美联储理事米兰（Stephen Miran）呼吁大幅降低利率以支持美国劳动力市场，他认为当前货币政策过于 紧缩，正在推高失业率。 周二，美联储理事米兰在接受媒体采访时表示，美国经济需要大幅降息，现行货币政策"阻碍了经济发 展"，并将失业率逐步推高。 米兰主张通过一系列50个基点的降息，尽快将利率降至中性水平。他明确指出失业率攀升是货币政策过 紧的直接结果。 不过米兰也承认，随着降息进程的推进，快速行动的必要性将会降低。他对2026年经济前景表达了相对 乐观的态度，并强调几乎所有的通胀超标都是"幻觉"，主要源于住房市场的供需失衡和货币政策的滞后 效应。 金融市场目前预计美联储将在12月9日至10日的会议上降息25个基点，将联邦基金利率目标区间从目前 的3.75%至4%进一步下调。 劳动力市场疲软成降息主要理由 米兰将失业率上升直接归因于过紧的货币政策。他表示： 我们必须认识到失业率一直在上升，这是货币政策过于紧缩的结果。 最新数据显示，9月份失业率从8月的4.3%升至4.4%。 他警告称，如果美联储不继续以相当快的速度降息，货币政策将"扼杀所有积极发展的萌芽"，劳动力市 场将无法实现应有的复苏。Miran强调： ...

Mortgage rates have been fluctuating slightly up and down for weeks. The average 30-year fixed mortgage rate is 6.11%, according to Zillow. Meanwhile, the 15-year fixed rate is 5.62%. Current mortgage rates Here are the current mortgage rates, according to the latest Zillow data: 30-year fixed: 6.11% 20-year fixed: 5.94% 15-year fixed: 5.62% 5/1 ARM: 6.17% 7/1 ARM: 6.08% 30-year VA: 5.58% 15-year VA: 5.33% 5/1 VA: 5.32% Remember, these are the national averages and rounded to the nearest hun ...

November 20, 2025 10:16 AM GMT China | Asia Pacific Mortgage Relief: The Next Housing Lifeline? Beijing is mulling over interest subsidy support to cut mortgage costs without squeezing banks – aiming to cover listings, stabilize prices, and buy time for a slow, demand-leaning reset. We see 2027 as a year of lowflation. Key Takeaways Why now? Housing prices have declined more sharply, risking a "higher listings/ lower prices" feedback loop and amplifying ongoing deflationary pressures. A deeper housing downt ...

Mortgage rates rose slightly today. According to Zillow, the average 30-year fixed rate is six basis points higher at 6.15%, while the 15-year fixed rose the same six basis points to 5.60%. With all of the minor moves up and down, rates are about where they were at the beginning of the month. Today's mortgage rates Here are the current mortgage rates, according to the latest Zillow data: 30-year fixed: 6.15% 20-year fixed: 5.97% 15-year fixed: 5.60% 5/1 ARM: 6.28% 7/1 ARM: 6.03% 30-year VA: 5.60% ...

Core Viewpoint - Billionaire investor Bill Ackman proposed a three-step plan to help the Trump administration achieve its goals for Fannie Mae and Freddie Mac, which are under government control since the 2008 financial crisis [1][12]. Group 1: Fannie Mae and Freddie Mac Overview - Fannie Mae and Freddie Mac are government-sponsored enterprises that play a crucial role in the U.S. housing-finance system by buying mortgages, bundling them into securities, and guaranteeing those securities for investors [3]. - These two entities currently back or own approximately half of all U.S. residential mortgages, amounting to about $12 trillion in outstanding debt [4]. Group 2: Ackman's Proposed Plan - The first step of Ackman's plan is to acknowledge that the bailout has been repaid, as Fannie and Freddie have sent hundreds of billions of dollars in profits to the U.S. Treasury, exceeding the amount received during the 2008 rescue [6]. - The second step involves making taxpayers the official owners of Fannie Mae and Freddie Mac by exercising government warrants that allow the purchase of up to 79.9% of each company's stock [7]. - The third step is to return Fannie Mae and Freddie Mac to the stock market, as they meet the requirements for relisting after being removed from the New York Stock Exchange during the 2008 financial crisis [10]. Group 3: Financial Implications - If Ackman's plan is implemented, taxpayers would own a 79.9% stake in Fannie Mae and Freddie Mac, which could represent a value of over $300 billion [11].

