2023年6月8日

HousingWire打開菜單調查:高抵押貸款利率使許多美國人從買房BMO金融調查說64%的美國人說他們正在等待抵押貸款利率下降之前進入市場6月8日,2023年,兩點pmBy莎拉馬克思購房者如今麵臨更高成本的所有權與一年前相比,促使大多數間隙。抵押貸款利率和房價是高和庫存是微不足道的,很大程度上導致住房市場凍結。將近三分之二的美國人說他們正在等待進入市場前抵押貸款利率下降,本周公布的一項調查顯示,加拿大蒙特利爾銀行金融集團八大銀行在北美。在那些計劃購買一個家不久,隻有6%的人預計今年夏天這樣做,這應該是房地產經紀人的旺季。再融資計劃也擱置了:那些再融資計劃,81%的人說他們正在等待利率下降。調查還發現,68%的美國人計劃利用他們的金融機構的貸款和/或信貸額度,以支持本國購買。蒙特利爾銀行表示,46%的美國人計劃利用他們的一些個人儲蓄來支付他們的家庭購買,比如首付。近四分之一的受訪者說他們預計金融家人或朋友的幫助當他們購買一個家。抵押貸款利率仍居高不下的幾乎所有的2023。周四,記錄的利率為6.94%,略低於5月下旬最近的高7.14%。 The Mortgage Bankers Association on Wednesday said that mortgage applications for the week ending June 2 were down about 30% from the year prior, a direct consequence of 10 consecutive rate hikes from the Federal Reserve. Still, there is optimism that the housing market is at the bottom and will gradually improve. “If we can achieve a true soft landing [for the economy], which it looks like we might be able to pull off, then … rates will start to kind of slowly go down,” said John Toohig, the head of whole loan trading at Raymond James. “For the housing market, this is the bottom; we’ll get past this. But it’s not a slam dunk, don’t get me wrong. Nobody’s doing backflips here. Nobody’s doing high-fives. Nobody’s saying, “Hey, let’s break out the steaks and put away the hotdogs.” You know, it’s just incremental. … We need to see a 200 basis-points drop [in rates] before you see any meaningful refinance business.” More: