<p>作者：Aarthi Swaminathan</p>
<p>購房者和房主一直在等待更低的利率。現在他們的最佳選擇是什麼？</p>
<p>MarketWatch 採訪的兩位專家建議有意購房者和房主要謹慎行事，並保持耐心。</p>
<p>美聯儲已連續第三次降息——可能也是一段時間內的最後一次。購房者和房主現在可以採取什麼最佳行動——以及可能會犯的代價高昂的錯誤是什麼？</p>
<p>美聯儲週三將基準利率下調 25 個基點，以應對對美國勞動力市場的擔憂，但表示可能會暫停進一步的降息。</p>
<p>抵押貸款利率並不是由美聯儲決定的，因而在降息預期下上升，因為債券市場擔心美聯儲的利率政策和美國經濟的未來走向。</p>
<p>抵押貸款利率並不直接跟隨美聯儲的基準短期利率的方向。相反，它們往往與 10 年期國債收益率同步波動。</p>
<p>一直在等待機會的購房者和房主可能在想，現在是否是跳入市場或再融資的好時機。MarketWatch 採訪的兩位專家建議有意購房者和房主要謹慎行事，並保持耐心。</p>
<p>不要急於購房</p>
<p>現在誰應該開始找房？答案沒有改變：仍然是那些能夠負擔得起的人——主要是能夠支付現金的老年買家。</p>
<p>美聯儲最新的降息並不意味着現在就急於購房，因為抵押貸款利率預計不會顯著下降——也不會上升。大多數行業預測預計利率將在明年逐漸下降，但不會大幅下跌。</p>
<p>“我們的預測是，抵押貸款利率在未來幾年將保持在一個相對狹窄的範圍內，” 抵押貸款銀行家協會首席經濟學家 Mike Fratantoni 在一份聲明中表示。“隨着美聯儲明年降息週期的結束，這一預測變得更加可能。”</p>
<p>在最近的一項 Fannie Mae 調查中，約 73% 的人表示現在購房不是一個好時機。他們並沒有錯。</p>
<p>如果你現在負擔不起房子，“不要抱着明年抵押貸款利率會更低、你可以再融資的期望去買房，” Bankrate 的金融分析師兼註冊財務規劃師 Stephen Kates 告訴 MarketWatch。</p>
<p>“這是個壞主意，因為人們在過去幾年裏一直這樣做……結果讓他們非常失望，” 他補充道。</p>
<p>抵押貸款利率在 2023 年底飆升至 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資，這通常只有在借款人能找到比現有利率低至少 75 個基點的利率時才有意義。（一個基點等於百分之一。）截至週三，30 年期平均利率為 6.36%。</p>
<p>新澤西州的抵押貸款經紀人 Michael Read 也建議買家要有耐心，因為預計住房市場將在明年改善。想要搬家的買家和現有房主 “如果等待的話，會看到市場上有更多的房源開放，” Read 説。</p>
<p>“不要急於行動，因為美聯儲已經降息。這是他們不應該做的，” 他補充道。</p>
<p>閲讀更多：明年房價和抵押貸款利率會下降嗎？你的 2026 年房地產預測。</p>
<p>考慮再融資 7% 的抵押貸款利率</p>
<p>儘管如此，在這個時候再融資高利率的抵押貸款可能是個好主意。</p>
<p>Read 表示，他的一些客户的抵押貸款利率為 7%，對於這些人來説，再融資可能是有利的，因為他們可以將每月還款減少數百美元。</p>
<p>Kates 表示，如果房主當前的利率比市場普遍利率高出 1% 或更多，那麼考慮再融資是值得的。</p>
<p>與此同時，房主不應僅僅因為他們認為未來幾個月和幾年抵押貸款利率的趨勢而感到必須再融資。</p>
<p>“你應該詢問一下，但如果利率沒有達到你需要的水平，而你又希望利率下降或繼續觀望，那麼就不要急於行動，” Read 説。</p>
<p>雖然一些貸款機構可能會提供利率調整或免費再融資，但其他機構可能要求借款人支付固定費用、交易費用或其他費用。根據 LendingTree 的數據顯示，再融資的交易費用可能佔貸款金額的 2% 到 6%。</p>
<p>在等待再融資機會時提升你的信用評分</p>
<p>在等待利率下降的同時，人們可以採取的另一個明智舉措是提高他們的信用評分，因為更好的評分可以帶來更有利的利率和貸款條款。</p>
<p>“這是人們可以控制的事情，” Kates 説。一般來説，較高的信用評分會降低借款人的抵押貸款利率，因為它向貸款人表明借款人是可信的，並且會償還貸款。</p>
<p>即使一個有意購房者的首付款還沒有 “到位”，或者再融資現在看起來不是個好主意，“你也要做好準備，隨時出擊，” 他説，“如果利率降到一個可以接受的水平。”</p>
<p>不要因為利率下降而申請貸款</p>
<p>最後，不要因為利率可能是你一段時間以來見過的最低而考慮承擔新的貸款。</p>
<p>如果沒有真正的理由去申請貸款，就不要這樣做，Kates 説。這不僅適用於抵押貸款，也適用於開設新的信用卡或申請房屋淨值信貸額度。</p>
<p>“你應該有理由去獲取信用，而不是僅僅因為利率，” 他説。</p>
<p>-Aarthi Swaminathan</p>
