30年期房贷利率创历史新低：2.98%

房贷金融巨头房地美周四表示，30年期固定抵押贷款的平均利率降至2.98%，是近50年来的最低水平。这是美国最受欢迎的房贷利率连续第三周创下新低，这也是今年第七次破纪录了。冠状病毒大流行颠覆了世界各地的市场，使股市疯狂上涨，美国政府债务的收益率也创下历史新低，但它对30年期房贷的影响尤为显著。根据房地美公司的数据，今年年初30年期抵押贷款的平均利率为3.72%，一年前为3.81%，而现在它已经跌破3%大关。Zillow Group Inc.的经济学家Jeff Tucker说：“（30年期房贷利率）低于3%是一个关键的基准，这也表明我们仍然处于危机之中。”

抵押贷款利率的变动方向往往与10年期国债的收益率相同。当紧张的投资者在经济预测暗淡时，会买入债券等避险资产，收益率会随着价格上涨而下降。10年期国债收益率与30年期抵押贷款利率之间的利差在最近几周有所收窄，主要是因为贷款机构在清理了积压的再融资后有多余的能力处理申请。但Tucker先生表示，比平常更大的差距仍意味着利率还有进一步下降的空间。

The average rate on a 30-year fixed mortgage fell to 2.98%, mortgage-finance giant Freddie Mac said Thursday, its lowest level in almost 50 years of record keeping. It is the third consecutive week and the seventh time this year that rates on America’s most popular home loan have hit a fresh low. The coronavirus pandemic has upended markets around the world, sending stocks on a wild ride and yields on U.S. government debt to record lows, but its effect on the 30-year mortgage is especially significant. Consider its history: In the early 1980s, it peaked above 18% after the Federal Reserve raised rates to fight runaway inflation. Below 3% is a “tremendous benchmark,” said Jeff Tucker, an economist at Zillow Group Inc. “It’s also an indication that we remain in a crisis here.” The average rate on the 30-year mortgage stood at 3.72% at the beginning of the year and 3.81% a year ago, according to Freddie Mac. Mortgage rates tend to move in the same direction as the yield on the 10-year Treasury note. Yields fall as prices rise when nervous investors buy up safe-haven assets like bonds when the economic forecast is darkening. The spread between the yield on the 10-year Treasury and rate on the 30-year mortgage has narrowed in recent weeks, largely because lenders had spare capacity to process applications after clearing a backlog of refinancings. Still, the larger-than-usual gap means there is room for rates to fall even farther, Mr. Tucker said.  source

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