The fluctuation of loan interest rate is mainly related to the interest level, which includes not only the deposit interest rate, but also the loan interest rate.
The reason why the loan interest rate in the United States will rise sharply is that many people's loan demand is further improving, and on the other hand, it is also related to the Fed's interest rate hike. After that, the Federal Reserve will shrink its balance sheet accordingly, so the interest rates of credit loans and mortgage loans in the United States will further increase, and this data may even set a historical record for American loans.
Mortgage interest rates in the United States soared.
After the Federal Reserve raised interest rates three times, the local mortgage interest rate in the United States has risen to 5.8 1%. Prior to this, the mortgage interest rate in the United States has never been so high, and this figure has exceeded the highest level since 2008. If the inflation problem in the United States is not solved, the interest rate of mortgage loans may further increase, and the cost of people applying for mortgage loans will also increase accordingly.
The rise of loan interest rate is mainly related to the interest level.
You can try to understand this logic: when we talk about raising interest rates, raising interest rates in a place will not only increase the deposit interest rate, but also increase the loan interest rate, thus tightening the liquidity of money. When the Fed raises interest rates, raising interest rates will directly lead to a further increase in loan interest rates, so this will not only happen on mortgage interest rates, but also on credit interest rates.
What is my personal opinion?
Personally, it is very normal for the mortgage interest rate in the United States to rise, because the CPI ratio in the United States has reached more than 8%. If CPI continues to be high, all loan interest rates will further increase. When the mortgage interest rate exceeds 10%, this figure means that basically not many people are willing to apply for loan products, and the liquidity of money in the market will be further tightened.
How to calculate the interest on dollar loans?
(Unit: thousands of US dollars) (a) Within three years, calculate the interest at the rate of 3,000,004.25% 3 = 38,362.5 US dollars, and calculate it every three years. (Unit: thousands of US dollars)
20 18 1 1 American mortgage interest rate
United States 1 1 mortgage interest rate report
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Youtoufang
Youtoufang is a professional team that analyzes the big data of American real estate, helping Chinese to analyze the investment trend of American real estate.
abstract:
In 30 years and 15 years, although the mortgage interest rate was adjusted at 10, it generally rose sharply. The average values are 4.83% and 4.25% respectively.
5/ 1ARM adjustable mortgage interest rate continued to rise in June 5438+ 10, with an average of 4.08%.
Today, some investors have compiled the survey of loan interest rates of major financial institutions in the United States released by FreddieMac. To understand the operation process of American loans, you can refer to the relevant contents of the previous American house purchase guide: the American house purchase guide-a preparation manual before applying for a mortgage.
The average weekly mortgage interest rate: 20 18 1 1 The mortgage interest rate decreased as a whole.
Source: FreddieMac.
According to FreddieMac's statistics as of February 6th, 65438, the average interest rate of 30-year fixed mortgage in the United States was 4.75% last week, 4.2 1% last week and 4.07% last week on 5/ 1ARM adjustable mortgage. During the period of 165438+ 10, all interest rates fell in different degrees: the 30-year fixed interest rate continued to fall, the 15-year fixed interest rate and the 5/ 1ARM adjustable mortgage interest rate fluctuated slightly, but the overall trend was downward.
Average monthly mortgage interest rate: 20 18 1 1 The mortgage interest rate shows a downward trend.
#30-year fixed mortgage interest rate
In June this year, the average monthly interest rate of 30-year fixed mortgage increased by 0.04 percentage points compared with the previous month, but from the trend, it experienced a rapid growth of 10 interest rate at the end of June, and in June 1 1 interest rate showed an obvious downward trend. The average cost point is maintained at 0.5.
# 15 fixed mortgage interest rate
10, the average monthly fixed mortgage interest rate 1 15 also increased by 0.03 percentage points compared with last month, partly due to the high interest rate at the end of last month and the obvious downward trend of interest rate this month. The average cost point remains at 0.4.
#5 years adjustable mortgage interest rate
The adjustable mortgage interest rate of 65438+1October 5/ 1ARM fluctuated at the end of last month, showing an obvious downward trend in165438+1October, with an average monthly increase of 0.03 percentage point compared with 65438+1October. The average cost point is 0.3.
Note: 5-year adjustable mortgage interest rate means that the loans in the first 5 years are repaid at a fixed interest rate, and the rest are paid off at a floating interest rate, which is adjusted once a year with market changes.
