购房抵押贷款

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美国购房抵押贷款申请大幅下降 之前一周曾出现激增
news flash· 2025-07-16 11:29
Core Viewpoint - The number of mortgage applications in the U.S. has significantly decreased due to persistently high borrowing costs, reaching the lowest level since late May [1] Group 1: Mortgage Application Trends - The Mortgage Bankers Association (MBA) reported an 11.8% drop in the mortgage application index for the week ending July 11, marking the largest decline since 2022 [1] - This decline follows a 9.4% increase in the previous week, which included the Independence Day holiday, indicating volatility around holiday periods [1] Group 2: Refinancing and Interest Rates - The refinancing mortgage application index fell by 7.4%, after reaching its highest level since April in the prior week [1] - The contract rate for a 30-year fixed mortgage slightly increased by 5 basis points to 6.82% [1] Group 3: Economic Implications - Economists suggest that the ongoing high borrowing costs are constraining affordability, and a decrease in financing costs is crucial for stimulating the real estate market [1]
美国购房抵押贷款申请跃升至两年高位
news flash· 2025-07-09 11:48
Core Insights - The number of mortgage applications for home purchases in the U.S. has surged to its highest level in two years, indicating a strong demand in the housing market despite stable borrowing costs [1] Group 1: Mortgage Application Trends - The Mortgage Bankers Association (MBA) reported a 9.4% increase in the mortgage application index for home purchases for the week ending July 4 [1] - The refinancing index also saw a similar increase, reaching its highest level since April [1]