仅事实
利率下降推动抵押贷款申请增加
摘要
随着利率达到三个月来的最低水平，抵押贷款申请量有所增加。
近期利率的下降导致抵押贷款需求增加。根据抵押贷款银行家协会（MBA）经过季节性调整的指数，上周总抵押贷款申请量较前一周增长了9.4%。上周的数据已对七月四日假期进行了调整。
30年期固定利率符合贷款余额（不超过806,500美元）的平均合同利率从6.79%降至6.77%。对于首付20%的贷款，点数保持在0.62，包括贷款发起费。这是三个月来的最低平均利率。
- 申请再融资房贷的数量本周增长了9%，比去年同期增长了56%。
- 购买房屋的抵押贷款申请本周也增长了9%，比去年同期增长了25%。
MBA副总裁兼副首席经济学家乔尔·坎表示：“购房者需求受到住房库存增加和房价增长放缓的影响。购买申请的平均贷款金额为432,600美元，是自2025年1月以来的最低水平。”
购买抵押贷款需求历来与房屋销售趋势相符，但当前市场状况包含多个非典型因素。消费者信心波动，新房和现有房屋的合同取消率较高。代表已签合同的待售房屋销售增长速度未能与抵押贷款需求同步。
根据Mortgage News Daily的另一项调查，抵押贷款利率在七月四日假期前开始再次上升，本周持续上涨。但这不一定表明利率将持续上升趋势。
Mortgage News Daily首席运营官马修·格雷厄姆写道：“我们经常观察到在持续趋势之后出现反向波动。六月出现了这样的趋势，使利率降至数月来的最低水平。除六月最后几天外，今日利率仍是自四月底以来的最低水平。”
来源
CNBC相关新闻
事实核查
使用外部来源和数据库核实文章的事实。
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Not Confirmed
Total mortgage application volume rose 9.4% last week compared to the previous week, according to the Mortgage Bankers Association's seasonally adjusted index.
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Not Confirmed
The average contract interest rate for 30-year fixed-rate mortgages with conforming loan balances ($806,500 or less) decreased to 6.77% from 6.79%.
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Confirmed
This was the lowest average rate in three months.
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Applications to refinance a home loan increased by 9% for the week and were 56% higher than the same week one year ago.
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Not Confirmed
Applications for a mortgage to purchase a home also increased by 9% for the week and were 25% higher than the same week one year ago.
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Unverified
The average loan size on a purchase application, at $432,600, was at its lowest since January 2025.
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Confirmed
Mortgage rates began to increase again just before the July Fourth holiday and have continued to rise this week, according to a separate survey from Mortgage News Daily.
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Confirmed