加密货币大消息！美住房监管主管要求“两房”做好准备

Core Insights - The Federal Housing Finance Agency (FHFA) has issued a directive allowing Fannie Mae and Freddie Mac to officially consider cryptocurrencies as an asset in single-family mortgage risk assessments [1][2] - This marks the first time cryptocurrencies have been integrated into the core U.S. housing loan system, aligning with the vision of making the U.S. a global hub for cryptocurrency [1] - The directive requires that only digital assets stored in U.S. regulated centralized exchanges and verifiable can be considered, and it mandates the development of internal adjustment plans to manage market volatility [2] Group 1 - The directive aims to broaden the dimensions of credit assessment for borrowers, potentially opening financing opportunities for more homebuyers [3] - It recognizes cryptocurrencies as a mainstream investment option alongside stocks and bonds, which could significantly alter the lending landscape [3] - The policy is expected to expand the pool of qualified buyers by allowing individuals who previously had to liquidate crypto assets to meet credit standards to now qualify for loans directly [3] Group 2 - Fannie Mae and Freddie Mac, which were placed under government control in September 2008, are crucial to the U.S. housing market, backing approximately $12 trillion in home loans [3] - The acceptance of cryptocurrencies as collateral could lead to significant changes in banking rules and practices, particularly in how lenders assess borrower qualifications [3] - The U.S. housing market has been struggling since early 2022, with mortgage rates rising and home sales hitting a nearly 30-year low, indicating a challenging environment for potential homebuyers [3]