Kodupakkumiste puudumine mõjutab hüpoteeklaenude nõudlust

Mortgage rates fell last week, but demand for home loans didn't move higher as a result. Other aspects of today's housing market are outweighing the benefit of lower mortgage rates right now, namely a lack of supply.

Vastava laenujäägiga (30 726,200 dollarit või vähem) 6.40-aastaste fikseeritud intressimääraga hüpoteeklaenude keskmine lepinguintress langes 6.45%lt 0.59%le, kusjuures punktid langesid 0.62-lt 20-le (koos alustustasuga) laenude puhul, mille laenujääk on 7%. makse. See oli vaid kuu aega tagasi olnud üle XNUMX%.

Mortgage applications to purchase a home, however, dropped 4% last week compared with the previous week, according to the Mortgage Bankers Association's seasonally adjusted index. Demand was 35% lower than the same week one year ago.

"Spring has arrived, but the housing market is missing the customary burst in listings and purchase activity that typically mark the season. After four weeks of increasing purchase application activity, volume declined a bit this week even with another small drop in mortgage rates," said Mike Fratantoni, MBA's chief economist.

New listings were down 20% year over year in March, according to Realtor.com, and total inventory was about half of what it was in March 2019, pre-Covid pandeemia.

"Although the mortgage rate for conforming balance loans declined by five basis points over the week to 6.40%, the mortgage rate for jumbo loans increased by nine basis points to 6.36%," added Fratantoni. "While we have seen relative weakness at the high end of the housing market in recent months, the divergence in rates suggests that banks may be tightening credit in response to recent challenges, preserving balance sheet capacity as deposit balances have declined."

Enamik jumbolaene hoitakse pankade bilansis.

Nõudlus Federal Housing Administration ja Veterans Affairs osakonna laenude järele, mida eelistavad madalama sissetulekuga laenuvõtjad madalate sissemaksenõuete tõttu, vähenes rohkem kui tavaliste laenude oma. Kuigi esmakordsete koduostjate nõudlus on suur ja millenniumlased on saavutamas oma kõrgeimat ostuiga, on taskukohasus praegu endiselt väljakutse.

Ka kodulaenu refinantseerimise taotluste arv langes, nädalaga 5% ja 59% vähem kui aasta tagasi samal nädalal. Hüpoteeklaenude refinantseerimise osakaal vähenes eelmise nädala 28.6%lt 29.1%le taotluste koguarvust. Intressimäärad on 150 baaspunkti kõrgemad kui eelmisel aastal samal ajal, seega on vähe laenuvõtjaid, kes saavad nüüd refinantseerimisest kasu.