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Mortgage Stocks Tick Up As Freddie Mac Is Allowed To Buy Second Mortgages

Mortgage Stocks Tick Up As Freddie Mac Is Allowed To Buy Second Mortgages

隨着房利美被允許購買二押股票,抵押貸款股票上漲。
Benzinga ·  06/24 19:06

Shares of U.S.-listed mortgage lenders have risen on the heels of U.S. regulators allowing the Federal Home Loan Mortgage Corp (OTC:FMCC), aka Freddie Mac, to buy second mortgages, a move that could lower the cost of borrowing against home equity.

美國上市抵押貸款機構的股價已經上漲,因爲美國監管機構允許聯邦住房貸款抵押公司(OTC:FMCC),也被稱爲房利美(Freddie Mac),購買二級抵押貸款,這可能會降低抵押房屋權益貸款成本。

The Federal Housing Finance Authority (FHFA) said Freddie Mac could buy up to $2.5 billion of second mortgages over an 18-month trial period, Bloomberg reported. FHFA will then decide whether the pilot program helps borrowers in rural and underserved communities obtain them, among other criteria.

福特房屋金融管理局(FHFA)表示,花旗房利美可以在爲期18個月的試驗期內購買高達25億美元的二級抵押貸款,彭博社報道。 FHFA將決定試點計劃是否有助於農村和未受到充分服務社區的借款人獲得它們,以及其他標準。

Freddie Mac proposed backing second mortgages in April after the steep jump in home loan rates over the past two years. When rates were lower, a homeowner who wanted to borrow for renovations might have used a cash-out refinancing that allowed them to take out a new loan bigger than their prior mortgage.

自2018年以來,由於住房貸款利率急劇上漲,房利美建議支持二級抵押貸款。當利率較低時,想要借款進行翻新的房主可能會選擇進行現金流再融資,以使其借款金額大於舊貸款金額。

Also Read: US Needs 1.5 Million More Homes To Tame Record Prices

另外閱讀:美國需要多建150萬套房屋才能控制房價創紀錄的問題。

But cash-out refinancings are no longer practical for many borrowers because today's higher interest rates would result in bigger, higher-rate loans.

但是,對於許多借款人來說,現在的高利率使現金流再融資不再切實可行,因爲將導致更大、更高利率的貸款。

Meanwhile, the steep rise in housing prices since 2020 has led to U.S. households having more than $32 trillion in equity. About $18 trillion of that is possibly available for equity extraction through private channels, according to Bloomberg.

與此同時,自2020年以來,房屋價格急劇上漲,導致美國家庭擁有超過32萬億美元的資產淨值,其中約有18萬億美元可能可以通過私人渠道進行資產淨值提取,根據彭博社的數據。

Freddie Mac's proposal to back second mortgages has faced opposition from industry groups and politicians who argue the initiative could boost inflation and crowd out private lending, but other public comments on the proposal said it would help boost the scale of the market for home-equity lending.

房利美支持二級抵押貸款的提議遭到了行業團體和政客的反對,他們認爲該舉措可能會推高通脹並排擠私人放貸,但該提議的其他公開評論稱,這將有助於擴大家庭資產淨值貸款的市場規模。

Sandra Thompson, FHFA director, said capping the program at $2.5 billion would mitigate the risk of it boosting inflation. She also said requiring Freddie Mac to buy loans of $78,277 or less would ensure that it stays focused on borrowers who may be underserved, such as rural and low-income homeowners, rather than higher-income borrowers who may be better served by private lenders.

FHFA主任桑德拉·湯普森(Sandra Thompson)表示,將此計劃限制在25億美元將減輕推高通脹的風險。她還表示,強制花旗房利美購買78277美元或更少的貸款,將確保它專注於可能未受到充分服務的借款人,例如農村和低收入房主,而不是更好地受到私人放貸服務的高收入借款人。

Price action: UWM Holdings Corp. (NYSE:UWMC) gained 1.15% on Monday, while Bank of America (NYSE:BAC) improved 1.38% and PennyMac Financial Services, Inc. (NYSE:PFSI) picked up 0.76%. Discover Financial Services (NYSE:DFS) ticked up 0.55%.

價格行動:UWM Holdings Corp.(紐交所:UWMC)週一上漲1.15%,而美國銀行(NYSE:BAC)上漲1.38%,PennyMac Financial Services,Inc.(紐交所:PFSI)上漲0.76%。發現金融服務公司(NYSE:DFS)上漲0.55%。

Read now: Fannie Mae And Freddie Mac Will Make Home Loans Over $1 Million In Some Regions

現在閱讀:在某些地區,房利美和房地美將提供100萬美元以上的住房貸款。

Photo: Shutterstock

Photo: shutterstock

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