<p>本文由 MarketWatch 創作，MarketWatch 由道瓊斯公司運營。MarketWatch 與道瓊斯新聞通訊和《華爾街日報》獨立出版。</p>
<p>（完）道瓊斯新聞通訊</p>
<p>12-10-25 1603ET</p>

房利美

<p>美聯儲已第三次降息，這可能是近期最後一次。專家建議購房者和房主要保持謹慎和耐心。受 10 年期國債影響，抵押貸款利率預計不會大幅下降。購房者不應急於購買，而那些利率較高的房主可以考慮再融資。建議在等待更好利率的同時提升信用評分</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>購房者和房主一直在等待更低的利率。現在他們的最佳選擇是什麼？</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 採訪的兩位專家建議有意購房者和房主要謹慎行事，並保持耐心。</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>美聯儲已連續第三次降息——可能也是一段時間內的最後一次。購房者和房主現在可以採取什麼最佳行動——以及可能會犯的代價高昂的錯誤是什麼？</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>美聯儲週三將基準利率下調 25 個基點，以應對對美國勞動力市場的擔憂，但表示可能會暫停進一步的降息。</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>抵押貸款利率並不是由美聯儲決定的，因而在降息預期下上升，因為債券市場擔心美聯儲的利率政策和美國經濟的未來走向。</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>抵押貸款利率並不直接跟隨美聯儲的基準短期利率的方向。相反，它們往往與 10 年期國債收益率同步波動。</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>一直在等待機會的購房者和房主可能在想，現在是否是跳入市場或再融資的好時機。MarketWatch 採訪的兩位專家建議有意購房者和房主要謹慎行事，並保持耐心。</p>
</div><p>Don't rush a home purchase</p>
<div class="lb-trans"><p>不要急於購房</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>現在誰應該開始找房？答案沒有改變：仍然是那些能夠負擔得起的人——主要是能夠支付現金的老年買家。</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>美聯儲最新的降息並不意味着現在就急於購房，因為抵押貸款利率預計不會顯著下降——也不會上升。大多數行業預測預計利率將在明年逐漸下降，但不會大幅下跌。</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>“我們的預測是，抵押貸款利率在未來幾年將保持在一個相對狹窄的範圍內，” 抵押貸款銀行家協會首席經濟學家 Mike Fratantoni 在一份聲明中表示。“隨着美聯儲明年降息週期的結束，這一預測變得更加可能。”</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>在最近的一項 Fannie Mae 調查中，約 73% 的人表示現在購房不是一個好時機。他們並沒有錯。</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>如果你現在負擔不起房子，“不要抱着明年抵押貸款利率會更低、你可以再融資的期望去買房，” Bankrate 的金融分析師兼註冊財務規劃師 Stephen Kates 告訴 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>“這是個壞主意，因為人們在過去幾年裏一直這樣做……結果讓他們非常失望，” 他補充道。</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>抵押貸款利率在 2023 年底飆升至 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資，這通常只有在借款人能找到比現有利率低至少 75 個基點的利率時才有意義。（一個基點等於百分之一。）截至週三，30 年期平均利率為 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>新澤西州的抵押貸款經紀人 Michael Read 也建議買家要有耐心，因為預計住房市場將在明年改善。想要搬家的買家和現有房主 “如果等待的話，會看到市場上有更多的房源開放，” Read 説。</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>“不要急於行動，因為美聯儲已經降息。這是他們不應該做的，” 他補充道。</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>閲讀更多：明年房價和抵押貸款利率會下降嗎？你的 2026 年房地產預測。</p>
