30-Year Mortgage Rates Hit 15-Month Low, But Applications Pull Back After Recent Spikes: Real Estate Stocks React Wednesday
30-Year Mortgage Rates Hit 15-Month Low, But Applications Pull Back After Recent Spikes: Real Estate Stocks React Wednesday
Positive news has emerged for U.S. homebuyers navigating the housing market, as the average interest rate on 30-year fixed-rate mortgages with conforming loan balances (up to $766,550) declined to 6.50% in the week ending Aug. 16, according to data released Thursday by the Mortgage Bankers Association.
對於在美國房地產市場中導航的購房者來說，出現了一些積極的消息，根據週四發佈的數據，符合貸款平衡的30年固定利率按揭貸款（最高$766,550）的平均利率在截至8月16日的一週內下降至6.50%。
This represents the lowest level since early May 2023. The decrease in mortgage rates aligns with a dip in long-term Treasury yields, influenced by market expectations of multiple rate cuts from the Federal Reserve this year.
這是自2023年5月初以來的最低水平。抵押貸款利率的降低與長期國債收益率的下降相吻合，受市場對聯儲局今年多次減息預期的影響。
Last week, the 30-year Treasury yield dropped by 7 basis points, currently on track for a fourth straight month of declines. Month-to-date the long-dated Treasury bond has seen its yields tumble by about 25 basis points to the current 4.05%.
上週，30年期國債收益率下跌了7個點子，目前有望連續第四個月下降。截至目前，這種長期國債的收益率已下降約25個點子，目前爲4.05%。
Mortgage Applications Dip As Homebuyers Take A Breather
隨着購房者稍事休憩，抵押貸款申請出現下滑
However, this rate drop did not translate into an increase in mortgage application activity.
然而，利率下降並沒有轉化爲抵押貸款申請活動的增加。
After two consecutive weeks of robust growth, mortgage applications fell sharply, signaling that many potential homebuyers are still in a holding pattern, likely waiting for more clarity on the Federal Reserve's future policy direction, which could be hinted at during the upcoming Jackson Hole Symposium.
在連續兩週強勁增長之後，抵押貸款申請急劇下降，表明許多潛在購房者仍處於觀望狀態，可能正在等待對聯儲局未來政策走向的更多明確信息，而這些信息有可能在即將舉行的傑克遜霍爾研討會上透露。
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Despite the reduced 30-year fixed mortgage rate, overall mortgage applications saw a 10.1% decline compared to the previous week, partially erasing the robust 25% gain recorded over the prior two weeks.
儘管30年固定抵押貸款利率降低，整體抵押貸款申請與上週相比下降了10.1%，部分抵消了之前兩週增長25%的強勁增幅。
Refinance applications, which tend to be more sensitive to fluctuations in interest rates, dropped by 15%, cutting into the 35% surge observed in the previous week.
再融資申請對利率波動更爲敏感，下降了15％，削減了前一週35％的增幅。
Similarly, applications for home purchase mortgages fell by 5%, building on the 8% decline from the prior week.
同樣，購房抵押貸款的申請下降了5％，進一步從上週下降的8％中弱勢。
Thursday's Real Estate Stock Movers
週四的房地產股票市場表現
The broader real estate sector, as tracked by the Real Estate Select Sector SPDR Fund (NYSE:XLRE), was up 0.3% during Thursday premarket trading, on track to notch the highest level since September 2022.
根據房地產選擇部門期權基金（紐約證券交易所：XLRE）進行跟蹤，週四盤前交易中上漲了0.3％，有望創下自2022年9月以來的最高水平。
Top-performing stocks within the XLRE ETF were CBRE Group, Inc. (NYSE:CBRE), up 1.1%, and Crown Castle Inc. (NYSE:CCI) , up 0.9%.
XLRE基金中表現最好的股票包括CBRE集團公司（紐約證券交易所：CBRE），上漲1.1％，以及冠城國際公司（紐約證券交易所：CCI），上漲0.9％。
Taking a closer look at mortgage-linked industries, the iShares Residential and Multisector Real Estate ETF (NYSE:REZ) was flat, after closing Tuesday at the highest level since mid-September 2022.
對於與抵押貸款相關的行業，iShares住宅和多部門房地產ETF（紐約證券交易所：REZ）基本持平，在9月中旬創下自2022年以來的最高水平。
Major premarket gainers within the REZ ETF included Healthcare Realty Trust Inc. (NYSE:HR), up 1.3%, Sabra Health Care REIT, Inc. (NYSE:SBRA), up 1.1%, and Universal Health Realty Income Trust (NYSE:UHT), up 13%
REZ ETF中的主要盤前漲停股包括醫療保健房地產信託公司（紐約證券交易所：HR），上漲1.3％，薩布拉保健房地產投資公司（紐約證券交易所：SBRA），上漲1.1％，以及universal health realty income trust（紐約證券交易所：UHT），上漲13％。
Other mortgage sensitive stocks, such as Redfin Corp. (NASDAQ:RDFN) and Zillow Group Inc. (NASDAQ:ZG), were 1.2% and 0.2% higher, respectively.
其他對抵押貸款敏感的股票，例如紅芬公司（納斯達克證券交易所：RDFN）和Zillow集團公司（納斯達克證券交易所：ZG），分別上漲了1.2％和0.2％。
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譯文內容由第三人軟體翻譯。