30-Year Mortgage Rates Hit 15-Month Low, But Applications Pull Back After Recent Spikes: Real Estate Stocks React Wednesday
30-Year Mortgage Rates Hit 15-Month Low, But Applications Pull Back After Recent Spikes: Real Estate Stocks React Wednesday
Positive news has emerged for U.S. homebuyers navigating the housing market, as the average interest rate on 30-year fixed-rate mortgages with conforming loan balances (up to $766,550) declined to 6.50% in the week ending Aug. 16, according to data released Thursday by the Mortgage Bankers Association.
有利的消息傳出，美國購房者在購房市場上的導航變得更加容易，根據數據顯示，房貸銀行協會週四發佈的數據顯示，截至8月16日當週，符合貸款平衡（不超過766,550美元）的30年期固定利率按揭貸款的平均利率下降至6.50%。
This represents the lowest level since early May 2023. The decrease in mortgage rates aligns with a dip in long-term Treasury yields, influenced by market expectations of multiple rate cuts from the Federal Reserve this year.
這一水平是自2023年5月初以來的最低水平。房貸利率下降與長期國債收益率下降相吻合，受市場對聯儲局今年多次減息預期的影響。
Last week, the 30-year Treasury yield dropped by 7 basis points, currently on track for a fourth straight month of declines. Month-to-date the long-dated Treasury bond has seen its yields tumble by about 25 basis points to the current 4.05%.
上週，30年期國債收益率下降了7個點子，目前正跟蹤連續第四個月的下降趨勢。截至本月，長期國債收益率下降了約25個點子，目前爲4.05%。
Mortgage Applications Dip As Homebuyers Take A Breather
貸款申請量下滑，購房者稍事歇息
However, this rate drop did not translate into an increase in mortgage application activity.
然而，利率下降並沒有導致抵押貸款申請活動的增加。
After two consecutive weeks of robust growth, mortgage applications fell sharply, signaling that many potential homebuyers are still in a holding pattern, likely waiting for more clarity on the Federal Reserve's future policy direction, which could be hinted at during the upcoming Jackson Hole Symposium.
在連續兩週的強勁增長之後，抵押貸款申請大幅下降，這表明許多潛在購房者仍處於觀望狀態，可能在即將舉行的傑克遜霍爾研討會上等待更多關於聯儲局未來政策方向的明確信號。
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Despite the reduced 30-year fixed mortgage rate, overall mortgage applications saw a 10.1% decline compared to the previous week, partially erasing the robust 25% gain recorded over the prior two weeks.
儘管30年期固定房貸利率下降了，但整體房貸申請量與上週相比下降了10.1%，部分抹去了過去兩週錄得的強勁增長25%。
Refinance applications, which tend to be more sensitive to fluctuations in interest rates, dropped by 15%, cutting into the 35% surge observed in the previous week.
重新融資申請對利率波動更敏感，下降了15%，抵消了上週35%的激增。
Similarly, applications for home purchase mortgages fell by 5%, building on the 8% decline from the prior week.
同樣，購房抵押貸款申請下降了5%，在上週的8%下降的基礎上進一步下降。
Thursday's Real Estate Stock Movers
週四的房地產股票市場變動情況
The broader real estate sector, as tracked by the Real Estate Select Sector SPDR Fund (NYSE:XLRE), was up 0.3% during Thursday premarket trading, on track to notch the highest level since September 2022.
房地產行業整體由紐交所房地產選擇板塊SPDR基金（NYSE:XLRE）跟蹤，週四盤前交易上漲0.3%，有望創下2022年9月以來最高水平。
Top-performing stocks within the XLRE ETF were CBRE Group, Inc. (NYSE:CBRE), up 1.1%, and Crown Castle Inc. (NYSE:CCI) , up 0.9%.
XLRE ETF中表現最好的股票是CBRE集團，上漲1.1%，以及Crown Castle International公司（NYSE:CCI），上漲0.9%。
Taking a closer look at mortgage-linked industries, the iShares Residential and Multisector Real Estate ETF (NYSE:REZ) was flat, after closing Tuesday at the highest level since mid-September 2022.
對於與抵押貸款相關的行業，iShares住宅和多重房地產ETF（NYSE:REZ）持平，週二收盤時達到2022年9月中旬以來的最高水平。
Major premarket gainers within the REZ ETF included Healthcare Realty Trust Inc. (NYSE:HR), up 1.3%, Sabra Health Care REIT, Inc. (NYSE:SBRA), up 1.1%, and Universal Health Realty Income Trust (NYSE:UHT), up 13%
REZ ETF中的主要盤前漲幅者包括醫療保健房地產信託公司（NYSE:HR），上漲1.3%，Sabra醫療保健投資信託公司（NYSE:SBRA），上漲1.1%，以及Universal Health Realty Income Trust（NYSE:UHT），上漲13%。
Other mortgage sensitive stocks, such as Redfin Corp. (NASDAQ:RDFN) and Zillow Group Inc. (NASDAQ:ZG), were 1.2% and 0.2% higher, respectively.
其他與抵押貸款敏感的股票，如Redfin公司（NASDAQ:RDFN）和Zillow集團公司（NASDAQ:ZG），分別上漲了1.2%和0.2%。
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