社评0320 利率仍然高居不下

利率仍然高居不下

联邦储备银行日前决定把利率维持百分之五点五不变，这将继续对贷款申请有极大影响。

鲍尔主席表示， 我们的失业率仍然维持良好， 经济指数及股市仍然稳定， 因此没有降息之需要。 

专家们认為， 因為二年前疫情时期许多房屋贷款仍然维持非常低， 大家没有利率上升之压力， 但是商业贷款及其他地產之利率面临严重挑战 ，当它们到期时， 将会在重新贷款时每月付款增加一倍， 许多因付不出贷款而被银行收回， 预计未来数月许多银行会面临大的压力和风险。

联邦何时降息， 非常难予估计。 但是， 随着大选及全球经济之衰退， 应该已经為时不远了。

Interest Rates Remain High

The Federal Reserve Bank recently decided to keep the interest rate unchanged at 5.5%, which will continue to have a great impact on loan applications.

Federal Reserve Board Chairman Jerome Power said that our unemployment rate remains good. The economic index and the stock market are still stable, so there is no need to cut interest rates.

Experts believe that because many housing loans remained very low during the epidemic two years ago, there is no pressure to raise interest rates, but the interest rates of commercial loans and other real estate are now facing serious challenges. When they mature, the monthly payment will be doubled when the loan is re-loaned. Many of the loans are recovered by the bank simply because people can't pay the loan. It is expected that many banks will face great pressure and risks in the coming months.

It is very difficult to estimate when the federal government will cut interest rates, but with the general election coming and the persistent global economic recession, it should not be far away.