Mortgage rates were over 7% in January. Today, the average 30-year fixed mortgage rate is 6.07%, according to Zillow. Meanwhile, the 15-year fixed rate is 5.54%. With rates so favorable, will you choose a 30- or 15-year fixed term? See our comparisons below. Current mortgage rates Here are the current mortgage rates, according to the latest Zillow data: 30-year fixed: 6.07% 20-year fixed: 5.99% 15-year fixed: 5.54% 5/1 ARM: 6.21% 7/1 ARM: 6.29% 30-year VA: 5.60% 15-year VA: 5.22% 5/1 VA: 5.20% ...

Mortgage rates have been generally trending lower for months. According to Zillow data, the current 30-year fixed mortgage rate is 6.07%. With such a favorable trend, mortgage refinancing has increased by a staggering 150% year over year. Current mortgage rates Here are the current mortgage rates, according to the latest Zillow data: 30-year fixed: 6.07% 20-year fixed: 5.99% 15-year fixed: 5.54% 5/1 ARM: 6.21% 7/1 ARM: 6.29% 30-year VA: 5.60% 15-year VA: 5.22% 5/1 VA: 5.20% Remember, these a ...

Mortgage rates remain mostly unchanged. According to Freddie Mac, the national average 30-year fixed mortgage rate rose two basis points this week to 6.24% — more than a half-point lower than one year ago. The 15-year rate ticked down one basis point to 5.49%, 49 basis points lower than last year at this time. Current mortgage rates Here are the current mortgage rates, according to the latest Zillow data: 30-year fixed: 6.10% 20-year fixed: 6.08% 15-year fixed: 5.60% 5/1 ARM: 6.39% 7/1 ARM: 6.51% ...

Mortgage rates have churned, but there's been little movement. According to Zillow, the average 30-year fixed mortgage rate is 6.13%. That's about where it was a week ago. The 15-year fixed rate is 5.59%, down a bit since last Thursday. Meanwhile, 10-year Treasury notes have also been running mostly in place, but are down slightly over the past week. Today's mortgage rates Here are the current mortgage rates, according to the latest Zillow data: 30-year fixed: 6.13% 20-year fixed: 6.04% 15-year fix ...

Core Insights - ABN AMRO reported a net profit of EUR 617 million for Q3 2025, with a return on equity of 9.5% [4][10] - The bank's acquisition of Hauck Aufhäuser Lampe (HAL) contributed positively to profits, adding EUR 26 million [4] - The acquisition of NIBC is expected to enhance profitability and generate a return on invested capital of around 18% [11] Financial Performance - Net interest income increased by EUR 48 million to EUR 1,580 million compared to the previous quarter [6] - Fee income rose, with HAL contributing approximately EUR 50 million [6] - Operating income decreased by 4% year-on-year to EUR 2,169 million [17] Cost Management - The bank reduced its workforce by 700 FTEs in Q3 2025, contributing to cost discipline [7] - Operating expenses increased by 6% to EUR 1,409 million, with personnel expenses rising by 10% [18] Market Position - ABN AMRO's market share in Dutch mortgage origination increased to 19%, with a mortgage portfolio growth of EUR 2.1 billion [5] - The housing market in the Netherlands remains strong, with prices stabilizing after earlier increases [3] Strategic Developments - The acquisition of NIBC is aligned with ABN AMRO's strategy for profitable growth and optimizing capital allocation [9] - The bank plans to focus on its core mortgage brands and discontinue the Moneyou brand [12] Capital Position - The CET1 ratio stood at 14.8% at the end of Q3 2025, with a share buyback of EUR 250 million completed in September [10][13] - The impact of the NIBC acquisition on the CET1 ratio is expected to be approximately 70 basis points at closing [11]