Mortgage Rates Remain at the Lowest Level in Over a Year
Freddie Mac's Primary Mortgage Market Survey® reveals that 30-year fixed-rate mortgages (FRM) averaged 6.49% as of August 15, 2024, slightly up from 6.47% last week but significantly lower than the 7.09% rate a year ago. The 15-year FRM averaged 5.66%, up from 5.63% last week and down from 6.46% a year ago. Chief Economist Sam Khater notes that rates are over half a percent lower than last year, contrasting with the nearly 8% rates in 2023 that slowed the housing market. He predicts rates will likely trend downward in coming months as inflation slows, potentially benefiting both buyers and sellers.
Il sondaggio principale sul mercato dei mutui di Freddie Mac rivela che i mutui a tasso fisso a 30 anni (FRM) hanno avuto una media del 6,49% al 15 agosto 2024, leggermente superiore al 6,47% della settimana scorsa ma significativamente inferiore al tasso del 7,09% di un anno fa. Il FRM a 15 anni ha avuto una media del 5,66%, in aumento rispetto al 5,63% della settimana precedente e in calo rispetto al 6,46% di un anno fa. Il Chief Economist Sam Khater osserva che i tassi sono più di mezzo punto percentuale inferiori rispetto allo scorso anno, in contrasto con i tassi vicini all'8% del 2023 che hanno rallentato il mercato immobiliare. Predice che i tassi probabilmente tenderanno a diminuire nei prossimi mesi man mano che l'inflazione rallenta, potenzialmente a beneficio sia degli acquirenti che dei venditori.
La Encuesta del Mercado de Hipotecas Primarias de Freddie Mac revela que las hipotecas a tasa fija a 30 años (FRM) promediaron el 6,49% hasta el 15 de agosto de 2024, ligeramente por encima del 6,47% de la semana pasada, pero significativamente más bajo que la tasa del 7,09% de hace un año. La FRM a 15 años promedió el 5,66%, un aumento respecto al 5,63% de la semana pasada y una disminución frente al 6,46% de hace un año. El economista jefe Sam Khater señala que las tasas están más de medio punto porcentual por debajo de las del año pasado, en contraste con las tasas cercanas al 8% de 2023 que desaceleraron el mercado de la vivienda. Predice que las tasas probablemente tenderán a disminuir en los próximos meses a medida que la inflación se desacelere, beneficiando potencialmente tanto a compradores como a vendedores.
프레디 맥의 주요 모기지 시장 조사에 따르면, 30년 고정 금리 모기지(FRM)의 평균 금리는 2024년 8월 15일 현재 6.49%로, 지난 주 6.47%에서 약간 상승했지만, 1년 전 7.09%와 비교하면 상당히 낮은 수치입니다. 15년 FRM의 평균 금리는 5.66%로, 지난 주 5.63%에서 상승했지만 1년 전 6.46%에서 하락했습니다. 수석 경제학자 샘 카터는 금리가 작년보다 절반 이상 낮고, 2023년 약 8%의 금리로 주택 시장이 둔화되었던 것과 대조된다고 언급했습니다. 그는 인플레이션이 둔화됨에 따라 금리가 향후 몇 달 내에 하락할 가능성이 높다고 예측하며, 이는 구매자와 판매자 모두에게 이익이 될 수 있습니다.
Le sondage sur le marché des prêts hypothécaires de Freddie Mac révèle que les prêts hypothécaires à taux fixe de 30 ans (FRM) ont en moyenne atteint 6,49% au 15 août 2024, légèrement en hausse par rapport à 6,47% la semaine dernière, mais nettement inférieur au taux de 7,09% d'il y a un an. Le FRM à 15 ans a atteint une moyenne de 5,66%, en hausse par rapport à 5,63% la semaine dernière et en baisse par rapport à 6,46% il y a un an. L'économiste en chef Sam Khater note que les taux sont inférieurs de plus d'un demi-point par rapport à l'année dernière, en contraste avec les taux proches de 8% en 2023 qui ont ralenti le marché immobilier. Il prédit que les taux tendront probablement à diminuer dans les mois à venir à mesure que l'inflation ralentit, ce qui pourrait bénéficier à la fois aux acheteurs et aux vendeurs.
Die Primärhypothekenmarktumfrage von Freddie Mac zeigt, dass die 30-jährigen Festzinshypotheken (FRM) im Durchschnitt 6,49% am 15. August 2024 betrugen, leicht gestiegen von 6,47% in der Vorwoche, jedoch erheblich niedriger als der Zinssatz von 7,09% vor einem Jahr. Die 15-jährigen FRM lagen im Durchschnitt bei 5,66%, gestiegen von 5,63% in der Vorwoche und gesunken von 6,46% vor einem Jahr. Chefökonom Sam Khater weist darauf hin, dass die Zinsen mehr als ein halbes Prozent unter den Werten des letzten Jahres liegen, was im Gegensatz zu den fast 8% Zinsen im Jahr 2023 steht, die den Immobilienmarkt bremsten. Er prognostiziert, dass die Zinsen voraussichtlich in den kommenden Monaten tendenziell sinken werden, da die Inflation sich verlangsamt, was sowohl Käufern als auch Verkäufern zugutekommen könnte.
- 30-year fixed-rate mortgage averaged 6.49%, significantly lower than 7.09% a year ago
- 15-year fixed-rate mortgage averaged 5.66%, down from 6.46% a year ago
- Mortgage rates are over half a percent lower than the same time last year
- Rates are expected to trend downward in the coming months as inflation slows
- 30-year fixed-rate mortgage increased slightly from 6.47% last week to 6.49%
- 15-year fixed-rate mortgage increased from 5.63% last week to 5.66%
MCLEAN, Va., Aug. 15, 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 6.49 percent.
“While rates increased slightly this week, they remain more than half a percent lower than the same time last year,” said Sam Khater, Freddie Mac’s Chief Economist. “In 2023, the 30-year fixed-rate mortgage nearly hit 8 percent, slamming the brakes on the housing market. Now, the 30-year fixed-rate hovers around 6.5 percent and will likely trend down in the coming months as inflation continues to slow. Lower rates are good news for potential buyers and sellers alike.”
News Facts
- The 30-year FRM averaged 6.49 percent as of August 15, 2024, up from last week when it averaged 6.47 percent. A year ago at this time, the 30-year FRM averaged 7.09 percent.
- The 15-year FRM averaged 5.66 percent, up from last week when it averaged 5.63 percent. A year ago at this time, the 15-year FRM averaged 6.46 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 | Twitter | 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/6bbcbfb6-770c-43eb-9f32-c693f8e2f183
FAQ
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