The 30-Year Fixed-Rate Mortgage Inches Down
Freddie Mac's latest Primary Mortgage Market Survey® shows the 30-year fixed-rate mortgage averaged 6.81%, down from 6.84% last week and lower than the 7.22% recorded a year ago. The 15-year fixed-rate mortgage increased to 6.10% from last week's 6.02%, though still below last year's 6.56%. Chief Economist Sam Khater notes that rates have remained relatively flat as markets await economic policy clarity. The housing market currently faces low demand and sales activity, with inventory remaining significantly undersupplied despite modest improvements.
Il ultimo sondaggio sul mercato dei mutui primari di Freddie Mac mostra che il mutuo a tasso fisso a 30 anni ha una media del 6,81%, in calo rispetto al 6,84% della settimana scorsa e inferiore al 7,22% registrato un anno fa. Il mutuo a tasso fisso a 15 anni è salito al 6,10% rispetto al 6,02% della settimana precedente, sebbene rimanga al di sotto del 6,56% dell'anno scorso. Il Capo Economista Sam Khater osserva che i tassi sono rimasti relativamente stabili mentre i mercati attendono chiarezza sulle politiche economiche. Attualmente, il mercato immobiliare affronta una bassa domanda e attività di vendita, con un inventario rimasto significativamente insufficiente nonostante miglioramenti modesti.
La última Encuesta del Mercado de Hipotecas Primarias de Freddie Mac muestra que la hipoteca a tasa fija a 30 años tuvo un promedio del 6.81%, bajando del 6.84% de la semana pasada y por debajo del 7.22% registrado hace un año. La hipoteca a tasa fija a 15 años aumentó al 6.10% desde el 6.02% de la semana anterior, aunque sigue siendo inferior al 6.56% del año pasado. El Economista Jefe Sam Khater señala que las tasas se han mantenido relativamente estables mientras los mercados esperan claridad en las políticas económicas. Actualmente, el mercado de la vivienda enfrenta una baja demanda y actividad de ventas, con un inventario que sigue siendo significativamente insuficiente a pesar de modestos avances.
프레디 맥의 최신 주택담보대출 시장 조사에 따르면 30년 고정 금리 대출의 평균금리는 6.81%로, 지난주 6.84%에서 하락했으며, 작년의 7.22%보다 낮습니다. 15년 고정 금리 대출은 지난주 6.02%에서 6.10%로 증가했지만 여전히 작년의 6.56%보다 낮습니다. 수석 경제학자 샘 카터는 시장이 경제 정책의 명확성을 기다리는 동안 금리가 상대적으로 평평하게 유지되고 있다고 언급합니다. 현재 주택 시장은 낮은 수요와 판매 활동에 직면하고 있으며, 재고는 다소 개선되었음에도 불구하고 여전히 부족한 상태입니다.
Le dernier sondage du marché hypothécaire primaire de Freddie Mac montre que le prêt hypothécaire à taux fixe sur 30 ans a connu une moyenne de 6,81 %, en baisse par rapport à 6,84 % la semaine dernière et inférieure au 7,22 % enregistré il y a un an. Le prêt hypothécaire à taux fixe sur 15 ans a augmenté à 6,10 % contre 6,02 % la semaine dernière, bien qu'il soit toujours inférieur au 6,56 % de l'année dernière. L'économiste en chef Sam Khater note que les taux sont restés relativement stables alors que les marchés attendent une clarté sur les politiques économiques. Actuellement, le marché immobilier est confronté à une faible demande et à une activité de vente, l'inventaire restant largement en sous-approvisionnement malgré des améliorations modestes.
Die neueste Umfrage zum Primärhypothekenmarkt von Freddie Mac zeigt, dass die 30-jährigen festverzinsten Hypotheken im Durchschnitt bei 6,81% lagen, im Vergleich zu 6,84% in der Vorwoche und niedriger als die 7,22%, die vor einem Jahr verzeichnet wurde. Die 15-jährigen festverzinsten Hypotheken stiegen auf 6,10% von 6,02% in der letzten Woche, liegen jedoch weiterhin unter den 6,56% des Vorjahres. Chefökonom Sam Khater stellt fest, dass sich die Zinssätze relativ stabil gehalten haben, während die Märkte auf Klarheit in der Wirtschaftspolitik warten. Der Wohnungsmarkt sieht sich derzeit einer geringen Nachfrage und Verkaufsaktivität gegenüber, wobei der Bestand trotz moderater Verbesserungen weiterhin erheblich unterversorgt ist.
- 30-year fixed-rate mortgage decreased to 6.81% from 6.84% week-over-week
- 30-year fixed-rate mortgage significantly lower than previous year's 7.22%
- 15-year fixed-rate mortgage lower than previous year's 6.56%
- 15-year fixed-rate mortgage increased to 6.10% from 6.02% week-over-week
- Low housing market demand and sales activity
- Persistent undersupply of housing inventory
MCLEAN, Va., Nov. 27, 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 6.81 percent. This week’s results include an adjustment for the observance of Thanksgiving.
“The 30-year fixed-rate mortgage moved down this week, but not by much,” said Sam Khater, Freddie Mac’s Chief Economist. “Rates have been relatively flat over the last few weeks as the market waits for more clarity on specific economic policies. Potential homebuyers are also waiting on the sidelines, causing demand to be lackluster. Despite the low sales activity, inventory has only modestly improved and remains dramatically undersupplied.”
News Facts
- The 30-year FRM averaged 6.81 percent as of November 27, 2024, down from last week when it averaged 6.84 percent. A year ago at this time, the 30-year FRM averaged 7.22 percent.
- The 15-year FRM averaged 6.10 percent, up from last week when it averaged 6.02 percent. A year ago at this time, the 15-year FRM averaged 6.56 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/8ca79b6b-da7a-4e9f-895e-6c60439143cf
FAQ
What is the current 30-year fixed-rate mortgage rate for Freddie Mac (FMCC)?
How does Freddie Mac's (FMCC) current 30-year mortgage rate compare to last year?
What is Freddie Mac's (FMCC) current 15-year fixed-rate mortgage rate?
What is the current state of housing inventory according to Freddie Mac (FMCC)?
