在沈阳市政府新闻办7日举行的发布会上获悉，为深入贯彻中央经济工作会议精神，更好支持刚性和改 善性住房需求，经沈阳住房公积金管理委员会审议通过，2026年1月起优化5项住房公积金贷款政策，具 体内容如下： 一是延长最低首付款比例政策期限。将2024年11月实施的住房公积金贷款最低首付款比例15%的政策适 用期限延长至2026年12月31日。 二是延长住房公积金贷款中住房套数认定标准政策期限。将2025年7月实施的使用过2次及以上住房公积 金贷款，结清后再贷款政策适用期限延长至2026年12月31日。 三是放宽灵活就业等群体"商转公"贷款中原商贷已偿还年限。灵活就业缴存人、异地缴存职工和现役军 人申请"商转公"贷款，不再限制原商贷已偿还年限。 四是提高"商转公"贷款比例限额。"商转公"贷款比例限额由房屋价格的60%提高到房屋价格的80%。 五是放宽新市民、青年人住房贷款支持政策。新市民、青年人住房公积金贷款限额提高到1.3倍政策的 适用范围，由新建商品房放宽到新建商品房和二手自住住房。 资讯编辑：周小燕 021-26096760 资讯监督：乐卫扬 021-26093827 资讯投诉：陈跃进 021-2609310 ...

Key Takeaways Investor activity in the housing market can make it more difficult for ordinary homebuyers to compete for homes. President Donald Trump provided the first details of his plan for "aggressive†reforms to the housing market on Wednesday. Trump wrote in a social media post that he is taking steps to ban large institutional investors from purchasing single-family homes. He also said he is asking Congress to write it into law. "People live in homes, not corporations,†he wrote. Why This Matters for t ...

Core Insights - The American dream of homeownership is increasingly out of reach due to rising mortgage rates and home prices, with the average age of first-time home buyers reaching an all-time high of 40 years [1] - The share of first-time buyers has decreased by 50% since 2007, highlighting the lack of affordable housing inventory [2] - Experts believe that significant improvements in housing affordability are unlikely in the near future, despite temporary drops in mortgage rates [2] Mortgage Rates and Affordability - Current mortgage rates are approximately 6.15%, which would need to drop to 2.65% for affordability to improve [4] - To achieve affordability, median household income would need to rise by 56% to $132,171, while current income stands at $84,763 [4] - Home prices would need to decline by 35% to $273,000 from the current $418,000, a significant drop given that home prices have increased over 50% in the past six years [4] Market Realities - Proposed solutions for improving housing affordability are deemed unrealistic given current market conditions [5] - The mortgage market is now more regulated, with many homeowners having substantial equity, and a significant portion of homes (over 30 million) are owned outright without mortgages [7][8] - The share of homeowners without a mortgage has increased to 40% in 2023, up from 33% in 2010, indicating a trend towards conservative borrowing [8] Future Projections - The housing market is expected to remain stagnant regarding affordability unless there is rapid income growth, significant declines in mortgage rates, or substantial drops in home prices, all of which are considered unlikely [9] - Realtor.com forecasts only a minor 0.3% drop in mortgage rates and a 2.2% year-over-year increase in home prices, with wage growth projected at just 3.4% [9] - Even if any of these factors improve, increased demand could lead to rising prices, complicating the affordability issue further [10][11]

Core Insights - The American dream of homeownership is increasingly out of reach due to rising mortgage rates and home prices, with the average age of first-time home buyers reaching an all-time high of 40 years [1] - The share of first-time buyers has decreased by 50% since 2007, highlighting the lack of affordable housing inventory [2] - Experts believe that significant improvements in housing affordability are unlikely in the near future, despite temporary drops in mortgage rates [2] Mortgage Rate and Income Analysis - Current mortgage rates are approximately 6.15%, which would need to fall to 2.65% for affordability to improve [4] - The median household income required for affordability is $132,171, while the current median is only $84,763 [4] - Home prices would need to decrease by 35% to $273,000 from the current $418,000 to achieve affordability [4] Market Realities - The options for making housing affordable, such as drastic reductions in mortgage rates or home prices, do not align with current market conditions [5] - Historical wage increases of over 50% have not been seen since post-World War II, indicating that significant wage growth is unlikely to occur in the near term [6]

