<p>作者：Aarthi Swaminathan</p>
<p>购房者和房主一直在等待更低的利率。现在他们的最佳选择是什么？</p>
<p>MarketWatch 采访的两位专家建议有意购房者和房主要谨慎行事，并保持耐心。</p>
<p>美联储已连续第三次降息——可能也是一段时间内的最后一次。购房者和房主现在可以采取什么最佳行动——以及可能会犯的代价高昂的错误是什么？</p>
<p>美联储周三将基准利率下调 25 个基点，以应对对美国劳动力市场的担忧，但表示可能会暂停进一步的降息。</p>
<p>抵押贷款利率并不是由美联储决定的，因而在降息预期下上升，因为债券市场担心美联储的利率政策和美国经济的未来走向。</p>
<p>抵押贷款利率并不直接跟随美联储的基准短期利率的方向。相反，它们往往与 10 年期国债收益率同步波动。</p>
<p>一直在等待机会的购房者和房主可能在想，现在是否是跳入市场或再融资的好时机。MarketWatch 采访的两位专家建议有意购房者和房主要谨慎行事，并保持耐心。</p>
<p>不要急于购房</p>
<p>现在谁应该开始找房？答案没有改变：仍然是那些能够负担得起的人——主要是能够支付现金的老年买家。</p>
<p>美联储最新的降息并不意味着现在就急于购房，因为抵押贷款利率预计不会显著下降——也不会上升。大多数行业预测预计利率将在明年逐渐下降，但不会大幅下跌。</p>
<p>“我们的预测是，抵押贷款利率在未来几年将保持在一个相对狭窄的范围内，” 抵押贷款银行家协会首席经济学家 Mike Fratantoni 在一份声明中表示。“随着美联储明年降息周期的结束，这一预测变得更加可能。”</p>
<p>在最近的一项 Fannie Mae 调查中，约 73% 的人表示现在购房不是一个好时机。他们并没有错。</p>
<p>如果你现在负担不起房子，“不要抱着明年抵押贷款利率会更低、你可以再融资的期望去买房，” Bankrate 的金融分析师兼注册财务规划师 Stephen Kates 告诉 MarketWatch。</p>
<p>“这是个坏主意，因为人们在过去几年里一直这样做……结果让他们非常失望，” 他补充道。</p>
<p>抵押贷款利率在 2023 年底飙升至 7.76%，而利率如此之高的借款人一直在急切等待更低的利率以便再融资，这通常只有在借款人能找到比现有利率低至少 75 个基点的利率时才有意义。（一个基点等于百分之一。）截至周三，30 年期平均利率为 6.36%。</p>
<p>新泽西州的抵押贷款经纪人 Michael Read 也建议买家要有耐心，因为预计住房市场将在明年改善。想要搬家的买家和现有房主 “如果等待的话，会看到市场上有更多的房源开放，” Read 说。</p>
<p>“不要急于行动，因为美联储已经降息。这是他们不应该做的，” 他补充道。</p>
<p>阅读更多：明年房价和抵押贷款利率会下降吗？你的 2026 年房地产预测。</p>
<p>考虑再融资 7% 的抵押贷款利率</p>
<p>尽管如此，在这个时候再融资高利率的抵押贷款可能是个好主意。</p>
<p>Read 表示，他的一些客户的抵押贷款利率为 7%，对于这些人来说，再融资可能是有利的，因为他们可以将每月还款减少数百美元。</p>
<p>Kates 表示，如果房主当前的利率比市场普遍利率高出 1% 或更多，那么考虑再融资是值得的。</p>
<p>与此同时，房主不应仅仅因为他们认为未来几个月和几年抵押贷款利率的趋势而感到必须再融资。</p>
<p>“你应该询问一下，但如果利率没有达到你需要的水平，而你又希望利率下降或继续观望，那么就不要急于行动，” Read 说。</p>
<p>虽然一些贷款机构可能会提供利率调整或免费再融资，但其他机构可能要求借款人支付固定费用、交易费用或其他费用。根据 LendingTree 的数据显示，再融资的交易费用可能占贷款金额的 2% 到 6%。</p>
<p>在等待再融资机会时提升你的信用评分</p>
<p>在等待利率下降的同时，人们可以采取的另一个明智举措是提高他们的信用评分，因为更好的评分可以带来更有利的利率和贷款条款。</p>
<p>“这是人们可以控制的事情，” Kates 说。一般来说，较高的信用评分会降低借款人的抵押贷款利率，因为它向贷款人表明借款人是可信的，并且会偿还贷款。</p>
<p>即使一个有意购房者的首付款还没有 “到位”，或者再融资现在看起来不是个好主意，“你也要做好准备，随时出击，” 他说，“如果利率降到一个可以接受的水平。”</p>
<p>不要因为利率下降而申请贷款</p>
<p>最后，不要因为利率可能是你一段时间以来见过的最低而考虑承担新的贷款。</p>
<p>如果没有真正的理由去申请贷款，就不要这样做，Kates 说。这不仅适用于抵押贷款，也适用于开设新的信用卡或申请房屋净值信贷额度。</p>
<p>“你应该有理由去获取信用，而不是仅仅因为利率，” 他说。</p>
<p>-Aarthi Swaminathan</p>
<p>本文由 MarketWatch 创作，MarketWatch 由道琼斯公司运营。MarketWatch 与道琼斯新闻通讯和《华尔街日报》独立出版。</p>
<p>（完）道琼斯新闻通讯</p>
<p>12-10-25 1603ET</p>

房利美

<p>美联储已第三次降息，这可能是近期最后一次。专家建议购房者和房主要保持谨慎和耐心。受 10 年期国债影响，抵押贷款利率预计不会大幅下降。购房者不应急于购买，而那些利率较高的房主可以考虑再融资。建议在等待更好利率的同时提升信用评分</p>

<p>By Aarthi Swaminathan</p>
<div class="lb-trans"><p>作者：Aarthi Swaminathan</p>
</div><p>Home buyers and homeowners have been waiting for lower rates. Here's their best move now.</p>
<div class="lb-trans"><p>购房者和房主一直在等待更低的利率。现在他们的最佳选择是什么？</p>
</div><p>Two experts MarketWatch spoke with advised aspiring buyers and homeowners to exercise caution and have patience.</p>
<div class="lb-trans"><p>MarketWatch 采访的两位专家建议有意购房者和房主要谨慎行事，并保持耐心。</p>
</div><p>The Federal Reserve has cut interest rates for the third time in a row - and possibly the last time for a while. What's the best move home buyers and homeowners can make right now - and what could be a costly mistake?</p>
