Mortgage Rates Fall To Lowest Level Since February 2023
Mortgage Rates Fall To Lowest Level Since February 2023
Mortgage rates declined to their lowest point in more than 18 months last week, encouraging homebuyers to refinance the amount they have left on their home loans.
上周，抵押贷款利率降至18个月以来的最低点，这鼓励购房者为剩余的住房贷款再融资。
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).
根据抵押银行家协会（MBA）的数据，贷款余额合格（766,550美元或以下）的30年期固定利率抵押贷款的平均合同利率从6.43％降至6.29％，这是利率连续第六周下降。
The average interest rate for 30-year fixed-rate mortgages with jumbo loan balances (greater than $766,550) decreased to 6.56% from 6.73%.
巨额贷款余额（超过766,550美元）的30年期固定利率抵押贷款的平均利率从6.73％降至6.56％。
Read Also: Mortgage Applications Fall As Rates Climb Back Above 7%
另请阅读：随着利率回升至7％以上，抵押贷款申请下降
The average rate for 15-year fixed-rate mortgages decreased to 5.71% from 5.98%.
15年期固定利率抵押贷款的平均利率从5.98％降至5.71％。
The refinance share of mortgage activity increased to 46.7 percent of total applications from 46.4 percent the previous week. The adjustable-rate mortgage (ARM) share of activity decreased to 5.4 percent of total applications.
抵押贷款活动的再融资份额从前一周的46.4％增加到申请总数的46.7％。浮动利率抵押贷款（ARM）的活动份额下降至申请总数的5.4％。
"Mortgage rates declined for the sixth consecutive week, with the 30-year fixed rate decreasing to 6.29 percent, the lowest rate since February 2023," said Joel Kan, MBA's vice president and deputy chief economist.
工商管理硕士副总裁兼副首席经济学家乔尔·坎表示：“抵押贷款利率连续第六周下降，30年期固定利率降至6.29％，为2023年2月以来的最低水平。”
"With rates almost a full percentage point lower than a year ago, refinance applications continue to run much higher than last year's pace."
“由于利率比去年同期下降了近整整一个百分点，再融资申请的运行速度继续远高于去年的速度。”
Mortgage applications increased 1.4 percent from one week earlier, according to the MBA's Weekly Applications Survey for the week ending Sept. 6, 2024.
根据工商管理硕士截至2024年9月6日当周的每周申请调查，抵押贷款申请较一周前增长了1.4％。
"Purchase applications increased over the week and are edging closer to last year's levels," Kan said.
菅直人说：“本周购买申请有所增加，接近去年的水平。”
"Despite the drop in rates, affordability challenges and other factors such as limited inventory might still be hindering purchase decisions."
“尽管利率下降，但负担能力挑战和库存有限等其他因素可能仍会阻碍购买决策。”
Price Action: Lenders trended downward into Wednesday's late-morning trading.
价格走势：贷款机构在周三上午的交易中呈下降趋势。
- Invesco Mortgage Capital Inc. (NYSE:IVR) slipped 1.14% to $8.67
- Rocket Companies Inc (NYSE:RKT) declined 1.78% to $18.52
- Lendingtree (TREE) fell 1.74% to $50.74
- 景顺抵押资本公司（纽约证券交易所代码：IVR）下跌1.14％，至8.67美元
- 火箭公司公司（纽约证券交易所代码：RKT）下跌1.78％，至18.52美元
- Lendingtree（TREE）下跌1.74％，至50.74美元
Exchange-traded funds that hold these stocks saw gains and losses on Wednesday.
持有这些股票的交易所交易基金周三出现涨跌。
- Kingsbarn Dividend Opportunity ETF (NYSE:DVDN) went up 0.14%
- Global X SuperDividend REIT ETF (NASDAQ:SRET) declined 1.31%
- VanEck Mortgage REIT Income ETF (NYSE:MORT) fell 1.45%
- 金斯巴恩股息机会ETF（纽约证券交易所代码：DVDN）上涨0.14％
- Global X 超级股息房地产投资信托基金ETF（纳斯达克股票代码：SRET）下跌1.31％
- VanEck 抵押贷款房地产投资信托基金收益ETF（纽约证券交易所代码：MORT）下跌1.45％
Read Now:
立即阅读：
- 30-Year Mortgage Rates Hit 15-Month Low, But Applications Pull Back After Recent Spikes: Real Estate Stocks React Wednesday
- 30年期抵押贷款利率触及15个月低点，但在近期飙升后申请有所回落：房地产股周三作出反应
Image: Shutterstock
图片：Shutterstock