Core Insights - Home sales are expected to remain low in 2025 due to high housing costs and elevated mortgage rates, but slight improvements in affordability are anticipated for 2026, potentially creating opportunities for buyers [2][4] Mortgage Rates - Mortgage rates peaked at over 7% in early 2025 but eased to around 6.2% in the latter half of the year, providing some relief to buyers [3] - Experts predict mortgage rates will stabilize between 6% and 6.5% in 2026, with a modest decline expected to improve affordability [5][6] - The Federal Reserve has reduced interest rates by 1.75 percentage points since September 2024, but mortgage rates have not decreased correspondingly, indicating a disconnect between short-term and long-term rates [6][7] Housing Market Trends - Housing prices vary significantly across the U.S., with coastal and Northeast cities remaining high-cost areas, while some Southern and Midwestern cities offer more affordable options [8][9] - Cities like Cleveland, Cincinnati, and Detroit are highlighted as having more reasonable housing prices despite experiencing faster growth rates [9][10] Financing Options - The popularity of adjustable-rate mortgages (ARMs) is increasing, with about 10% of borrowers opting for them in September, compared to a historical average of 6% [11] - ARMs can provide lower initial rates, making them an attractive option for buyers facing affordability challenges [12][13] New Home Sales - Sales of newly constructed homes are outpacing existing homes, with new homes sold at an average price of $413,500, compared to $422,600 for existing homes [14][15] - Builder incentives, such as mortgage rate buy-downs and reduced closing costs, are making new homes more competitive in pricing [16]

Bim / Getty Images Housing affordability remained a stubborn problem in 2025 as mortgage rates stayed elevated and prices peaked. Key Takeaways Affordability problems weighed down the housing market in 2025, though there were signs of improvement. Mortgage rates declined somewhat and more listings hit the market, helping to ease some of high expenses of buying a home. Experts predict that mortgage rates will continue to fall in 2026, although housing affordability issues are expected to persist as lo ...

Some housing markets are so expensive that they would still be unaffordable even if rates plummeted. In other areas, a small decline in rates would be enough to make homeownership possible for many buyers. A 2025 Zillow report found that mortgage rates nationwide would need to fall more than. 4% to make the typical home affordable for a median-income family. Currently, the average mortgage rate on a 30-year, fixed- interest loan is around 6.18%. The study assumed a 20% down payment and defined affordability ...

Core Insights - The housing market is facing challenges due to high costs and limited supply, with potential reforms being discussed by President Trump [1][2] - Trump has promised aggressive housing reform plans aimed at reducing mortgage payments and addressing housing affordability [2][4] Housing Market Challenges - Elevated mortgage rates have remained above 6% for over three years, complicating borrowing for homebuyers [3] - A shortage of homes for sale has contributed to sustained high prices in the housing market [3] Government Actions and Proposals - Trump issued an executive order on his first day in office to lower housing costs and expand supply, with discussions around declaring a national housing emergency [5][6] - The administration is exploring ways to reduce closing costs and standardize building codes, as well as potentially lowering tariffs on construction materials [6] Mortgage Innovations - The introduction of a 50-year mortgage loan is being considered, which could lower monthly payments but may increase total borrowing costs [7][8] - A new Federal Reserve chair is expected to be appointed, which could influence interest rates and borrowing costs, although the direct impact on mortgage rates is uncertain [9] Legislative Developments - Bipartisan legislation is being considered in Congress, including the Housing for the 21st Century Act, aimed at encouraging construction and improving housing affordability [10][12] - The legislation seeks to establish federal best practices for local governments to streamline project approvals and raise loan limits for multifamily projects [11][12]

South Agency / Getty Images The total home equity held by Americans age 62 and older hit a record $14.39 trillion in mid-2025. Key Takeaways The median amount of home equity for adults age 65 and older is $250,000, up 47% from pre-pandemic levels. Housing wealth is many retirees' main asset. Almost one in three homeowners age 75 and older now carries a mortgage, triple the rate from 1998. The median mortgage debt is about $107,000 for that age group. If you're like many Americans, your house migh ...

Core Viewpoint - Yantai City is launching a housing "old-for-new" program aimed at facilitating home purchases by providing subsidy vouchers for eligible participants [1][2] Group 1: Program Details - The "old-for-new" program includes two categories of new housing: "old exchange for new" and "selling old to buy new" [1] - Eligible new housing must be legally sellable within Yantai's administrative area and not subject to any transaction restrictions [1] - The subsidy vouchers will be available for application from January 1, 2026, to December 31, 2026, through the Yantai Housing "old-for-new" platform [1] Group 2: Subsidy Voucher Mechanism - The first batch of 2,000 subsidy vouchers will be released on January 1, 2026, with subsequent releases every 15 days [1] - Vouchers must be claimed in real name and are valid until the day before the next batch is issued; unclaimed vouchers will be automatically reissued [1] - Eligible participants must provide relevant documentation, including identification and property sale contracts, to apply for the subsidy [2]