Mortgage Rates Fall To Lowest Level Since February 2023
Mortgage Rates Fall To Lowest Level Since February 2023
Mortgage rates declined to their lowest point in more than 18 months last week, encouraging homebuyers to refinance the amount they have left on their home loans.
上週，抵押貸款利率降至18個月以來的最低點，這鼓勵購房者爲剩餘的住房貸款再融資。
The average contract interest rate for 30-year fixed-rate mortgages with conforming loan balances ($766,550 or less) decreased to 6.29 percent from 6.43 percent, marking the sixth straight week in declining rates, according to the Mortgage Bankers Association (MBA).
根據抵押銀行家協會（MBA）的數據，貸款餘額合格（766,550美元或以下）的30年期固定利率抵押貸款的平均合同利率從6.43％降至6.29％，這是利率連續第六週下降。
The average interest rate for 30-year fixed-rate mortgages with jumbo loan balances (greater than $766,550) decreased to 6.56% from 6.73%.
巨額貸款餘額（超過766,550美元）的30年期固定利率抵押貸款的平均利率從6.73％降至6.56％。
Read Also: Mortgage Applications Fall As Rates Climb Back Above 7%
另請閱讀：隨着利率回升至7％以上，抵押貸款申請下降
The average rate for 15-year fixed-rate mortgages decreased to 5.71% from 5.98%.
15年期固定利率抵押貸款的平均利率從5.98％降至5.71％。
The refinance share of mortgage activity increased to 46.7 percent of total applications from 46.4 percent the previous week. The adjustable-rate mortgage (ARM) share of activity decreased to 5.4 percent of total applications.
抵押貸款活動的再融資份額從前一週的46.4％增加到申請總數的46.7％。浮動利率抵押貸款（ARM）的活動份額下降至申請總數的5.4％。
"Mortgage rates declined for the sixth consecutive week, with the 30-year fixed rate decreasing to 6.29 percent, the lowest rate since February 2023," said Joel Kan, MBA's vice president and deputy chief economist.
工商管理碩士副總裁兼副首席經濟學家喬爾·坎表示：「抵押貸款利率連續第六週下降，30年期固定利率降至6.29％，爲2023年2月以來的最低水平。」
"With rates almost a full percentage point lower than a year ago, refinance applications continue to run much higher than last year's pace."
「由於利率比去年同期下降了近整整一個百分點，再融資申請的運行速度繼續遠高於去年的速度。」
Mortgage applications increased 1.4 percent from one week earlier, according to the MBA's Weekly Applications Survey for the week ending Sept. 6, 2024.
根據工商管理碩士截至2024年9月6日當週的每週申請調查，抵押貸款申請較一週前增長了1.4％。
"Purchase applications increased over the week and are edging closer to last year's levels," Kan said.
菅直人說：「本週購買申請有所增加，接近去年的水平。」
"Despite the drop in rates, affordability challenges and other factors such as limited inventory might still be hindering purchase decisions."
「儘管利率下降，但負擔能力挑戰和庫存有限等其他因素可能仍會阻礙購買決策。」
Price Action: Lenders trended downward into Wednesday's late-morning trading.
價格走勢：貸款機構在週三上午的交易中呈下降趨勢。
- Invesco Mortgage Capital Inc. (NYSE:IVR) slipped 1.14% to $8.67
- Rocket Companies Inc (NYSE:RKT) declined 1.78% to $18.52
- Lendingtree (TREE) fell 1.74% to $50.74
- 景順抵押資本公司（紐約證券交易所代碼：IVR）下跌1.14％，至8.67美元
- 火箭公司公司（紐約證券交易所代碼：RKT）下跌1.78％，至18.52美元
- Lendingtree（TREE）下跌1.74％，至50.74美元
Exchange-traded funds that hold these stocks saw gains and losses on Wednesday.
持有這些股票的交易所交易基金週三出現漲跌。
- Kingsbarn Dividend Opportunity ETF (NYSE:DVDN) went up 0.14%
- Global X SuperDividend REIT ETF (NASDAQ:SRET) declined 1.31%
- VanEck Mortgage REIT Income ETF (NYSE:MORT) fell 1.45%
- 金斯巴恩股息機會ETF（紐約證券交易所代碼：DVDN）上漲0.14％
- Global X 超級股息房地產投資信託基金ETF（納斯達克股票代碼：SRET）下跌1.31％
- VanEck 抵押貸款房地產投資信託基金收益ETF（紐約證券交易所代碼：MORT）下跌1.45％
Read Now:
立即閱讀：
- 30-Year Mortgage Rates Hit 15-Month Low, But Applications Pull Back After Recent Spikes: Real Estate Stocks React Wednesday
- 30年期抵押貸款利率觸及15個月低點，但在近期飆升後申請有所回落：房地產股週三作出反應
Image: Shutterstock
圖片：Shutterstock
譯文內容由第三人軟體翻譯。