k***a
发帖数: 2400 | 1 摘自CNNMoney：
"Fixed mortgage rates crept up further this week following a solid
employment report for May," said Frank Nothaft, Freddie Mac's chief
economist.
The recent improvement in the employment picture should result in more home
buying, which would pressure rates even higher. Rates have also been going
up because the Federal Reserve has signaled that it might cut back on buying
mortgage-backed securities. If that happens, lenders would likely charge
higher rates to make the securities more attractive to other buyers.
As rate increases push up the cost of home ownership, the impact on the
housing market will be slight, according to Gumbinger, vice president of HSH
.com, a mortgage information company.
But, he added, "Although the size of the increase was [small], it is still
unwelcome as the housing market tries to gain momentum."
The increase will boost monthly mortgage payments for homebuyers by about $
33 for every $100,000 borrowed. Gumbinger said that will discourage some
existing homeowners from refinancing their loans if they already have a
competitive rate but "[It] shouldn't be a major setback for a home purchase
transaction."
But the soaring rates create a double whammy for would-be home buyers, with
home prices also on a rapid rise -- up more than 10% in the 12 months ended
March 31, according to the S&P/Case-Shiller national home price index.
If both trends continue, it could put a damper on a housing market still in
a struggle to put the bust behind it. | T*********s
发帖数: 17839 | 2 经济好转
退出QE
bond跌
利率涨
另外经济好转导致借贷需求增加 | l**********r
发帖数: 4612 | 3 经济好，买房多，房价涨。
经济好，借贷的多，利率涨 | k***a
发帖数: 2400 | 4 影响利率的常见因素：
通货膨胀：
通货膨胀的增长，或未来通胀上升的预期，将利率推高；反之亦然，当通货膨胀率下降
，利率也下降。
美联储：
美联储的介入及其相关政策的制定在某种程度上对利率也会起到一些调节的作用。
失业率：
失业率的降低会预示着抵押贷款利率的上升。通常情况下，较高的失业水平往往导致较
低的通货膨胀率，这使得债券更安全，并允许更高的债券价格。
GDP：
国内生产总值的增长可能会是增加抵押贷款利率升高的信号。
Geopolitics：
不可预见的事件相关的全球性冲突，政治事件，自然灾害往往会降低抵押贷款利率。 |
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