Heading into the Holidays, Mortgage Rates Increase
Freddie Mac (FMCC) reported an increase in mortgage rates, with the 30-year fixed-rate mortgage (FRM) averaging 6.72%, up from 6.60% last week and slightly higher than 6.67% a year ago. The 15-year FRM rose to 5.92% from 5.84% last week, compared to 5.95% a year ago.
According to Chief Economist Sam Khater, mortgage rates have fluctuated between 6% and 7% over the past 12 months. Despite higher rates, homebuyers are gradually adapting and showing increased purchase activity.
Freddie Mac (FMCC) ha riportato un aumento nei tassi ipotecari, con il mutuo a tasso fisso di 30 anni (FRM) che ora media il 6,72%, in aumento dal 6,60% della settimana scorsa e leggermente superiore al 6,67% di un anno fa. Il mutuo a tasso fisso di 15 anni (FRM) è salito al 5,92% rispetto al 5,84% della settimana scorsa, rispetto al 5,95% di un anno fa.
Secondo il capo economista Sam Khater, i tassi ipotecari sono variati tra il 6% e il 7% nel corso degli ultimi 12 mesi. Nonostante i tassi più elevati, gli acquirenti di abitazioni si stanno adattando gradualmente e mostrano un aumento dell'attività di acquisto.
Freddie Mac (FMCC) informó un aumento en las tasas hipotecarias, con la promediando el 6.72%, un aumento del 6.60% de la semana pasada y ligeramente más alto que el 6.67% de hace un año. La hipoteca a tasa fija a 15 años (FRM) subió al 5.92% desde el 5.84% de la semana pasada, en comparación con el 5.95% de hace un año.
Según el economista jefe Sam Khater, las tasas hipotecarias han fluctuado entre el 6% y el 7% en los últimos 12 meses. A pesar de las tasas más altas, los compradores de vivienda se están adaptando gradualmente y mostrando una mayor actividad de compra.
프레디 맥 (FMCC)은 30년 고정금리 모기지 (FRM)의 평균 금리가 6.72%로, 지난주 6.60%에서 증가하고 작년 6.67%보다 약간 높은 것을 보고했습니다. 15년 고정금리 모기지 (FRM)는 지난주 5.84%에서 5.92%로 상승했으며, 작년 5.95%에 비해 증가했습니다.
수석 경제학자 샘 카터(Sam Khater)에 따르면, 지난 12개월 동안 모기지 금리는 6%와 7% 사이에서 변동해왔습니다. 높은 금리에도 불구하고 주택 구매자들은 점차 적응하고 있으며, 구매 활동이 증가하고 있습니다.
Freddie Mac (FMCC) a signalé une augmentation des taux d'intérêt hypothécaires, avec le prêt hypothécaire à taux fixe de 30 ans (FRM) moyen à 6,72 %, en hausse par rapport à 6,60 % la semaine dernière et légèrement supérieur à 6,67 % il y a un an. Le prêt hypothécaire à taux fixe de 15 ans (FRM) a augmenté à 5,92 % contre 5,84 % la semaine dernière, par rapport à 5,95 % il y a un an.
Selon le chef économiste Sam Khater, les taux hypothécaires ont fluctué entre 6 % et 7 % au cours des 12 derniers mois. Malgré des taux plus élevés, les acheteurs de maison s'adaptent progressivement et montrent une activité d'achat en hausse.
Freddie Mac (FMCC) meldete einen Anstieg der Hypothekenzinsen, wobei die 30-jährige Festhypothek (FRM) im Durchschnitt bei 6,72% liegt, ein Anstieg von 6,60% in der letzten Woche und leicht höher als 6,67% vor einem Jahr. Die 15-jährige FRM stieg auf 5,92% von 5,84% in der letzten Woche, im Vergleich zu 5,95% vor einem Jahr.
Laut dem Chefökonom Sam Khater haben die Hypothekenzinsen in den letzten 12 Monaten zwischen 6% und 7% geschwankt. Trotz höherer Zinsen passen sich die Immobilienkäufer allmählich an und zeigen eine steigende Kaufaktivität.
- Increasing homebuyer adaptation to higher rates leading to additional purchase activity
- Mortgage rates remain stable within 6-7% range over past 12 months
- 30-year FRM increased by 12 basis points week-over-week to 6.72%
- 15-year FRM increased by 8 basis points week-over-week to 5.92%
MCLEAN, Va., Dec. 19, 2024 (GLOBE NEWSWIRE) -- Freddie Mac (OTCQB: FMCC) today released the results of its Primary Mortgage Market Survey® (PMMS®), showing the 30-year fixed-rate mortgage (FRM) averaged 6.72 percent.
“This week, mortgage rates crept up to a similar average as this time in 2023,” said Sam Khater, Freddie Mac’s Chief Economist. “For the most part, mortgage rates have moved between 6 and 7 percent over the last 12 months. Homebuyers are slowly digesting these higher rates and are gradually willing to move forward with buying a home, resulting in additional purchase activity.”
News Facts
- The 30-year FRM averaged 6.72 percent as of December 19, 2024, up from last week when it averaged 6.60 percent. A year ago at this time, the 30-year FRM averaged 6.67 percent.
- The 15-year FRM averaged 5.92 percent, up from last week when it averaged 5.84 percent. A year ago at this time, the 15-year FRM averaged 5.95 percent.
The PMMS® is focused on conventional, conforming, fully amortizing home purchase loans for borrowers who put 20 percent down and have excellent credit. For more information, view our Frequently Asked Questions.
Freddie Mac’s mission is to make home possible for families across the nation. We promote liquidity, stability, affordability and equity in the housing market throughout all economic cycles. Since 1970, we have helped tens of millions of families buy, rent or keep their home. Learn More: Website | Consumers | X | LinkedIn | Facebook | Instagram | YouTube
MEDIA CONTACT:
Angela Waugaman
(703)714-0644
Angela_Waugaman@FreddieMac.com
A photo accompanying this announcement is available at https://www.globenewswire.com/NewsRoom/AttachmentNg/7eaa0ecf-3740-4672-9865-fd8facee95b5
FAQ
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