Mortgage Rates Tick Up
Freddie Mac's Primary Mortgage Market Survey® (PMMS®) shows the 30-year fixed-rate mortgage (FRM) averaged 6.12 percent, up from 6.08 percent last week. A year ago, it averaged 7.49 percent. The 15-year FRM averaged 5.25 percent, up from 5.16 percent last week and down from 6.78 percent a year ago.
Sam Khater, Freddie Mac's Chief Economist, attributes the stalled decline in mortgage rates to escalating geopolitical tensions and a rebound in short-term rates. He notes that over the past 12 months, mortgage rates have declined by 1.5 percentage points, home price growth is slowing, inventory is increasing, and incomes are rising, creating an improving backdrop for homebuyers this fall.
Il Rapporto sul Mercato delle Mutui Primari di Freddie Mac (PMMS®) mostra che il mutuo a tasso fisso a 30 anni ha avuto una media del 6,12%, in aumento rispetto al 6,08% della settimana scorsa. Un anno fa, la media era del 7,49%. Il mutuo a tasso fisso a 15 anni ha avuto una media del 5,25%, in aumento rispetto al 5,16% della settimana scorsa e in calo rispetto al 6,78% di un anno fa.
Sam Khater, Economista Capo di Freddie Mac, attribuisce il blocco nella discesa dei tassi di interesse sui mutui a crescenti tensioni geopolitiche e a un rimbalzo dei tassi a breve termine. Nota che negli ultimi 12 mesi i tassi sui mutui sono diminuiti di 1,5 punti percentuali, la crescita dei prezzi delle case sta rallentando, le scorte stanno aumentando e i redditi stanno crescendo, creando un contesto favorevole per i compratori di case questo autunno.
La Encuesta del Mercado de Hipotecas Primarias de Freddie Mac (PMMS®) muestra que la hipoteca de tasa fija a 30 años promedió un 6,12%, por encima del 6,08% de la semana pasada. Hace un año, promediaba 7,49%. La hipoteca de tasa fija a 15 años promedió un 5,25%, en aumento desde el 5,16% de la semana pasada y por debajo del 6,78% de hace un año.
Sam Khater, Economista Jefe de Freddie Mac, atribuye el estancamiento en la disminución de las tasas hipotecarias a las crecientes tensiones geopolíticas y a un repunte en las tasas a corto plazo. Observa que en los últimos 12 meses, las tasas hipotecarias han disminuido en 1.5 puntos porcentuales, el crecimiento de los precios de las viviendas se está desacelerando, el inventario está aumentando y los ingresos están subiendo, creando un entorno mejorado para los compradores de vivienda este otoño.
프레디 맥의 주택담보대출 기본 시장 조사(PMMS®)에 따르면, 30년 만기 고정 금리 대출의 평균 금리는 6.12%로 지난 주의 6.08%에서 상승했습니다. 1년 전에는 7.49%의 평균을 기록했습니다. 15년 만기 고정 금리 대출의 평균 금리는 5.25%로, 지난 주의 5.16%에서 상승하고 1년 전의 6.78%보다 하락했습니다.
프레디 맥의 수석 경제학자 샘 카이터는 급증하는 지정학적 긴장과 단기 금리의 반등이 주택담보대출 금리가 체증된 이유라고 설명합니다. 그는 지난 12개월 동안 대출 금리가 평균 1.5포인트 하락했고, 주택 가격 상승률이 둔화되고, 재고가 증가하며, 소득이 상승하고 있어 이 가을 주택 구매자들에게 긍정적인 배경이 되고 있다고 언급했습니다.
Selon la sondage du marché hypothécaire primaire de Freddie Mac (PMMS®), le taux d'intérêt fixe à 30 ans pour les prêts hypothécaires a atteint en moyenne 6,12%, en hausse par rapport à 6,08% la semaine dernière. Il y a un an, il était en moyenne de 7,49%. Le taux fixe à 15 ans a atteint en moyenne 5,25%, en hausse par rapport à 5,16% la semaine dernière et en baisse par rapport à 6,78% l'année dernière.
Sam Khater, économiste en chef chez Freddie Mac, attribue le ralentissement de la baisse des taux hypothécaires à l'escalade des tensions géopolitiques et à un rebond des taux à court terme. Il note que, au cours des 12 derniers mois, les taux hypothécaires ont diminué de 1,5 point de pourcentage, la croissance des prix immobiliers ralentit, les stocks augmentent et les revenus augmentent, créant un environnement favorable pour les acheteurs de maisons cet automne.
Die Primäre Hypothekenmarktumfrage von Freddie Mac (PMMS®) zeigt, dass die 30-jährigen Festhypothek (FRM) durchschnittlich 6,12 Prozent betrug, ein Anstieg von 6,08 Prozent in der letzten Woche. Vor einem Jahr lag der Durchschnitt bei 7,49 Prozent. Die 15-jährige FRM betrug durchschnittlich 5,25 Prozent, ein Anstieg von 5,16 Prozent in der letzten Woche und ein Rückgang von 6,78 Prozent vor einem Jahr.
Sam Khater, Chefökonom von Freddie Mac, führt den Stillstand bei den Hypothekenzinsen auf steigende geopolitische Spannungen und einen Anstieg der kurzfristigen Zinsen zurück. Er merkt an, dass die Hypothekenzinsen in den letzten 12 Monaten um 1,5 Prozentpunkte gesunken sind, das Wachstum der Hauspreise sich verlangsamt, der Bestand zunimmt und die Einkommen steigen, was diesen Herbst einen verbesserten Hintergrund für Hauskäufer schafft.
- Mortgage rates have declined 1.5 percentage points over the last 12 months
- Home price growth is slowing
- Housing inventory is increasing
- Incomes continue to rise
- 30-year FRM rate (6.12%) is significantly lower than a year ago (7.49%)
- 15-year FRM rate (5.25%) is considerably lower than a year ago (6.78%)
- 30-year FRM rate increased from 6.08% to 6.12% week-over-week
- 15-year FRM rate increased from 5.16% to 5.25% week-over-week
- Escalating geopolitical tensions are affecting mortgage rates
- Rebound in short-term rates indicates premature market enthusiasm for rate cuts
MCLEAN, Va., Oct. 03, 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 6.12 percent.
“The decline in mortgage rates has stalled due to a mix of escalating geopolitical tensions and a rebound in short-term rates that indicate the market’s enthusiasm on rate cuts was premature,” said Sam Khater, Freddie Mac’s Chief Economist. “Zooming out to the bigger picture, mortgage rates have declined one and a half percentage points over the last 12 months, home price growth is slowing, inventory is increasing, and incomes continue to rise. As a result, the backdrop for homebuyers this fall is improving and should continue through the rest of the year.”
News Facts
- The 30-year FRM averaged 6.12 percent as of October 3, 2024, up from last week when it averaged 6.08 percent. A year ago at this time, the 30-year FRM averaged 7.49 percent.
- The 15-year FRM averaged 5.25 percent, up from last week when it averaged 5.16 percent. A year ago at this time, the 15-year FRM averaged 6.78 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/e70c7c6a-f5f1-46c4-8aa7-296dfcf9455e
FAQ
What is the current 30-year fixed-rate mortgage average according to Freddie Mac's PMMS as of October 3, 2024?
How has the 30-year FRM rate changed compared to a year ago for Freddie Mac (FMCC)?
What factors are affecting mortgage rates according to Freddie Mac's Chief Economist?
How has the housing market backdrop changed for homebuyers according to Freddie Mac (FMCC)?
