【房貸申請】即使利率回跌 上周美國房貸申請量降至2018年底來最低

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房貸申請】即使利率回跌 上周美國房貸申請量降至2018年底來最低

時間:06/02/2022 00:00 瀏覽: 498
即使上周利率略有下降之後，房貸需求仍降至 2018 年 12 月以來的最低水準。
根據抵押貸款銀行家協會 (MBA) 的季節性調整指數，上周購屋的房貸申請較前周下降了 1%；成交量較一年前同周低 14%。
雖然利率略有下降，但房貸利率仍顯著高於今年年初。
符合貸款條件的 30 年期固定利率房貸平均合約利率從 5.46% 降至 5.33%，而自備 20% 頭期款的點數從 0.60 降至 0.51。
MBA 經濟學家坎恩 (Joel Kan) 表示：「由於對經濟成長疲軟和近期股市拋售的擔憂，導致美國國債殖利率走低，房貸利率在 5 周內第 4 次下降。」
利率上升和房價大幅上漲正在嚴重打擊人們的負擔能力。房價繼續上漲，因為市場上的供應仍然很少，但不同層次的買家展現不同的態度。
坎恩說，「高端市場的需求很高，供應和負擔能力方面的挑戰對這些借款人的不利影響，比不上對首購族的不利。」
擁有超過 64 萬 7200 美元巨額貸款餘額的 30 年期固定利率房貸平均合約利率從 5.02% 降至 4.93%。巨額貸款主要由投資客和銀行投資組合持有，而不是出售給房利美或房地美。因為通常借款人的信用質量較高，放貸方認為他們的風險較小。
對利率變動比購買申請更敏感的房貸再融資申請當周下降了 5%，較一年前同周下降 75%。雖然過去幾周利率從高點回落，但再融資需求並沒有回升，因為在去年利率處於創紀錄低位時，很多借款人已經經歷了這一過程。
鉅亨報導


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