Pomanjkanje seznamov stanovanj vpliva na povpraševanje po hipotekarnih posojilih

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.

Povprečna pogodbena obrestna mera za 30-letne hipoteke s fiksno obrestno mero z ustreznim stanjem posojila (726,200 USD ali manj) se je znižala na 6.40 % s 6.45 %, pri čemer so točke padle na 0.59 z 0.62 (vključno s provizijo za nastanek) za posojila z 20-odstotnim znižanjem plačilo. Še pred enim mesecem je bil več kot 7%.

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.

Po podatkih Realtor.com so se novi oglasi marca medletno zmanjšali za 20 %, skupni inventar pa je bil približno polovica tistega, kar je bil marca 2019, predPandemija covida.

"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."

Večina jumbo posojil je v bančnih bilancah.

Povpraševanje po posojilih zvezne stanovanjske uprave in ministrstva za veterane, ki so jim zaradi nizkih predplačil naklonjeni posojilojemalci z nižjimi dohodki, se je zmanjšalo bolj kot po običajnih posojilih. Čeprav obstaja veliko povpraševanje s strani tistih, ki kupujejo stanovanja prvič, z milenijci, ki dosegajo svojo največjo nakupovalno starost, je cenovna dostopnost trenutno še vedno izziv.

Zmanjšale so se tudi vloge za refinanciranje stanovanjskega posojila, in sicer za 5 % tedensko in 59 % manj kot isti teden pred letom dni. Delež refinanciranja hipotekarnih dejavnosti se je zmanjšal na 28.6 % vseh vlog z 29.1 % prejšnji teden. Obrestne mere so za 150 bazičnih točk višje kot v istem času lani, zato je zelo malo posojilojemalcev, ki lahko zdaj izkoristijo refinanciranje.