# Available credit index
The mortgage credit availability index rose from 1 1 to 188.8. Credit index can be used to measure the strictness of credit standards. When the available credit index rises, it means that credit becomes loose. According to the report of Mortgage Bankers Association, while the traditional credit supply has increased, the government credit has remained basically unchanged, which has led to the increase of credit index.
Available credit index
Source: Mortgage Bankers Association.
The mortgage interest rate has a downward trend this month, but it is still rising.
In the third quarter of 2065438+2008, the growth rate of GDP in the United States was 3.5%, exceeding previous expectations. Since 20 18, with the Federal Reserve raising interest rates, mortgage interest rates have also entered the upward channel. Although the interest rate performance in June 165438+ 10 eased, it was difficult to stop the upward trend of interest rates.
Source: FreddieMac；; Shaded parts are estimated values.
According to Freddie Mac's forecast report, if the mortgage interest rate rises, while the labor market remains strong and income increases, then the US real estate market is expected to continue to grow moderately in 20 18 and 20 19.
Although the sales of existing houses may be difficult to surpass the best performance in 20 17, the sales of new houses should provide enough growth to promote the increase of the total housing sales in the United States in 20 18, and it is expected that the sales will increase moderately this year and next;
The real estate market is still in short supply, and house prices will continue to rise. However, the recent increase in housing supply will slow down the growth rate and house prices are expected to rise moderately. It is estimated that American house prices will increase by 5. 1% in 20 18, and the growth rate will continue to slow down to 4.3% next year.
Due to the increase of loan interest rate and the decrease of refinancing, it is expected that the new loans this year will decrease compared with the previous year. However, in the long run, the increase in housing sales and the moderate increase in housing prices will promote the increase in the number of new loans to offset some of its effects. It is estimated that the number of new loans will decrease slightly in 20 19.
Mortgage interest rate rises, and monthly supply increases.
Multi-party data show that the mortgage interest rate will continue to rise moderately in the future, which will directly affect the increase of monthly supply. Therefore, buyers who have plans to purchase houses should lock in interest rates as soon as possible to save money.
If the mortgage interest rate continues to rise in the future, then the monthly repayment amount of buyers who purchase houses with loans will increase.
The above picture shows the monthly repayment amount of 30-year fixed-rate mortgage under different interest rates and loan quotas.
For example, the interest rate of the 30-term fixed mortgage loan was raised from 4.5% to 5%.
If the loan is USD 350,000, the monthly payment will increase from USD 65,438+USD 0,773 to USD 65,438+USD 0,879, and the monthly payment will be USD 65,438+USD 0,006.
If the loan is USD 650,000, the monthly payment will increase from USD 3,293 to USD 3,489, and the monthly payment will be 196.
US dollar loan interest rate in 2022
According to the forecast released by the Federal Reserve Fund in February 2020, the interest rate of US dollar loans in 2022 is expected to be 0.85- 1. 10%. This level will remain unchanged from 202 1, but most of the time it will remain at 0. 15%-0.2% interest rate.
Overseas dollar loan interest rate
About 1.5%
The deposit and loan interest rates in the United States are relatively low, and the current interest rate can be ignored. The interest spread of American banks is very low, because Americans basically don't save money, and banks don't make money by interest spread, which is about 1.5%.
Futures and spot are completely different. Spot is actually a tradable commodity. Futures are mainly not commodities, but standardized tradable contracts with some bulk products such as cotton, soybeans and oil and financial assets such as stocks and bonds as the targets. Therefore, the subject matter can be commodities (such as gold, crude oil and agricultural products) or financial instruments.
The delivery date of futures can be one week later, one month later, three months later or even one year later.
American mortgage interest rate
American mortgage interest rate
As of March 2022, the average interest rate of 30-year fixed mortgage in the United States was 4.42%.
As of March, the average interest rate of 30-year fixed mortgage in the United States was 4.42%, which was higher than the average interest rate of 4. 16% last week. In the same period a year ago, the average interest rate of 30-year fixed mortgage Sakura Biyou loan in the United States was 3. 17.
Earlier, many research institutions have warned that the Fed's tightening of monetary policy and raising interest rates may impact many types of assets, including the US real estate market. As the Federal Reserve further raises the interest rate level, the mortgage interest rate in the US real estate market may face further upward pressure. At present, the 30-year mortgage interest rate in the United States is fixed, and the mortgage interest rate in the US real estate market may face further upward pressure.
3.4 1%; 15 has a fixed mortgage interest rate of 2.74%; The floating interest rate of 5-year mortgage is 2.68%, and there will be some differences among banks. The specific link depends on the actual situation;