请教美国的 mortgage rate

莉莉

下面会怎么走？请教一下。和股市有关系么？贴个3年的图。

jackie8443

用来调节房价的。房价要再跌下去，坏账就更多了。因此要继续保持低利率，直到经济开始复苏，或货币恶性膨胀吧。

Summerrose

1# 莉莉
Cool图，那里可以找到？
Ben说,现在的mortgage rate是自1940s来最低的.有两个好处：第一，减少月付，使房子变得更offerdable，第二，help homeowners refine, reducing their monthly payment. 至于对股市的影响，世界观不同的人，看法不同。

莉莉

3# Summerrose

http://www.bankrate.com/funnel/graph/

主业上有很多信息http://www.bankrate.com

好像再降下去不太可能了吧？是不是该refinance了？

北京哥哥

瞎说一下

1。从图看，超跌，可能要涨
2。还要看具体放贷银行的情况。理论上说，FED早把利率降到了零，收益TARP的银行又是一大把，但现在房贷利率和前两个利多的因素比明显还是偏高。这可能说明银行还是有问题，或是怕了，所以贷款不够踊跃。

Summerrose

4# 莉莉
谢谢！
至于是否refinance,很难决定。现在refinance了，怕还会降。不refinance,又担心会上升。就象是买股票样，总想买最低点。

balto

go refiance now if you can, always choose no points no fee. If it goes lower three month later, then do it again.

Bigmouth

4# 莉莉


Thanks for sharing.

莉莉

7# balto
谢谢雪狼，说得有道理。

逍遥自在

When mortgage down, bond yield usually also down and the bond price goes up. When bond price in the uptrend, investor usually chase bond and abandon stock market. Bond market is much more bigger than stock market.

There is also some research from ECRI (ECONOMIC CYCLE RESEARCH INSTITUTE). However, they do not use mortgage rate as indicator.

http://www.levy.org/pubs/conf_ap ... ssion5_Achuthan.pdf

莉莉

10# 逍遥自在
有点太极图的味道啊。谢谢分享。

ctcld

Typically, when bond rates (also known as the bond yield) go up, interest rates go up as well. And vice versa. Don’t confuse this with bond prices, which have an inverse relationship with interest rates.