Ֆեդերալ պահուստային համակարգի տոկոսադրույքի կրճատումը կարող է չհանգեցնել բնակարանային վարկերի տոկոսադրույքների նվազմանը

"...Hoping that mortgage rates will keep dropping following the Federal Reserve’s first rate cut since last year? Don’t bank on it...."

"...But it hasn’t come close to that since...."

"...Like last year, the Fed’s rate cut doesn’t necessarily mean mortgage rates will keep declining, even as the central bank signals more cuts ahead...."

"...However, there are still risks of a reversal in mortgage rates...."

"...It’s not just about what the Fed is doing today, it’s about what they’re expected to do in the future, and that’s determined by things like economic growth, what’s going to happen in the labor market and what do we think inflation is going to be like over the next year or so...."

"...If the Fed keeps lowering rates, it doesn’t necessarily mean mortgages will go down...."

"...It means that they probably could go down more, and they may trend in that direction, even if they don’t move in lockstep...."

"...This ongoing gap between market and Fed expectations means that some risk of upward pressure on mortgage rates remains...."

"...While lower rates will bring some buyers and sellers into the market, today’s cut will not be enough to break up the housing market logjam...."

"...We will need to see further drops in mortgage rates and much slower home price growth, or even home price declines, to make a dent in affordability...."

"...Predicting when mortgage rates will decline and by how much is daunting because so many variables can influence their trajectory from one week to the next...."

"...Home shoppers who can afford to buy at current rates may be better off buying now if they find a property that fits their needs, rather than attempt to time the market...."