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'
Homeowner's equity has skyrocketed 15,845% over the past seven decades from $219 billion in 1951.Homeowners have more real estate equity than ever before, according to data from the federal government and an investment group.
根据联邦政府和一家投资集团的数据，房主拥有的房地产股权创下历史新高。
Total homeowner's equity in the U.S. reached $35.1 trillion in this year's second quarter, data from the Federal Reserve showed.
根据美联储的数据，美国房主权益在今年第二季度达到了35.1万亿美元。
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.
根据美联储的数据，2022年最后一个季度降至29.8万亿美元，但仍远高于2012年第一季度的最低水平8.22万亿美元。
Homeowner's equity has skyrocketed 15,845% over the past seven decades from $219 billion in 1951.
自1951年的2190亿美元起，房主权益在过去七十年飙升了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.
另一个房主财富指标是，家庭按揭负债相对于房产价值的比例创下了近70年来的最低水平，这是因为房屋价值增长和房主偿还按揭贷款，根据Bespoke Investment Group的数据。
Read Also: U.S. Home Sales Decline For Third Month As Record Prices Pose Persistent Affordability Challenges During Key Selling Season
阅读更多：美国房屋销量连续第三个月下降，创下历史高价位使关键销售季节面临持续的可负担性挑战
Household mortgage debt as a percentage of real estate value has halved from 53% in December 2011 to 27.3% in 2021.
家庭按揭负债占房地产价值的比例从2011年12月的53%减半至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：“消费者的资产负债表非常稳健，这是对未来经济衰退论调提出质疑的另一个原因。”
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.
按揭利率上周降至18个月来的最低点。这鼓励着购房者对其房屋贷款剩余金额进行再融资。
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).
根据美国抵押银行家协会（MBA）的数据，符合贷款限额（$766,550或以下）的30年期固定利率贷款的平均合同利率从6.43%降至6.29%，这是连续第六个将利率降低的周。
Price Action: Mortgage lenders saw losses and gains into Friday's early-afternoon trading.
价格走势：房屋抵押贷款放贷机构在周五早盘交易中既有损失又有收益。
- 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.（纽交所：RKT）上涨6.11%，报价19.90美元
- 美国银行（纽交所：BAC）下跌0.46%，报价38.60美元
- Better Home & Finance Holding Company（纳斯达克：BETR）上涨1.04%，报价16.50美元
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Image: Pixabay
图片：Pixabay