Mortgage Rates Near 6%, Demand Increases For Refinancing, Purchases
Mortgage Rates Near 6%, Demand Increases For Refinancing, Purchases
"Mortgage rates continued declining towards the six percent mark, reviving purchase and refinance demand for many consumers," said Mortgage rates continue to fall toward 6% as the housing market absorbs the Federal Reserve's 0.5% rate cut on Wednesday, raising demand for refinancing and buying, stated Freddie Mac.
房地產市場吸收了聯儲局週三0.5%的利率降低，引發了再融資和購買需求，使房貸利率持續下降接近6%。
The average rate for a 30-year fixed mortgage fell to 6.09% on Thursday, down from 6.2% a week ago and 7.19% a year earlier, according to Freddie Mac's Primary Market Mortgage Survey.
根據Freddie Mac的主要市場抵押貸款調查，30年期固定按揭貸款的平均利率在週四降至6.09%，比一週前的6.2%以及一年前的7.19%都要低。
The rate for a 15-year fixed mortgage declined to 5.15%, down from 5.27% a week ago and 6.54% a year earlier.
15年期固定按揭貸款的利率從一週前的5.27%下降到了5.15%，比一年前的6.54%要低。
"Mortgage rates continued declining towards the six percent mark, reviving purchase and refinance demand for many consumers," said Sam Khater, Freddie Mac's chief economist.
Freddie Mac的首席經濟學家山姆·卡特表示：「房貸利率持續下降接近6%的水平，促使許多消費者增加購買和再融資需求。」
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"While mortgage rates do not directly follow moves by the Federal Reserve, this first cut in over four years will have an impact on the housing market. Declining mortgage rates over the last several weeks indicate this cut was mostly baked in, but we expect rates to fall further, sparking more housing activity."
「儘管房貸利率並不直接跟隨聯儲局的舉措，但過去四年來的首次減息將對房地產市場產生影響。過去幾周房貸利率的下降表明這次減息大多已經反映在內，但我們預計利率將進一步下降，激發更多的房產活動。」
Exchange-traded funds that hold mortgage stocks are sensitive to mortgage rates because they primarily invest in mortgage-backed securities (MBS) or mortgage-related assets, which are directly impacted by changes in interest rates.
持有按揭股票的交易所交易基金對房貸利率很敏感，因爲它們主要投資於按揭抵押債券(MBS)或與房貸相關的資產，這些資產受利率變化的直接影響。
- IShares Mortgage Real Estate ETF (BATS:REM) rose 0.82%
- VanEck Mortgage REIT Income ETF (NYSE:MORT) went up 0.74%
- IShares MBS ETF (NASDAQ:MBB) ticked up 0.06%
- 石斧攝影交易所交易基金(shutterstock:REM)上漲了0.82%。
- VanEck按揭信託收入etf (紐交所:MORT)上漲了0.74%
- iShares MBS etf (納斯達克:MBB)上漲了0.06%
IShares Mortgage Real Estate ETF holds 15.2% of the REIT, Annaly Capital Management, Inc. (NYSE:NLY), while VanEck Mortgage REIT Income ETF holds 11.1%.
iShares按揭房地產etf持有房地產信託15.2%，安納利資本管理公司 (紐交所:NLY)，而VanEck按揭信託收入etf持有11.1%。
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- Mortgage Rates Fall To Lowest Level Since February 2023
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Photo: Shutterstock
Photo: shutterstock
譯文內容由第三人軟體翻譯。