数据显示，圣地亚哥县现有独栋住宅的销售量在7月比6月增长了3.8%。这一增长与加州全州的情况形成鲜明对比——全州7月的房屋销量比6月下 降了1%，与去年同期相比更是下跌了4.1%。 尽管加州全州的房市表现疲软，但圣地亚哥县的房地产市场却呈现出逆势增长的态势。根据加州房地产经纪人协会（California Association of Realtors）的最新数据，圣地亚哥的房价和销量在7月份双双上涨，成为全州房产市场中的一抹亮色。 加州房地产经纪人协会主席希瑟·奥祖尔（Heather Ozur）表示，7月份全州房地产市场的放缓，是因为一些买家在观望，等待市场和宏观经济出现 更多确定性。 然而，她也指出一个积极信号：抵押贷款利率最近已降至去年10月以来的最低水平，这已经促使购房申请有所增加。如果这一趋势持续，预计未 来几个月将有更强的买家活动和需求。 更引人注目的是房价。7月份，圣地亚哥县独栋住宅的销售价格中位数达到104万美元，比6月的102.5万美元上涨了1.5万美元，也高于2024年7月的 102万美元。这表明，在全州房价中位数微跌（7月全州中位价为884,050美元，环比下跌1.7%）的情况下，圣地亚哥 ...

Group 1 - Marc Sumerlin, a potential candidate for the next Federal Reserve Chair, advocates for a significant interest rate cut next month, warning that rising long-term Treasury yields could halt this action [1][2] - Sumerlin identifies the real estate sector as the weakest link in the current market, emphasizing the need to prevent long-term interest rates from rising [1] - He notes that the Federal Reserve has a 50 basis point room for a rate cut based on the current yield curve, with the target range for the overnight rate at 4.25%-4.5% and the six-month Treasury yield at 3.94% [1] Group 2 - The likelihood of a rate cut in September has increased due to disappointing employment reports, with market pricing indicating over a 90% chance of a cut next month [2] - Sumerlin has been mentioned as a candidate to succeed Jerome Powell as Fed Chair in May next year, having previously served as an economic policy advisor under President George W. Bush [2]

Core Viewpoint - The Federal Reserve Chairman Jerome Powell stated that the Fed cannot control mortgage rates, which are more closely tied to the 10-year U.S. Treasury yield rather than the federal funds rate [1] Group 1: Federal Reserve and Interest Rates - The federal funds rate influences some savings and borrowing rates, but mortgage rates are primarily linked to the 10-year Treasury yield [1] - Despite potential rate cuts by the Federal Reserve, it may not effectively resolve housing market issues [1] Group 2: Housing Market Challenges - The U.S. housing market has been facing a long-term supply shortage since the subprime mortgage crisis [1] - Rising costs of building materials and the forced removal of foreign workers, who are crucial to the industry, have exacerbated the housing inventory shortage [1] - Following the Fed's rate cuts last year, mortgage rates did not decrease; instead, they increased [1]

Core Viewpoint - The article highlights that the average rate for a 30-year fixed mortgage in the United States has decreased to 6.74% [1] Group 1: Mortgage Rates - The current average rate for a 30-year fixed mortgage is reported at 6.74% [1]

金十数据7月23日讯，美国6月成屋销售降幅大于预期，暗示楼市颓势可能进一步加深，因抵押贷款利率 上升和经济不确定性令潜在买家离场观望。周三公布的数据显示，美国6月成屋销售总数年化为393万 户，下降2.7%。分析师此前预计，房屋销售将下滑至400万套。美国房产经纪协会NAR首席经济学家 Lawrence Yun表示，"抵押贷款利率高企导致房屋销售仍停留在周期性低点。如果平均抵押贷款利率下 降到6%，我们的情景分析表明，将有额外的16万租房者成为首次购房者，现有房主的销售活动也会增 加。" 美国6月成屋销售降幅大于预期 ...

Core Viewpoint - The article highlights that the average interest rate for a 30-year fixed mortgage in the United States has risen to 6.75%, indicating a significant increase in borrowing costs for homebuyers [1] Group 1: Interest Rate Trends - The current average interest rate of 6.75% represents a notable increase compared to previous rates, impacting the affordability of mortgages for potential buyers [1] - This rise in mortgage rates is likely to influence the housing market dynamics, potentially leading to a slowdown in home sales and affecting overall housing demand [1] Group 2: Implications for Homebuyers - Higher mortgage rates may deter first-time homebuyers and those with tighter budgets, as monthly payments will increase significantly [1] - The increase in borrowing costs could lead to a shift in buyer preferences, with more individuals considering adjustable-rate mortgages or lower-priced homes [1]

Core Viewpoint - The article reports that the 30-year mortgage rate in the United States has risen to 6.75% according to Freddie Mac [1] Group 1 - The increase in the 30-year mortgage rate indicates a trend in rising borrowing costs for homebuyers [1] - This rate change may impact the housing market dynamics, potentially leading to decreased affordability for buyers [1] - The rise in mortgage rates could also affect refinancing activities among existing homeowners [1]

Core Viewpoint - The recent decline in mortgage rates in the U.S. has led to a significant increase in refinancing applications, marking the lowest rates since early April [1] Group 1: Mortgage Rate Changes - The 30-year fixed mortgage rate decreased by 9 basis points to 6.79% as of the week ending June 27 [1] - The 15-year mortgage rate fell to 6.06%, marking the fourth consecutive week of decline [1] Group 2: Refinancing Activity - The Mortgage Bankers Association's refinancing index rose by 6.5%, reaching its highest level since the week of April 11 [1]

Core Viewpoint - The U.S. Treasury Secretary emphasized that any actions taken regarding Fannie Mae and Freddie Mac will focus on ensuring that mortgage rates do not increase [1] Group 1 - The primary objective of the actions concerning Fannie Mae and Freddie Mac is to stabilize mortgage rates [1]

Group 1 - The overall market conditions index for U.S. home builders has decreased by 2 points to 32, falling below market expectations of 36 and reaching the lowest level since December 2022 [1] - All three key components of the index have declined, indicating significant pressure on the U.S. real estate market and a notable decrease in industry confidence [1][3] - The current sales index has dropped to its lowest point since 2012, reflecting a cooling market sentiment and diminishing confidence among builders regarding quick sales [3] Group 2 - High mortgage rates, with the 30-year fixed mortgage rate hovering around 7%, are suppressing buyers' purchasing power and contributing to the decline in builder confidence [3] - Concerns over rising building material costs, labor shortages, and potential new tariffs are making developers more conservative in their project initiation and pricing strategies [3] - The anticipated delay in interest rate cuts by the Federal Reserve and tightening tariffs on imported building materials could further increase construction costs and compress developers' profit margins [3][4] Group 3 - The current data on U.S. home builders' confidence serves as a barometer for macroeconomic pressures and changes in household purchasing confidence [4] - Without significant adjustments in interest rate policies or targeted housing support measures from the government, the downturn in the construction industry may persist and structurally hinder U.S. economic growth [4]