大俠行天下日記 我見我聞我思 0423

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房地產利率再度高升

美國的房地產利率今天再創十年來的新高， 上週三十年定期貸款利率是百分之五點一一， 連續七個星期一路上升， 去年此時的利率只有百分之二點九七 ，几乎上漲了一倍。

當春天來臨時， 是房產交易最繁忙之季節， 但是利率之上漲造成了許多影響 ，但是由于房屋之供不應求 ，仍然是賣方市塲， 但是出售數字已經在下降之中， 由于申請貸款比去年同一時期增加了百分之四十， 許多人都無法符合條件。

雖然聯邦儲蓄銀行不是制定房屋利率之機構， 但是， 它將繼續升息，以遏阻通貨膨脹之不利情勢。

今日在歐洲之俄鳥大戰及許多國家及地區仍然遭受疫情之挑戰 ，全世界之財富仍然向美國集中許多大小公司及個人有許多現金， 能夠保值之投資仍然以地產為優先。

週末華爾街股市再度重挫， 中國政府宣佈將幫助上海地區之部份企業重啟生產線， 上海之疫情防治工作已経影響到全球供應鍊 ，政府要求工人需住進工廠及辦公室， 這是件非常艱難之任務。

Interest Rate Rises Again

The mortgage rate has continued to rise again, having now reached the highest level in more than a decade.

At the end of April 21^st, the 30-year fixed rate reached 5.11% , up 5% from a week ago. Last year at this time the rate was 2.97%. The last time rates reached this high was in April 2010.

With the cost of financing a house being about 40% higher than a year ago, demand for housing is visibly cooling as many first-time buyers are unable to qualify for the loans.

The Federal Reserve Bank is actually not the entity that sets the interest rate, but its actions strongly influence it indirectly.

The Fed is expected to raise the rate again sometime next month.

The Wall Street stock market fell again this weekend. The Chinese government announced that it would help some enterprises in Shanghai resume their production lines. 

The Shanghai’s situation has really affected the global economy and the global supply chain.

We don’t want to see the world’s economy face big challenges unless the big powers are willing to come to agreement and cooperation.