--- title: "貸款修改在政策過渡前有所增加：FHFA" type: "News" locale: "zh-HK" url: "https://longbridge.com/zh-HK/news/294559348.md" description: "FHFA 報告稱，房地美和房利美在 4 月份的止贖預防措施放緩，寬限期和還款計劃有所減少。然而，永久性貸款修改增加了 4.7%，達到了 7,484 筆，反映出政策變動前的轉變。儘管抵押貸款利率上升， refinancing 活動仍然增加，而整體逾期率保持穩定。GSEs 的止贖啓動數量下降，但全國範圍內卻有所上升" datetime: "2026-07-31T21:42:53.000Z" locales: - [zh-CN](https://longbridge.com/zh-CN/news/294559348.md) - [en](https://longbridge.com/en/news/294559348.md) - [zh-HK](https://longbridge.com/zh-HK/news/294559348.md) generator: "portal-rs" --- # 貸款修改在政策過渡前有所增加：FHFA Overall foreclosure prevention activity slowed at Fannie Mae and Freddie Mac this spring, just ahead of a transition to shorter allowable forbearance periods and more reliance on loan modification. The government-sponsored enterprises (GSEs) completed 17,201 foreclosure prevention actions during the month, representing an 8.7% drop from March's 18,835. "Foreclosure prevention actions decreased in April, driven primarily by a decrease in forbearance plans, repayment plans, and payment deferrals," the Federal Housing Finance Agency said in a report. Although foreclosure prevention activity fell in those categories, permanent loan modifications rose 4.7% to 7,484. The report also showed refinancing activity increased. Loan modifications and new forbearance activity were the only major home-retention actions to post monthly increases. Payment deferrals fell to 5,729 from 6,537 in March, while completed forbearance plans declined to 2,344 from 3,160 and repayment plans dropped to 1,476 from 1,832. The GSEs initiated 9,395 forbearance plans in April, up from 8,913 the previous month. The total number of loans in forbearance in outstanding inventory, a separate category, rose to 37,517 from 37,196. Even with the increase, loans in forbearance represented just 0.12% of the GSEs' single-family servicing portfolio, remaining well below pandemic levels. Home forfeiture activity remained limited, although completed short sales increased to 94 from 66 in March. Foreclosure starts fell 2.7% to 8,169 in April, while third-party and foreclosure sales increased 3.2% to 1,325. However, that pullback in GSE foreclosure is different from the broader market, as foreclosure starts climbed 17.6% nationally in the first half of 2026, according to ATTOM. Fannie and Freddie's loans currently have stronger credit profiles and performance track records than some loans in other parts of the market, such as the ones the Federal Housing Administration insures. Mortgage performance was generally stable. The 60-plus-day delinquency rate declined to 0.79% from 0.81%, while the serious delinquency rate edged down to 0.58% from 0.59%. Early-stage delinquencies ticked up slightly, with the 30-to-59-day delinquency rate rising to 0.94% from 0.92%, an indicator that servicers should monitor. The total refinance volume climbed to 96,028 loans in April from 91,593 in March even as the average 30-year fixed mortgage rate increased to 6.33% from 6.18%. Cash-out refinances accounted for 33% of refinance activity. However, Optimal Blue's rate-lock data showed cash-out refinance activity slipped the following month, falling 12.8%. Rate-and-term refinance activity was down 33.6% from the previous month in May. Since the start of conservatorship in 2008, the GSEs have completed more than 7.39 million foreclosure prevention actions, with permanent loan modifications accounting for about 38.6%. ### 相關股票 - [FMCC.US](https://longbridge.com/zh-HK/quote/FMCC.US.md) - [FNMA.US](https://longbridge.com/zh-HK/quote/FNMA.US.md) ## 相關資訊與研究 - [Pulte 和聯邦住房金融局（FHFA）打擊欺詐行為，加劇了對交易對手的審查風險](https://longbridge.com/zh-HK/news/298352658.md) - [VantageScore 4.0 的推出是否改變了 Federal National Mortgage Association（房利美）股票的看漲理由？](https://longbridge.com/zh-HK/news/298754949.md) - [房利美（OTCMKTS:FNMA）被分析師平均評級為 “持有”](https://longbridge.com/zh-HK/news/298283153.md) - [CrossCountry Mortgage 將符合貸款限額提高至 845,000 美元，領先於 2027 年 FHFA 的公告](https://longbridge.com/zh-HK/news/298636395.md) - [FHFA 的 Pulte 計劃本週與 VantageScore 的所有者會面，並要求 Fair Isaac 提供更具競爭力的定價](https://longbridge.com/zh-HK/news/298486275.md) --- > **免責聲明: 本文僅供參考，不構成任何投資建議。**