</div><p>Think about refinancing a 7% mortgage rate</p>
<div class="lb-trans"><p>考慮再融資 7% 的抵押貸款利率</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>儘管如此，在這個時候再融資高利率的抵押貸款可能是個好主意。</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貸款利率為 7%，對於這些人來説，再融資可能是有利的，因為他們可以將每月還款減少數百美元。</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，如果房主當前的利率比市場普遍利率高出 1% 或更多，那麼考慮再融資是值得的。</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>與此同時，房主不應僅僅因為他們認為未來幾個月和幾年抵押貸款利率的趨勢而感到必須再融資。</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>“你應該詢問一下，但如果利率沒有達到你需要的水平，而你又希望利率下降或繼續觀望，那麼就不要急於行動，” Read 説。</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>雖然一些貸款機構可能會提供利率調整或免費再融資，但其他機構可能要求借款人支付固定費用、交易費用或其他費用。根據 LendingTree 的數據顯示，再融資的交易費用可能佔貸款金額的 2% 到 6%。</p>
</div><p>Work on your credit score while waiting for a refinance opportunity</p>
<div class="lb-trans"><p>在等待再融資機會時提升你的信用評分</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時，人們可以採取的另一個明智舉措是提高他們的信用評分，因為更好的評分可以帶來更有利的利率和貸款條款。</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>“這是人們可以控制的事情，” Kates 説。一般來説，較高的信用評分會降低借款人的抵押貸款利率，因為它向貸款人表明借款人是可信的，並且會償還貸款。</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>即使一個有意購房者的首付款還沒有 “到位”，或者再融資現在看起來不是個好主意，“你也要做好準備，隨時出擊，” 他説，“如果利率降到一個可以接受的水平。”</p>
</div><p>Don't apply for a loan just because rates are down</p>
<div class="lb-trans"><p>不要因為利率下降而申請貸款</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>最後，不要因為利率可能是你一段時間以來見過的最低而考慮承擔新的貸款。</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>如果沒有真正的理由去申請貸款，就不要這樣做，Kates 説。這不僅適用於抵押貸款，也適用於開設新的信用卡或申請房屋淨值信貸額度。</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>“你應該有理由去獲取信用，而不是僅僅因為利率，” 他説。</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 創作，MarketWatch 由道瓊斯公司運營。MarketWatch 與道瓊斯新聞通訊和《華爾街日報》獨立出版。</p>
</div><p>(END) Dow Jones Newswires</p>
<div class="lb-trans"><p>（完）道瓊斯新聞通訊</p>
</div><p>12-10-25 1603ET</p>
<div class="lb-trans"><p>12-10-25 1603ET</p>
</div>

現在是否應該重新貸款？這可能是美聯儲在一段時間內的最後一次降息