Group 1 - South Korea will utilize all available tools to stabilize housing prices [1] - The total household loan target for financial institutions will be halved [1] - The mortgage loan limit for the Seoul area will be set at 600 million KRW [1]

Group 1 - The core point of the article is that the average rate for a 30-year fixed mortgage in the United States decreased to 6.77% from the previous value of 6.81% [1] Group 2 - The current mortgage rate of 6.77% indicates a slight decline, which may influence housing market dynamics and borrowing costs for consumers [1]

Core Viewpoint - The U.S. housing market remains constrained due to affordability issues, despite a slight increase in existing home sales in May 2023, reflecting the ongoing challenges faced by buyers [1][3]. Group 1: Sales Data - In May 2023, existing home sales totaled an annualized 4.03 million units, exceeding expectations of 3.95 million units and slightly up from the previous month's 4 million units [1]. - Month-over-month, existing home sales increased by 0.8%, contrary to the expected decline of 1.3% [1]. - Year-over-year, existing home sales decreased by 4% [1]. - May 2023 marked only the second increase in existing home sales this year, yet it represented the weakest May performance since 2009 [1]. Group 2: Inventory and Prices - Housing inventory rose by 6.2% in May, reaching 1.54 million units, the highest level in five years [1]. - The median sales price in May increased by 1.3% year-over-year to $422,800, setting a record for the same period [2]. - Over the past five years, home prices have cumulatively risen by 51% [2]. - Despite an increase in inventory, home prices have not declined significantly, indicating a resilient market overall [2]. Group 3: Market Dynamics - High mortgage rates, currently near 7%, are identified as a primary factor contributing to low sales volumes, with expectations of rates remaining above 6% for at least the next year [1][3]. - The luxury market, defined as homes priced at $1 million or more, is experiencing sales performance that is not superior to lower-priced homes [4]. - In May, 60% of homes sold within a month of listing, consistent with April's figures, while 28% sold above the listing price, down from 30% in May of the previous year [4]. - The South region saw a 1.7% increase in existing home sales, with an annualized sales volume of 1.84 million units, while the West region experienced a 5.4% decline [4]. Group 4: Buyer Composition - Individual investors or buyers of second homes accounted for 17% of sales in May, up from 15% in April, while cash transactions made up 27% of total sales [4]. - First-time homebuyers represented 30% of the sales volume, indicating their ongoing efforts to enter the market [4]. - Existing home sales constitute approximately 90% of the U.S. real estate market sales volume, with data reflecting decisions made in the preceding months [4].

房地美：美国上周30年期按揭贷款/抵押贷款利率6.81%，创5月中旬以来新低，前值6.84%。 ...

Group 1 - The total amount of newly approved residential mortgage loans in Macau increased by 13.8% month-on-month to 880 million MOP in April 2025, with the residential portion rising by 6.8% to 820 million MOP [1] - The average monthly amount of newly approved residential mortgage loans from February to April 2025 was 790 million MOP, a decrease of 15.7% compared to the previous period [1] - Newly approved commercial property loans decreased by 22.1% month-on-month to 1.52 billion MOP, with the residential portion dropping by 45.6% to 1.01 billion MOP [1] Group 2 - As of the end of April 2025, the total outstanding residential mortgage loans decreased by 0.6% month-on-month to 214.39 billion MOP, a year-on-year decrease of 5.3% [2] - The outstanding commercial property loans amounted to 148.08 billion MOP, reflecting a month-on-month decrease of 0.3% and a year-on-year decrease of 5.2% [2] - The residential portion of outstanding residential mortgage loans accounted for 96.7% of the total [2] Group 3 - The residential mortgage loan delinquency ratio remained stable at 3.6% as of the end of April 2025, with a year-on-year increase of 0.1 percentage points [3] - The commercial property loan delinquency ratio was 5.5%, showing an increase of 0.1 percentage points month-on-month and 2.1 percentage points year-on-year [3] - Residential mortgage loans are secured by residential properties within the Macau SAR, while commercial property loans are secured by commercial properties within the same region [3]

房地美：美国上周30年期按揭贷款/抵押贷款利率6.84%，前值6.85%。 ...

智通财经6月6日电，据美国联邦住宅贷款抵押公司房地美，美国上周30年期按揭贷款/抵押贷款利率报 6.85%，前值为6.89%。 ...

Core Viewpoint - The mortgage rates in the United States have increased slightly, with the 30-year fixed mortgage rate reaching 6.89%, up from the previous rate of 6.86% [1] Group 1 - The current 30-year mortgage rate is 6.89% [1] - The previous mortgage rate was 6.86% [1]

房地美：美国上周30年期按揭贷款/抵押贷款利率6.89%，前值6.86%。 ...

Core Insights - The April pending home sales index in the U.S. fell by 6.3% month-over-month, marking the largest decline since September 2022, with expectations of a 1% decrease and a previous increase of 6.1% [2] - Year-over-year, the pending home sales index dropped by 3.5%, contrary to expectations of a 2.7% increase and a previous decline of 0.1% [2] Regional Performance - The pending home sales in the Western region decreased by 8.9%, the largest drop in two and a half years [3] - The South, the largest housing market in the U.S., saw a 7.7% decline in pending sales [3] - The Midwest region experienced a 5% decrease in pending home sales [3] Market Analysis - The decline in the pending home sales index indicates a disappointing performance for the spring selling season in the U.S. secondary housing market, as potential buyers are deterred by high home prices and mortgage costs [4] - NAR's chief economist, Lawrence Yun, highlighted that the core issue is the high mortgage rates, currently around 7%, which are beyond the affordability range for buyers. He suggested that only a reduction to around 6% could revitalize the market [4] - Despite an increase in housing supply, it has not led to a rise in transaction volumes, with Yun stating that lower mortgage rates are essential to attract buyers back to the market [4] - Economists noted that the pending home sales, a leading indicator, have become less reliable due to unstable conversion rates from contracts to final sales [4] - The cancellation rate for pending home sales rose to 7% from January to April 2024, the highest level this year [4]