有分析师指出，特朗普这一政策的实际效果可能有限。根据房地美8日的数据，美国30年期固定抵押贷 款平均利率为6.16%。而对于那些在2020年至2021年以3%甚至低于这一水平的利率贷款买房的房主而 言，当前超过6%的购房利率极大地抑制了他们换房的意愿，导致二手房市场交易量不高。此外，高昂 的建筑成本也导致新房建设持续低迷，进一步加重美国民众购房难的问题。 特朗普8日在社交媒体上发文称，自己已指示美国两大住房抵押贷款巨头房利美（Fannie Mae）和房地 美（Freddie Mac）购买2000亿美元的抵押贷款债券，并声称此举旨在推动抵押贷款利率下降，以降低 美国民众的购房成本和月供。不过，声明中并未明确说明具体操作方以及执行细节。房利美和房地美是 美国政府支持的两家非银行住房抵押贷款公司。 （央视财经《天下财经》）美国总统特朗普当地时间8日表示，他已指示美国两大抵押贷款机构大量购 买抵押贷款债券，此举被其视为在11月中旬选举前降低美国住房成本的最新举措。 转载请注明央视财经 编辑：令文芳 ...

Core Viewpoint - The FHFA has directed Fannie Mae and Freddie Mac to prepare for recognizing cryptocurrency as an asset for mortgage applications, aligning with the vision of making the U.S. a "cryptocurrency capital" [1][2] Group 1: Regulatory Changes - The directive indicates a significant shift in asset verification standards for mortgage qualification, potentially increasing access for buyers with cryptocurrency assets [1][3] - The FHFA's move is seen as a response to the declining mortgage application numbers amid a housing crisis in the U.S. [2][3] Group 2: Market Impact - Following the announcement, Bitcoin reached a historic high of $108,000, while Ethereum and Solana experienced slight declines [2] - The recognition of cryptocurrency could open up substantial federal loan opportunities, as evidenced by the 760,000 personal housing loans worth $230 billion issued in 2024 [3] Group 3: Challenges and Considerations - The volatility of cryptocurrencies poses risks, with significant price fluctuations complicating the risk assessment models for loans backed by such assets [4] - Experts caution that borrowers using cryptocurrencies as collateral must maintain thorough transaction records due to the potential for rapid changes in net worth [4]

Core Viewpoint - The listing plans of Fannie Mae and Freddie Mac are generating significant attention and confusion on Wall Street, with uncertainties surrounding the implementation and potential impacts of these plans following their government takeover after the 2008 financial crisis [1] Group 1: Government Conservatorship Complexity - Fannie Mae and Freddie Mac were placed under government conservatorship during the 2008 financial crisis, receiving approximately $187.5 billion in support to prevent a housing market collapse [3] - The current financial status of both institutions has improved significantly, with ample cash flow and good operating conditions [3] - New guidelines from the U.S. Treasury and the Federal Housing Finance Agency have granted the Treasury final approval authority for ending the conservatorship, aiming to ensure an orderly transition away from government control [3] - The process of ending conservatorship involves complex legal procedures, capital restructuring plans, and regulatory framework adjustments, each of which could impact the timeline for implementation [3] Group 2: Market Reaction and Risk Assessment - The stock prices of Fannie Mae and Freddie Mac have experienced significant volatility, with increases of 570% and 470% respectively since 2025, reflecting strong market reactions to privatization expectations [3] - Following the election of Trump, the stock prices surged by 143% and 116% within a month, indicating concentrated investment risks [3] - Moody's recently downgraded the long-term senior unsecured debt ratings of both institutions from the highest level to the second highest, with a stable outlook, reflecting a relative weakening of government support capabilities [4] - Fannie Mae and Freddie Mac account for approximately 50% of the U.S. residential real estate market, with this proportion exceeding 80% since the subprime crisis, holding and guaranteeing assets totaling about $5.5 trillion [4] - Any structural changes in these institutions could impact mortgage rates and, consequently, the stability of the entire real estate market [4]

Core Viewpoint - The U.S. President Trump is seriously considering the public listing of Fannie Mae and Freddie Mac, which could significantly impact the U.S. housing market and mortgage rates [1][3]. Group 1: Government and Housing Market - Fannie Mae and Freddie Mac are government-sponsored enterprises established by Congress to provide stability and continuous support to the housing mortgage market, enhancing the availability of housing loans [4]. - These two institutions together guarantee approximately half of the existing housing loans in the U.S. and have been under government control since the 2008 financial crisis [3][4]. Group 2: Economic Implications - Trump's statement indicates a renewed focus from the White House on the future of these institutions, with expectations that they may exit federal conservatorship during his second term [3]. - Analysts warn that any structural changes to Fannie Mae and Freddie Mac could pose risks to the U.S. economy and potentially increase mortgage rates, especially in the current environment of high interest rates and low affordability [1][3].