Mortgage rates increased this week from their historic low. Home buyers and owners looking to refinance shouldn’t expect them to go back down.
Bond yields, which have been increasing steadily since mid-August on hopes for further stimulus and optimism that the economy will rebound once a vaccine is distributed, rose swiftly in the new year, with the benchmark 10-year Treasury yield climbing 22 basis points (one-hundredth of a percentage point) to close as high as 1.15% this week.
That could be an indicator that ultralow mortgage rates—which generally move with the 10-year Treasury yield—have reached their bottom. Mortgage rates ticked up this week to 2.79% from 2.65% the week prior, Freddie Mac reported Thursday. “As Treasury yields have risen, it is putting pressure on mortgage rates to move up,” Sam Khater, Freddie Mac’s chief economist, said.
https://www.barrons.com/articles/get-ready-for-higher-mortgage-rates-heres-why-51610657544?st=cljrr6j1lqpnabo
下面是美国房贷利率历史图表,能看出2015,2016年房贷利率降到上轮最低,也是新西兰房地产大涨。然后2018年下到2019上利率最高时也是新西兰房产最冷时候。然后2020大放水开始利率降到历史最低,美国新西兰同时大涨。
http://www.freddiemac.com/pmms/pmms30.html
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