<div class="lb-trans"><p>美联储已连续第三次降息——可能也是一段时间内的最后一次。购房者和房主现在可以采取什么最佳行动——以及可能会犯的代价高昂的错误是什么？</p>
</div><p>The Fed on Wednesday cut its benchmark interest rate by 25 basis points in response to concerns about the U.S. labor market but signaled that it could hold off on further cuts.</p>
<div class="lb-trans"><p>美联储周三将基准利率下调 25 个基点，以应对对美国劳动力市场的担忧，但表示可能会暂停进一步的降息。</p>
</div><p>Mortgage rates, which are not determined by the Fed, moved up in anticipation of the cut, as the bond market worried about the future direction of the Fed's interest-rate policy and the U.S. economy.</p>
<div class="lb-trans"><p>抵押贷款利率并不是由美联储决定的，因而在降息预期下上升，因为债券市场担心美联储的利率政策和美国经济的未来走向。</p>
</div><p>Mortgage rates don't directly follow the direction of the Fed's benchmark short-term interest rate. Instead, they tend to move in tandem with the yield on the 10-year Treasury note.</p>
<div class="lb-trans"><p>抵押贷款利率并不直接跟随美联储的基准短期利率的方向。相反，它们往往与 10 年期国债收益率同步波动。</p>
</div><p>Home buyers and homeowners who've been waiting for an opening may be wondering if now is a good time to jump in or to refinance their mortgage. Two experts MarketWatch spoke with advised aspiring buyers and homeowners to exercise caution and have patience.</p>
<div class="lb-trans"><p>一直在等待机会的购房者和房主可能在想，现在是否是跳入市场或再融资的好时机。MarketWatch 采访的两位专家建议有意购房者和房主要谨慎行事，并保持耐心。</p>
</div><p>Don't rush a home purchase</p>
<div class="lb-trans"><p>不要急于购房</p>
</div><p>Who should embark on a house hunt now? The answer hasn't changed: It's still people who can afford it - which is mostly older buyers who can offer cash.</p>
<div class="lb-trans"><p>现在谁应该开始找房？答案没有改变：仍然是那些能够负担得起的人——主要是能够支付现金的老年买家。</p>
</div><p>The Fed's latest cut doesn't mean there's any rush to buy a house right now, because mortgage rates aren't expected to fall significantly - or to rise. Most industry forecasts expect rates to gradually move down over the course of next year but not to fall dramatically.</p>
<div class="lb-trans"><p>美联储最新的降息并不意味着现在就急于购房，因为抵押贷款利率预计不会显著下降——也不会上升。大多数行业预测预计利率将在明年逐渐下降，但不会大幅下跌。</p>
</div><p>&#34;Our forecast is for mortgage rates to stay within a fairly narrow range over the next few years,&#34; Mike Fratantoni, chief economist at the Mortgage Bankers Association, said in a statement. &#34;This forecast becomes more likely as the Fed reaches the end of their cutting cycle next year.&#34;</p>
<div class="lb-trans"><p>“我们的预测是，抵押贷款利率在未来几年将保持在一个相对狭窄的范围内，” 抵押贷款银行家协会首席经济学家 Mike Fratantoni 在一份声明中表示。“随着美联储明年降息周期的结束，这一预测变得更加可能。”</p>
</div><p>About 73% of people responding to a recent Fannie Mae survey in September said it was a bad time to buy. They're not wrong.</p>
<div class="lb-trans"><p>在最近的一项 Fannie Mae 调查中，约 73% 的人表示现在购房不是一个好时机。他们并没有错。</p>
</div><p>If you can't afford a home now, &#34;don't buy it with the anticipation that mortgage rates would be lower next year and you can refinance,&#34; Stephen Kates, a financial analyst at Bankrate and a certified financial planner, told MarketWatch.</p>
