<p>美联储周三将利率维持在 4.25% 至 4.50% 之间，这是连续第三次暂停利率政策，延长了潜在购房者寻求缓解高额抵押贷款成本的等待。</p>
<p><strong>发生了什么：</strong> 希望看到抵押贷款利率缓解迹象的房地产市场参与者感到失望，因为美联储主席 <strong>杰罗姆·鲍威尔</strong> 强调，在足够的经济数据支持之前，不会采取进一步的降息行动，报道指出。</p>
<p>根据抵押贷款银行家协会和全国房地产经纪人协会的数据，最近的抵押贷款申请下降了 12.7%，而 3 月份现有房屋销售下降了 5.9%。</p>
<p>“拥有房屋的财务障碍几乎达到了历史最高水平，尤其是对于尚未拥有房屋的年轻家庭，” 根据报告，BMO 表示。这一现实反映在创纪录的首次购房者中位年龄上，去年达到了 38 岁。</p>
<p><strong>为什么重要：</strong> 最近 30 年期固定抵押贷款利率为 6.90%，高于前一周的 6.81%，并达到两个月来的最高水平。这标志着与 2022 年之前 3.5% 的利率相比，出现了戏剧性的增长，后者几乎在 7% 的高峰时结束了疫情期间的住房热潮，报告指出。</p>
<p>市场观察者现在期待今年晚些时候可能的降息，CME FedWatch 预测 7 月降息的概率为 51.1%。然而，<strong>摩根大通</strong> 分析师仍然持悲观态度，预测住房市场将在 2025 年前 “基本停滞”，除非抵押贷款利率接近 5%。</p>
<p>美联储在声明中指出，“对经济前景的不确定性进一步增加”，并且 “失业率上升和通货膨胀上升的风险增加”，引入了新的谨慎语言，暗示政策将继续保持克制。</p>
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<li><strong>华纳兄弟探索公司放弃 ‘更多就是更好’ 的流媒体策略，重注优质内容——并让史酷比在 Netflix 上寻找新粉丝</strong></li>
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<p><em>图片来源于 Shutterstock</em></p>

蒙特利尔银行

<p>美联储维持利率在 4.25% 至 4.50% 之间，这是连续第三次暂停，令寻求缓解高抵押贷款成本的购房者感到失望。BMO 指出，购房的财务障碍达到了顶峰，尤其是对于年轻家庭，首次购房者的中位年龄已达到 38 岁。30 年期固定抵押贷款利率上升至 6.90%，显著高于 2022 年前的水平。分析师预测，在抵押贷款利率降至接近 5% 之前，住房市场将保持停滞，经济不确定性加剧，以及失业和通胀上升的风险也在增加</p>

<p>The Federal Reserve kept interest rates steady Wednesday between 4.25% and 4.50%, marking the third consecutive pause in rate policy and extending the wait for potential homebuyers seeking relief from elevated mortgage costs.</p>
<div class="lb-trans"><p>美联储周三将利率维持在 4.25% 至 4.50% 之间，这是连续第三次暂停利率政策，延长了潜在购房者寻求缓解高额抵押贷款成本的等待。</p>
</div><p><strong>What Happened:</strong> Housing market participants hoping for signs of mortgage rate relief were disappointed as Fed Chairman <strong>Jerome Powell</strong> emphasized that no further action on interest rate cuts will be taken until sufficient economic data supports such moves, reported The Street.</p>
<div class="lb-trans"><p><strong>发生了什么：</strong> 希望看到抵押贷款利率缓解迹象的房地产市场参与者感到失望，因为美联储主席 <strong>杰罗姆·鲍威尔</strong> 强调，在足够的经济数据支持之前，不会采取进一步的降息行动，报道指出。</p>
</div><p>The decision comes as recent mortgage applications plunged 12.7% and existing home sales fell 5.9% in March, according to the Mortgage Bankers Association and National Association of Realtors data.</p>
<div class="lb-trans"><p>根据抵押贷款银行家协会和全国房地产经纪人协会的数据，最近的抵押贷款申请下降了 12.7%，而 3 月份现有房屋销售下降了 5.9%。</p>
</div><p>“The financial hurdles to owning a home have rarely been higher, especially for young households that don’t yet have their foot in the door,” said BMO, according to the report. This reality is reflected in the record-high median first-time homebuyer age, which reached 38 last year.</p>
<div class="lb-trans"><p>“拥有房屋的财务障碍几乎达到了历史最高水平，尤其是对于尚未拥有房屋的年轻家庭，” 根据报告，BMO 表示。这一现实反映在创纪录的首次购房者中位年龄上，去年达到了 38 岁。</p>
</div><p><strong>Why It Matters:</strong> The 30-year fixed mortgage rate recently stood at 6.90%, up from 6.81% the previous week and reaching the highest level in two months. This marks a dramatic increase from the 3.5% rates seen before 2022’s spike to nearly 7%, which effectively ended the Covid-era housing boom, the report noted.</p>
<div class="lb-trans"><p><strong>为什么重要：</strong> 最近 30 年期固定抵押贷款利率为 6.90%，高于前一周的 6.81%，并达到两个月来的最高水平。这标志着与 2022 年之前 3.5% 的利率相比，出现了戏剧性的增长，后者几乎在 7% 的高峰时结束了疫情期间的住房热潮，报告指出。</p>
</div><p>Market watchers now look toward potential rate cuts later this year, with CME FedWatch forecasting a 51.1% chance of a reduction in July. However, <strong>JPMorgan Chase &amp; Co.</strong> analysts remain pessimistic, predicting the housing market will stay “largely stuck” through 2025 unless mortgage rates approach 5%.</p>
<div class="lb-trans"><p>市场观察者现在期待今年晚些时候可能的降息，CME FedWatch 预测 7 月降息的概率为 51.1%。然而，<strong>摩根大通</strong> 分析师仍然持悲观态度，预测住房市场将在 2025 年前 “基本停滞”，除非抵押贷款利率接近 5%。</p>
</div><p>The Fed noted in its statement that “uncertainty about the economic outlook has increased further” and “risks of higher unemployment and higher inflation have risen,” introducing new cautionary language that suggests continued policy restraint.</p>
<div class="lb-trans"><p>美联储在声明中指出，“对经济前景的不确定性进一步增加”，并且 “失业率上升和通货膨胀上升的风险增加”，引入了新的谨慎语言，暗示政策将继续保持克制。</p>
</div><ul>
<li><strong>Warner Bros. Discovery Pulling Back From ‘More Is Better’ Streaming Strategy, Bets Big On Premium Content — And Letting Scooby-Doo Sniff Out New Fans On Netflix</strong></li>
</ul>
<div class="lb-trans"><ul>
<li><strong>华纳兄弟探索公司放弃 ‘更多就是更好’ 的流媒体策略，重注优质内容——并让史酷比在 Netflix 上寻找新粉丝</strong></li>
</ul>
</div><p><em>Image Via Shutterstock</em></p>
<div class="lb-trans"><p><em>图片来源于 Shutterstock</em></p>
</div>

'Financial Hurdles To Owning A Home Have Rarely Been Higher,' Says BMO As Fed Holds Rates, Extending Wait For Homebuyers

- 美联储维持利率在 4.25% 至 4.50% 之间，已连续第三次暂停加息。  
- 近期抵押贷款申请下降 12.7%，现房销售下降 5.9%。  
- 30 年固定抵押贷款利率升至 6.90%，创两个月新高。  

蒙特利尔银行指出，由于美联储维持利率不变，购房者的等待时间被延长，拥有房产的财务障碍几乎从未如此之高