美国8月二手房销售年化速率小幅下降降息推动住房成交逐步修复

Group 1 - The National Association of Realtors (NAR) reported a slight decrease of 0.2% in the annualized sales rate of existing homes in the U.S. for August, totaling 4 million units [2] - The median home price increased by 2% year-over-year to $422,600, marking the 26th consecutive month of year-over-year price increases [2] - NAR's Chief Economist Lawrence Yun indicated that the housing market has been sluggish due to high mortgage rates and limited inventory, but a decrease in mortgage rates and an increase in available listings are expected to boost sales in the coming months [4] Group 2 - According to a report from China International Capital Corporation (CICC), the main variable affecting the U.S. economy and housing market is interest rates, and a successful implementation of interest rate cuts could positively influence expectations for households and businesses [4] - CICC noted that while U.S. home prices reached a historical high in 2021 and have remained elevated since 2022, the actual growth rate has turned negative, suggesting limited future potential for real price appreciation [4] - The average rate for a 30-year fixed mortgage recently fell to 6.58%, the lowest since last fall, but remains significantly higher than levels seen during the early recovery phase post-pandemic [4]