Homeowners Have Never Been Richer, Data Shows: 'Another Reason To Question Recession Narrative'
Homeowners Have Never Been Richer, Data Shows: 'Another Reason To Question Recession Narrative'
Homeowners have more real estate equity than ever before, according to data from the federal government and an investment group.
根據聯邦政府和一家投資集團的數據，房主擁有的房地產股權創下歷史新高。
Total homeowner's equity in the U.S. reached $35.1 trillion in this year's second quarter, data from the Federal Reserve showed.
根據聯儲局的數據，美國房主權益在今年第二季度達到了35.1萬億美元。
It fell as low as $29.8 trillion in the last quarter of 2022, but that is way above a most recent low of $8.22 trillion in the first quarter of 2012, according to the Fed data.
根據聯儲局的數據，2022年最後一個季度降至29.8萬億美元，但仍遠高於2012年第一季度的最低水平8.22萬億美元。
Homeowner's equity has skyrocketed 15,845% over the past seven decades from $219 billion in 1951.
自1951年的2190億美元起，房主權益在過去七十年飆升了15,845%。
Another indicator of homeowner wealth is that households have the least mortgage debt relative to their property value in almost 70 years as homes appreciate in value and homeowners pay down their mortgages, according to data from Bespoke Investment Group.
另一個房主財富指標是，家庭按揭負債相對於房產價值的比例創下了近70年來的最低水平，這是因爲房屋價值增長和房主償還按揭貸款，根據Bespoke Investment Group的數據。
Read Also: U.S. Home Sales Decline For Third Month As Record Prices Pose Persistent Affordability Challenges During Key Selling Season
閱讀更多：美國房屋銷量連續第三個月下降，創下歷史高價位使關鍵銷售季節面臨持續的可負擔性挑戰
Household mortgage debt as a percentage of real estate value has halved from 53% in December 2011 to 27.3% in 2021.
家庭按揭負債占房地產價值的比例從2011年12月的53%減半至2021年的27.3%。
"Consumer balance sheets are rock solid, which is another reason to question the narrative of impending recession," Bespoke said.
Bespoke表示：「消費者的資產負債表非常穩健，這是對未來經濟衰退論調提出質疑的另一個原因。」
Mortgage rates fell to their lowest point in more than 18 months last week. That's encouraging homebuyers to refinance the amount they have left to pay on their home loans.
按揭利率上週降至18個月來的最低點。這鼓勵着購房者對其房屋貸款剩餘金額進行再融資。
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).
根據美國抵押銀行家協會（MBA）的數據顯示，符合貸款平衡（766,550美元或更少）的30年固定利率抵押貸款的平均合同利率從6.43%下降到6.29%，這已是連續第六週的減息。
Price Action: Mortgage lenders saw losses and gains into Friday's early-afternoon trading.
價格走勢：房屋抵押貸款放貸機構在週五早盤交易中既有損失又有收益。
- Rocket Companies Inc. (NYSE:RKT) rose 6.11% to $19.90
- Bank of America (NYSE:BAC) slipped 0.46% to $38.60
- Better Home & Finance Holding Company (NASDAQ:BETR) gained 1.04% to $16.50
- Rocket Companies Inc.（紐交所：RKT）上漲6.11%，報價19.90美元
- 美國銀行（紐交所：BAC）下跌0.46%，報價38.60美元
- Better Home & Finance Holding Company（納斯達克：BETR）上漲1.04%，報價16.50美元
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- Two Things The Latest Home Sales Numbers Say About The Real Estate Market
- 最新的房地產銷售數字透露的兩個事情
Image: Pixabay
圖片：Pixabay
譯文內容由第三人軟體翻譯。