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.
有利的消息传出，美国购房者在购房市场上的导航变得更加容易，根据数据显示，房贷银行协会周四发布的数据显示，截至8月16日当周，符合贷款平衡（不超过766,550美元）的30年期固定利率按揭贷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.
这一水平是自2023年5月初以来的最低水平。房贷利率下降与长期国债收益率下降相吻合，受市场对美联储今年多次降息预期的影响。
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%.
上周，30年期国债收益率下降了7个基点，目前正跟踪连续第四个月的下降趋势。截至本月，长期国债收益率下降了约25个基点，目前为4.05%。
Mortgage Applications Dip As Homebuyers Take A Breather
贷款申请量下滑，购房者稍事歇息
However, this rate drop did not translate into an increase in mortgage application activity.
然而，利率下降并没有导致抵押贷款申请活动的增加。
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.
在连续两周的强劲增长之后，抵押贷款申请大幅下降，这表明许多潜在购房者仍处于观望状态，可能在即将举行的杰克逊霍尔研讨会上等待更多关于美联储未来政策方向的明确信号。
Read Also: Jackson Hole Preview: 5 Important Questions Ahead Of Jerome Powell's Fed Speech
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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.
尽管30年期固定房贷利率下降了，但整体房贷申请量与上周相比下降了10.1%，部分抹去了过去两周录得的强劲增长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.
重新融资申请对利率波动更敏感，下降了15%，抵消了上周35%的激增。
Similarly, applications for home purchase mortgages fell by 5%, building on the 8% decline from the prior week.
同样，购房抵押贷款申请下降了5%，在上周的8%下降的基础上进一步下降。
Thursday's Real Estate Stock Movers
周四的房地产股票市场变动情况
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.
房地产行业整体由纽交所房地产选择板块SPDR基金（NYSE:XLRE）跟踪，周四盘前交易上涨0.3%，有望创下2022年9月以来最高水平。
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中表现最好的股票是CBRE集团，上涨1.1%，以及Crown Castle International公司（NYSE:CCI），上涨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.
对于与抵押贷款相关的行业，iShares住宅和多重房地产ETF（NYSE:REZ）持平，周二收盘时达到2022年9月中旬以来的最高水平。
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中的主要盘前涨幅者包括医疗保健房地产信托公司（NYSE:HR），上涨1.3%，Sabra医疗保健投资信托公司（NYSE:SBRA），上涨1.1%，以及Universal Health Realty Income Trust（NYSE:UHT），上涨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.
其他与抵押贷款敏感的股票，如Redfin公司（NASDAQ:RDFN）和Zillow集团公司（NASDAQ:ZG），分别上涨了1.2%和0.2%。
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