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.
房地产市场吸收了美联储周三0.5%的利率降低，引发了再融资和购买需求，使房贷利率持续下降接近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.
根据Freddie Mac的主要市场抵押贷款调查，30年期固定按揭贷款的平均利率在周四降至6.09%，比一周前的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年期固定按揭贷款的利率从一周前的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的首席经济学家山姆·卡特表示：“房贷利率持续下降接近6%的水平，促使许多消费者增加购买和再融资需求。”
Read Also: Single-Family Housing Starts Are Up As Mortgage Rates Decline, Fed Eyes Lower Rates
阅读更多：房地产单户住宅开工呈增长趋势，房贷利率下降，美联储关注降息
"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."
“尽管房贷利率并不直接跟随美联储的举措，但过去四年来的首次降息将对房地产市场产生影响。过去几周房贷利率的下降表明这次降息大多已经反映在内，但我们预计利率将进一步下降，激发更多的房产活动。”
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对房贷利率很敏感，因为它们主要投资于按揭抵押债券(MBS)或与房贷相关的资产，这些资产受利率变化的直接影响。
- 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%
- 石斧摄影交易所交易基金(shutterstock:REM)上涨了0.82%。
- VanEck按揭信托收入etf (纽交所:MORT)上涨了0.74%
- iShares MBS etf (纳斯达克:MBB)上涨了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按揭房地产etf持有房地产信托15.2%，安纳利资本管理公司 (纽交所:NLY)，而VanEck按揭信托收入etf持有11.1%。
Read Now:
立即阅读：
- Mortgage Rates Fall To Lowest Level Since February 2023
- 按揭利率降至2023年2月以来的最低水平
Photo: Shutterstock
Photo: shutterstock
