Mortgage Rates Drop Below Seven Percent
Freddie Mac (OTCQB: FMCC) reported a decrease in mortgage rates, with the 30-year fixed-rate mortgage (FRM) averaging 6.96%, down from 7.04% last week. This marks the first decline in six weeks after crossing the 7% threshold. The 15-year FRM also decreased to 6.16% from 6.27% last week.
Compared to a year ago, the 30-year FRM is higher (previously 6.69%), and the 15-year FRM has also increased from its previous rate of 5.96%. According to Chief Economist Sam Khater, while affordability challenges persist, this rate decrease is positive news for potential homebuyers, as evidenced by an increase in purchase applications.
Freddie Mac (OTCQB: FMCC) ha riportato una diminuzione dei tassi sui mutui, con il mutuo a tasso fisso di 30 anni (FRM) che media il 6,96%, in calo rispetto al 7,04% della scorsa settimana. Questo segna la prima diminuzione in sei settimane dopo aver superato la soglia del 7%. Anche il mutuo a tasso fisso di 15 anni è diminuito, passando dal 6,27% al 6,16% della settimana precedente.
Rispetto a un anno fa, il FRM a 30 anni è più alto (precedentemente 6,69%), e il FRM a 15 anni è anch'esso aumentato dal suo tasso precedente del 5,96%. Secondo il Chief Economist Sam Khater, sebbene continuino le sfide di accessibilità, questa diminuzione dei tassi è una buona notizia per i potenziali acquirenti di case, come dimostra un incremento delle domande di acquisto.
Freddie Mac (OTCQB: FMCC) informó una disminución en las tasas hipotecarias, con la hipoteca a tasa fija a 30 años (FRM) promediando el 6,96%, bajando del 7,04% de la semana pasada. Esta es la primera disminución en seis semanas después de haber cruzado el umbral del 7%. La hipoteca a tasa fija a 15 años también disminuyó al 6,16% desde el 6,27% de la semana anterior.
En comparación con hace un año, el FRM a 30 años es más alto (anteriormente 6,69%), y el FRM a 15 años también ha aumentado desde su tasa anterior del 5,96%. Según el Economista Jefe Sam Khater, aunque persisten los desafíos de asequibilidad, esta disminución de tasas es una buena noticia para los posibles compradores de vivienda, como lo demuestra un aumento en las solicitudes de compra.
프레디 맥 (OTCQB: FMCC)은 모기지 금리가 감소했으며, 30년 고정금리 모기지 (FRM)가 평균 6.96%로, 지난주 7.04%에서 하락했다고 보고했습니다. 이는 7% 임계치를 넘어선 이후 6주 만의 첫 번째 감소입니다. 15년 FRM도 지난주 6.27%에서 6.16%로 감소했습니다.
1년 전과 비교할 때, 30년 FRM은 더 높습니다 (이전 6.69%) 그리고 15년 FRM도 이전의 5.96%에서 증가했습니다. 수석 경제학자 샘 카에터에 따르면, 비록 주거 비용에 대한 어려움이 지속되지만, 이 금리 감소는 잠재적 주택 구매자에게 긍정적인 소식으로, 구매 신청서의 증가로 입증되고 있습니다.
Freddie Mac (OTCQB: FMCC) a signalé une diminution des taux hypothécaires, avec le prêt hypothécaire à taux fixe de 30 ans (FRM) moyen à 6,96 %, en baisse par rapport à 7,04 % la semaine dernière. C'est la première baisse en six semaines après avoir franchi le seuil de 7 %. Le FRM de 15 ans a également diminué, passant de 6,27 % à 6,16 % la semaine dernière.
Comparé à l'année dernière, le FRM à 30 ans est plus élevé (auparavant 6,69 %) et le FRM à 15 ans a également augmenté par rapport à son taux précédent de 5,96 %. Selon l'économiste en chef Sam Khater, bien que les défis d'accessibilité persistent, cette baisse de taux est une bonne nouvelle pour les acheteurs potentiels de maisons, comme en témoigne l'augmentation des demandes d'achat.
Freddie Mac (OTCQB: FMCC) berichtete über einen Rückgang der Hypothekenzinsen, wobei die 30-jährigen Festzins-Hypothek (FRM) im Durchschnitt bei 6,96% liegt, down von 7,04% in der vergangenen Woche. Dies ist der erste Rückgang in sechs Wochen, nachdem die 7%-Schwelle überschritten wurde. Auch die 15-jährige FRM fiel von 6,27% auf 6,16% in der letzten Woche.
Im Vergleich zum Vorjahr liegt der 30-jährige FRM höher (zuvor 6,69%) und der 15-jährige FRM hat sich ebenfalls von seinem vorherigen Satz von 5,96% erhöht. Laut Chefökonom Sam Khater, obwohl die Erschwinglichkeitsprobleme weiterhin bestehen, ist dieser Rückgang der Zinsen eine positive Nachricht für potenzielle Käufer, wie der Anstieg der Kaufanträge zeigt.
- First mortgage rate decrease in six weeks
- 30-year FRM dropped below 7% to 6.96%
- 15-year FRM decreased to 6.16% from 6.27%
- Increase in purchase applications reported
- Mortgage rates remain higher compared to previous year (30-year FRM up from 6.69%)
- 15-year FRM increased year-over-year from 5.96%
- Affordability challenges continue to persist
MCLEAN, Va., Jan. 23, 2025 (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 6.96 percent.
“After crossing the
News Facts
- The 30-year FRM averaged 6.96 percent as of January 23, 2025, down from last week when it averaged 7.04 percent. A year ago at this time, the 30-year FRM averaged 6.69 percent.
- The 15-year FRM averaged 6.16 percent, down from last week when it averaged 6.27 percent. A year ago at this time, the 15-year FRM averaged 5.96 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/a01604ae-7e24-4b7d-b528-fd7094944782
FAQ
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