵押贷款购房申请比2021年同期下降了29%。衡量抵押贷款申请量的市场综合指数较前一周下降了1.2%。MBA再融资指数较前一周下降了4%，较去年同期下降了83%。MBA负责经济和行业预测的副总裁Joel Kan表示，抵押贷款利率上升导致更多购房者持币观望。伴随着美联储持续升息，整个美国房地产行业都受到更高利率的影响。此前数据显示，美国7月新屋销售环比大12.6%，大幅不及预期的下跌2.5%，新屋销售在过去七个月中，有六个月环比下跌。销售量萎缩至六年半以来的最低水平。销售萎靡的同时，美国新屋库存高企。截至7月末，有46.4万套新房待售，为2008年以来最多。按照目前的销售速度计算，将需要10.9个月才能清空新房供应，这是自2009年3月以来的最高库销比，几乎是今年年初的两倍。新屋市场虽仅占美国楼市的一成，但新屋销售按照签订购房合同之时的数据计算，与签约完成再纳入统计的成屋销售有所区别，因此被视为美国楼市的领先指标。有市场分析认为，鉴于房屋按揭贷款申请的暴跌，新屋销售未来预计仍将进一步下跌。","news_type":1,"symbols_score_info":{}},"isVote":1,"tweetType":1,"viewCount":1860,"commentLimit":10,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"symbols":[],"verified":2,"subType":0,"readableState":1,"langContent":"EN","currentLanguage":"EN","warmUpFlag":false,"orderFlag":false,"shareable":true,"causeOfNotShareable":"","featuresForAnalytics":[],"commentAndTweetFlag":false,"andRepostAutoSelectedFlag":false,"upFlag":false,"length":4,"xxTargetLangEnum":"ORIG"},"commentList":[],"hasMoreComment":false,"orderType":2}