Mortgage Rates Continue to Decrease
Freddie Mac reported a decrease in mortgage rates, with the 30-year fixed-rate mortgage averaging 6.69%, down from 6.81% last week and 7.03% a year ago. The 15-year fixed-rate mortgage averaged 5.96%, decreasing from 6.10% last week and 6.29% from the previous year.
Chief Economist Sam Khater noted that despite a modest rate drop, consumer response has been positive with noticeable improvements in purchase demand, though affordability challenges persist. The survey focuses on conventional, conforming home purchase loans for borrowers with 20% down payment and excellent credit.
Freddie Mac ha riportato un calo dei tassi ipotecari, con il mutuo a tasso fisso di 30 anni che ha una media del 6,69%, in calo rispetto al 6,81% della settimana scorsa e al 7,03% di un anno fa. Il mutuo a tasso fisso di 15 anni ha una media del 5,96%, diminuendo dal 6,10% della settimana scorsa e dal 6,29% dell'anno precedente.
Il Chief Economist Sam Khater ha osservato che nonostante un modesto calo dei tassi, la risposta dei consumatori è stata positiva, con miglioramenti evidenti nella domanda di acquisti, sebbene permangano sfide legate all'affordabilità. L'indagine si concentra su prestiti per l'acquisto di case convenzionali e conformi per i mutuatari con un anticipo del 20% e un'eccellente reputazione creditizia.
Freddie Mac informó una disminución en las tasas hipotecarias, con la hipoteca a tipo fijo a 30 años promediando un 6,69%, en comparación con el 6,81% de la semana pasada y el 7,03% del año anterior. La hipoteca a tipo fijo a 15 años promedió un 5,96%, bajando del 6,10% de la semana pasada y el 6,29% del año pasado.
El economista jefe Sam Khater señaló que, a pesar de una ligera caída en las tasas, la respuesta de los consumidores ha sido positiva, con mejoras notables en la demanda de compras, aunque persisten desafíos de asequibilidad. La encuesta se centra en préstamos para la compra de viviendas convencionales y conformes para prestatarios con un pago inicial del 20% y un excelente historial crediticio.
Freddie Mac는 주택 담보대출 금리가 감소했다고 보고했습니다. 30년 고정금리 주택 담보대출의 평균 금리는 6.69%로, 지난주 6.81%와 1년 전 7.03%에서 하락했습니다. 15년 고정금리 주택 담보대출은 평균 5.96%로, 지난주 6.10% 및 지난해 6.29%에서 감소했습니다.
수석 경제학자 Sam Khater는 비록 금리가 소폭 하락했지만, 소비자 반응이 긍정적이며 구매 수요에 눈에 띄는 개선이 있었다고 언급했습니다. 그러나 여전히 적정성 문제는 남아있습니다. 이 조사는 20%의 계약금을 지불하고 우수한 신용을 가진 차용인을 위한 전통적이고 규범적인 주택 구매 대출에 초점을 맞추고 있습니다.
Freddie Mac a signalé une baisse des taux hypothécaires, avec le prêt hypothécaire à taux fixe de 30 ans ayant un taux moyen de 6,69%, contre 6,81% la semaine dernière et 7,03% il y a un an. Le prêt hypothécaire à taux fixe de 15 ans avait un taux moyen de 5,96%, en baisse par rapport à 6,10% la semaine dernière et 6,29% de l'année précédente.
Le chef économiste Sam Khater a noté qu'en dépit d'une légère baisse des taux, la réponse des consommateurs a été positive avec des améliorations notables dans la demande d'achat, bien que des défis d'accessibilité persistent. L'enquête se concentre sur des prêts d'achat de logements conventionnels et conformes pour des emprunteurs avec un versement initial de 20 % et un excellent crédit.
Freddie Mac hat einen Rückgang der Hypothekenzinsen gemeldet, wobei die 30-jährigen Festhypothek im Durchschnitt bei 6,69% liegt, was einen Rückgang von 6,81% in der Vorwoche und 7,03% im Jahr zuvor darstellt. Die 15-jährigen Festhypothek hatte einen Durchschnitt von 5,96%, ein Rückgang von 6,10% in der Vorwoche und 6,29% vom Vorjahr.
Chefökonom Sam Khater stellte fest, dass trotz eines bescheidenen Rückgangs der Zinsen die Reaktion der Verbraucher positiv war, mit spürbaren Verbesserungen bei der Kaufnachfrage, auch wenn die Herausforderungen in Bezug auf die Erschwinglichkeit bestehen bleiben. Die Umfrage konzentriert sich auf konventionelle, anpassungsfähige Wohnungsbaukredite für Kreditnehmer mit 20 % Anzahlung und exzellenter Bonität.
- Mortgage rates decreased to lowest level in over a month
- 30-year FRM decreased to 6.69% from 6.81% week-over-week
- 15-year FRM decreased to 5.96% from 6.10% week-over-week
- Purchase demand has improved following rate decrease
- Affordability headwinds continue to affect homebuyers
MCLEAN, Va., Dec. 05, 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 6.69 percent.
“This week, mortgage rates decreased to their lowest level in over a month,” said Sam Khater, Freddie Mac’s Chief Economist. “Despite just a modest drop in rates, consumers clearly have responded as purchase demand has noticeably improved. The responsiveness of prospective homebuyers to even small changes in rates illustrates that affordability headwinds persist.”
News Facts
- The 30-year FRM averaged 6.69 percent as of December 5, 2024, down from last week when it averaged 6.81 percent. A year ago at this time, the 30-year FRM averaged 7.03 percent.
- The 15-year FRM averaged 5.96 percent, down from last week when it averaged 6.10 percent. A year ago at this time, the 15-year FRM averaged 6.29 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/d7888b8e-f89e-406f-bb64-4a40d281d097
FAQ
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