美房贷利率升至6.1% 创08年房地产大崩盘以来最高水平
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为了遏制40年来最高的通胀水平,美联储正在激进加息,这推高了抵押贷款利率,抑制了美国楼市的需求。
下图数据显示,新冠疫情之初,抵押贷款利率暴跌,然而自从美联储在今年3月开始加息以来,抵押贷款利率在年初已经大涨的基础上继续走高。
今年1月初,美国30年期固定抵押贷款的平均利率为3.25%,而目前已飙升至惊人的6.13%,半年涨近300基点,创自2008年美国房地产大崩盘以来的最高利率水平。
飙涨的利率打击了购房者的信心,抵押贷款申请大幅减少,房屋销售更是已经连续几个月下降。
感受到抵押贷款成本和房价不断上涨的压力,购房者的住房负担能力正在不断下降,并接近历史最低水平。MBA经济学家Joel
Kan表示:
过去两个月,房屋库存持续低迷,抵押贷款利率飙升,导致购房市场受到影响。这些日益恶化的负担能力挑战对潜在的首次购房者来说尤其艰难。
此外值得一提的是,随着抵押贷款利率的上升,每月的抵押贷款还款额也变得更加昂贵。
抵押贷款利率从今年初的3.25%上升到最新的6.13%,这意味着如果一个购房者现在申请35万美元的抵押贷款,未来30年每月需要支付的房贷将从1523美元上涨到2128美元,短短半年内这一数据大幅飙升了40%。
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