<div class="lb-trans"><p>如果你现在负担不起房子，“不要抱着明年抵押贷款利率会更低、你可以再融资的期望去买房，” Bankrate 的金融分析师兼注册财务规划师 Stephen Kates 告诉 MarketWatch。</p>
</div><p>&#34;That's a bad idea, because people have been doing that for a couple of years now ... and they've been sorely disappointed,&#34; he added.</p>
<div class="lb-trans"><p>“这是个坏主意，因为人们在过去几年里一直这样做……结果让他们非常失望，” 他补充道。</p>
</div><p>Mortgage rates soared to 7.76% in late 2023, and borrowers with rates that high have been eagerly awaiting lower rates so they can refinance, which generally makes sense only when the borrower can find a rate that is at least 75 basis points lower than their existing rate. (One basis point equals one hundredth of a percentage point.) As of Wednesday, the average 30-year rate was 6.36%.</p>
<div class="lb-trans"><p>抵押贷款利率在 2023 年底飙升至 7.76%，而利率如此之高的借款人一直在急切等待更低的利率以便再融资，这通常只有在借款人能找到比现有利率低至少 75 个基点的利率时才有意义。（一个基点等于百分之一。）截至周三，30 年期平均利率为 6.36%。</p>
</div><p>Michael Read, a New Jersey-based mortgage broker, also advised buyers to have patience, because the housing market is expected to improve over the next year. Buyers and current homeowners looking to move &#34;should go about it with a little more patience. They're going to see more inventory open up in this market&#34; if they wait, Read said.</p>
<div class="lb-trans"><p>新泽西州的抵押贷款经纪人 Michael Read 也建议买家要有耐心，因为预计住房市场将在明年改善。想要搬家的买家和现有房主 “如果等待的话，会看到市场上有更多的房源开放，” Read 说。</p>
</div><p>&#34;Don't be in a hurry to make a move because the Fed has cut rates. That's what they shouldn't do,&#34; he added.</p>
<div class="lb-trans"><p>“不要急于行动，因为美联储已经降息。这是他们不应该做的，” 他补充道。</p>
</div><p>Read more: Will home prices and mortgage rates go down next year? Your 2026 real-estate forecast.</p>
<div class="lb-trans"><p>阅读更多：明年房价和抵押贷款利率会下降吗？你的 2026 年房地产预测。</p>
</div><p>Think about refinancing a 7% mortgage rate</p>
<div class="lb-trans"><p>考虑再融资 7% 的抵押贷款利率</p>
</div><p>Still, refinancing a mortgage that has a high rate may be a good idea at this point.</p>
<div class="lb-trans"><p>尽管如此，在这个时候再融资高利率的抵押贷款可能是个好主意。</p>
</div><p>Read said that some of his clients have mortgages with a 7% rate, and for those people, refinancing might be beneficial because they could reduce their monthly payments by hundreds of dollars.</p>
<div class="lb-trans"><p>Read 表示，他的一些客户的抵押贷款利率为 7%，对于这些人来说，再融资可能是有利的，因为他们可以将每月还款减少数百美元。</p>
</div><p>Kates said that if a homeowner's current interest rate is 1% or more over the prevailing market rate, it's worth considering a refinance.</p>
<div class="lb-trans"><p>Kates 表示，如果房主当前的利率比市场普遍利率高出 1% 或更多，那么考虑再融资是值得的。</p>
</div><p>At the same time, homeowners shouldn't feel compelled to refinance just because of how they think mortgage rates will trend over the next few months and years.</p>
<div class="lb-trans"><p>与此同时，房主不应仅仅因为他们认为未来几个月和几年抵押贷款利率的趋势而感到必须再融资。</p>
</div><p>&#34;You should be inquiring about it, but if they're not where you need them to be, and you're looking for rates to go lower or play it out, then don't be in a hurry to make a move,&#34; Read said.</p>
