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
However, this rate drop did not translate into an increase in mortgage application activity. 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.
对于在美国房地产市场中导航的购房者来说，出现了一些积极的消息，根据周四发布的数据，符合贷款平衡的30年固定利率按揭贷款（最高$766,550）的平均利率在截至8月16日的一周内下降至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.
这是自2023年5月初以来的最低水平。抵押贷款利率的降低与长期国债收益率的下降相吻合，受市场对美联储今年多次降息预期的影响。
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%.
上周，30年期国债收益率下跌了7个基点，目前有望连续第四个月下降。截至目前，这种长期国债的收益率已下降约25个基点，目前为4.05%。
Mortgage Applications Dip As Homebuyers Take A Breather
随着购房者稍事休憩，抵押贷款申请出现下滑
However, this rate drop did not translate into an increase in mortgage application activity.
然而，利率下降并没有转化为抵押贷款申请活动的增加。
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.
在连续两周强劲增长之后，抵押贷款申请急剧下降，表明许多潜在购房者仍处于观望状态，可能正在等待对美联储未来政策走向的更多明确信息，而这些信息有可能在即将举行的杰克逊霍尔研讨会上透露。
Read Also: Jackson Hole Preview: 5 Important Questions Ahead Of Jerome Powell's Fed Speech
还有：杰克逊霍尔预告：杰罗姆·鲍威尔发表美联储讲话之前的5个重要问题
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.
尽管30年固定抵押贷款利率降低，整体抵押贷款申请与上周相比下降了10.1%，部分抵消了之前两周增长25%的强劲增幅。
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.
再融资申请对利率波动更为敏感，下降了15％，削减了前一周35％的增幅。
Similarly, applications for home purchase mortgages fell by 5%, building on the 8% decline from the prior week.
同样，购房抵押贷款的申请下降了5％，进一步从上周下降的8％中弱势。
Thursday's Real Estate Stock Movers
周四的房地产股票市场表现
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.
根据房地产选择部门期权基金（纽约证券交易所：XLRE）进行跟踪，周四盘前交易中上涨了0.3％，有望创下自2022年9月以来的最高水平。
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基金中表现最好的股票包括CBRE集团公司（纽约证券交易所：CBRE），上涨1.1％，以及冠城国际公司（纽约证券交易所：CCI），上涨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.
对于与抵押贷款相关的行业，iShares住宅和多部门房地产ETF（纽约证券交易所：REZ）基本持平，在9月中旬创下自2022年以来的最高水平。
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中的主要盘前涨停股包括医疗保健房地产信托公司（纽约证券交易所：HR），上涨1.3％，萨布拉保健房地产投资公司（纽约证券交易所：SBRA），上涨1.1％，以及universal health realty income trust（纽约证券交易所：UHT），上涨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.
其他对抵押贷款敏感的股票，例如红芬公司（纳斯达克证券交易所：RDFN）和Zillow集团公司（纳斯达克证券交易所：ZG），分别上涨了1.2％和0.2％。
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译文内容由第三方软件翻译。
