特朗普政府欲救房地产市场稳中期选举，美国房主却只想套现还债？

Core Insights - The Trump administration is planning to take new measures to address the housing affordability crisis in the U.S. in the coming weeks [1][3] - The government is considering declaring a national housing emergency this fall to tackle rising home prices and supply shortages [3][4] - The current housing market challenges are significant, with high mortgage rates and increased rental costs affecting potential homebuyers [3] Group 1: Government Actions - The administration is exploring ways to simplify permitting and encourage standardized local building and zoning regulations to boost housing supply [3] - There is a push for the Federal Reserve to lower interest rates to alleviate the financial burden on the housing market [3][6] Group 2: Homeowner Behavior - A growing number of homeowners are opting for cash-out refinancing to pay off debts, with this type of refinancing accounting for 59% of all refinancing transactions in Q2 [5][6] - The average cash-out refinancing transaction results in homeowners taking on higher mortgage rates, with about 70% of recent cash-out refinancers facing increased rates [7] Group 3: Financial Context - U.S. consumer non-mortgage debt reached a record $5.44 trillion, with significant increases in credit card and auto loan balances [6] - Homeowners are facing negative cash flow situations, prompting them to leverage home equity despite the potential for higher mortgage rates [6][7]