<div class="lb-trans"><p>“你应该询问一下，但如果利率没有达到你需要的水平，而你又希望利率下降或继续观望，那么就不要急于行动，” Read 说。</p>
</div><p>While some lenders may offer a rate adjustment or a refinance for free, others may require borrowers to pay a flat fee, closing costs or other fees. Closing costs for refinances can run from 2% to 6% of a loan's amount, according to LendingTree.</p>
<div class="lb-trans"><p>虽然一些贷款机构可能会提供利率调整或免费再融资，但其他机构可能要求借款人支付固定费用、交易费用或其他费用。根据 LendingTree 的数据显示，再融资的交易费用可能占贷款金额的 2% 到 6%。</p>
</div><p>Work on your credit score while waiting for a refinance opportunity</p>
<div class="lb-trans"><p>在等待再融资机会时提升你的信用评分</p>
</div><p>Another smart move people can make while waiting for rates to drop is to improve their credit score, because a better score can result in more favorable interest rates and loan terms.</p>
<div class="lb-trans"><p>在等待利率下降的同时，人们可以采取的另一个明智举措是提高他们的信用评分，因为更好的评分可以带来更有利的利率和贷款条款。</p>
</div><p>&#34;That's something well within people's control,&#34; Kates said. In general, a higher credit score lowers the borrower's mortgage rate, because it signals to the lender that the borrower is creditworthy and will pay back their loan.</p>
<div class="lb-trans"><p>“这是人们可以控制的事情，” Kates 说。一般来说，较高的信用评分会降低借款人的抵押贷款利率，因为它向贷款人表明借款人是可信的，并且会偿还贷款。</p>
</div><p>Even if an aspiring buyer isn't &#34;there yet&#34; with a down payment saved, or if a refinance doesn't seem like a good idea right now, &#34;you want to be poised and ready to strike,&#34; he said, &#34;if rates get to a point where it's palatable.&#34;</p>
<div class="lb-trans"><p>即使一个有意购房者的首付款还没有 “到位”，或者再融资现在看起来不是个好主意，“你也要做好准备，随时出击，” 他说，“如果利率降到一个可以接受的水平。”</p>
</div><p>Don't apply for a loan just because rates are down</p>
<div class="lb-trans"><p>不要因为利率下降而申请贷款</p>
</div><p>Lastly, don't consider taking on a new loan just because rates may be the lowest you've seen in a while.</p>
<div class="lb-trans"><p>最后，不要因为利率可能是你一段时间以来见过的最低而考虑承担新的贷款。</p>
</div><p>If there is no real reason to apply for a loan, don't do it, Kates said. This applies not just to mortgages but to opening a new credit card or applying for a home-equity line of credit.</p>
<div class="lb-trans"><p>如果没有真正的理由去申请贷款，就不要这样做，Kates 说。这不仅适用于抵押贷款，也适用于开设新的信用卡或申请房屋净值信贷额度。</p>
</div><p>&#34;You should have a reason to access credit, rather than just [doing it] because of a rate,&#34; he said.</p>
<div class="lb-trans"><p>“你应该有理由去获取信用，而不是仅仅因为利率，” 他说。</p>
</div><p>-Aarthi Swaminathan</p>
<div class="lb-trans"><p>-Aarthi Swaminathan</p>
</div><p>This content was created by MarketWatch, which is operated by Dow Jones &amp; Co. MarketWatch is published independently from Dow Jones Newswires and The Wall Street Journal.</p>
<div class="lb-trans"><p>本文由 MarketWatch 创作，MarketWatch 由道琼斯公司运营。MarketWatch 与道琼斯新闻通讯和《华尔街日报》独立出版。</p>
</div><p>(END) Dow Jones Newswires</p>
<div class="lb-trans"><p>（完）道琼斯新闻通讯</p>
</div><p>12-10-25 1603ET</p>
<div class="lb-trans"><p>12-10-25 1603ET</p>
</div>

现在是否应该重新贷款？这可能是美联储在一段时间内的最后一次降息