전미 부동산 뉴스 통계 은행 이자 몰게지 주거용 상업용 부동산 정보
30-year mortgage rates fall to lowest level in more than 6 months
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Updated 9/28/2006 3:39 PM ET (USATODAY.com) |
Mortgage giant Freddie Mac said Thursday that 30-year, fixed-rate mortgages fell to an average 6.31% this week, from 6.40% last week.
The latest drop puts the average 30-year mortgage at the lowest level since it stood at 6.24% in early March.
After hitting a four-year high 6.80% on July 20, rates on 30-year mortgages have been trending down as financial markets became more convinced that a slowing economy will help keep inflation contained.
Such a slowdown would allow the Federal Reserve to keep interest rates on hold. Fed officials announced last week that they were leaving a key interest rate unchanged for the second straight month.
Sharp declines this year in home sales and construction of new homes have provided support for the view that the economy is slowing to a more sustainable pace and eased worries about inflation.
Many analysts believe interest rates will hover around current levels for the rest of the year. Such a development is expected to help the housing industry level off after sharp declines in recent months that have seen construction of new homes fall to the lowest levels in more than three years and both new and existing homes experience price drops when compared with prices a year ago.
"Both lower mortgage rates and a moderation in house price growth should lead to increased housing affordability," said Frank Nothaft, chief economist for Freddie Mac.
Other types of mortgages showed declines this week as well.
Rates on 15-year, fixed-rate mortgages, a popular choice for refinancing, averaged 5.98%, down from 6.06% last week.
For one-year adjustable-rate mortgages, rates dipped to 5.47% on average, down from 5.54% last week.
Rates on five-year adjustable mortgages fell to an average 6.00% this week, from 6.08% last week.
The mortgage rates do not include add-on fees known as points. Thirty-year and 15-year fixed-rate mortgages both carried a nationwide average fee of 0.4 point while one-year ARMs carried a fee of 0.6 point and five-year ARMs carried an average fee of 0.5 point.
A year ago, 30-year mortgages averaged 5.91%, 15-year mortgages stood at 5.48%, one-year ARMs were at 4.68% and five-year ARMs averaged 5.44%.
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