網(wǎng)友討論：為什么美聯(lián)儲(chǔ)降息沒有讓抵押貸款變得更便宜？
Why Fed Rate Cuts Aren’t Making Mortgages Cheaper
譯文簡(jiǎn)介
美聯(lián)儲(chǔ)的利率決策會(huì)影響抵押貸款的成本。但美聯(lián)儲(chǔ)的決策與您每月還款之間的聯(lián)系并不是直接的。美聯(lián)儲(chǔ)的決策影響了投資者對(duì)債務(wù)產(chǎn)品（如國(guó)債和抵押貸款支持證券）的需求。
正文翻譯
Federal Reserve interest rate decision can affect the cost of mortgages. But that lix from the Fed to your monthly payment isn’t direct. Fed decisions affect the investors demand for debt products like treasury bills and mortgage-backed securities. The shifting demand will, in turn, affect the rates Americans pay for new mortgages. Meanwhile, the Fed is reducing its holdings of debt, which it accrued during recent economic emergencies. That reduction in the Fed's assets, particularly mortgage-backed securities holdings, could keep upward pressure on mortgage rates. The upward pressure may keep rates elevated even as the Fed reduces the federal funds rate heading into 2025.
美聯(lián)儲(chǔ)的利率決策會(huì)影響抵押貸款的成本。但美聯(lián)儲(chǔ)的決策與您每月還款之間的聯(lián)系并不是直接的。美聯(lián)儲(chǔ)的決策影響了投資者對(duì)債務(wù)產(chǎn)品（如國(guó)債和抵押貸款支持證券）的需求。這種需求變化反過來(lái)會(huì)影響美國(guó)人支付的新抵押貸款利率。與此同時(shí)，美聯(lián)儲(chǔ)正在減少它在經(jīng)濟(jì)危機(jī)期間積累的債務(wù)資產(chǎn)，特別是抵押貸款支持證券的持有量。這種資產(chǎn)的減少，特別是抵押貸款支持證券的減少，可能會(huì)對(duì)抵押貸款利率施加上行壓力。這種上行壓力可能會(huì)導(dǎo)致利率保持在較高水平，即使美聯(lián)儲(chǔ)在2025年進(jìn)入降息周期。
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It’s no mystery. None at all.
It’s greed. Record corporate profits across the board while the middle and lower class is struggling with inflation and price increases. It’s a massive redistribution of wealth, from us to CEOs.
這不是什么謎題，根本不是。
是貪婪。企業(yè)創(chuàng)下創(chuàng)紀(jì)錄的利潤(rùn)，而中產(chǎn)階級(jí)和低收入階層在通貨膨脹和物價(jià)上漲中掙扎。這是財(cái)富的大規(guī)模再分配，從我們這兒到首席執(zhí)行官手里。
The younger generation lost by not buying up all the foreclosed houses when they were in Kindergarten. Damn them wanting to go outside and play instead!!!
年輕一代錯(cuò)失了機(jī)會(huì)，他們本該在還在上幼兒園時(shí)就買下所有的止贖房屋。該死的，他們居然想去外面玩！
The US stock market is experiencing a mixed performance. The Dow Jones Industrial Average is down slightly, while the S&P 500 is trading relatively flat. The tech-heavy Nasdaq Composite is showing a modest gain, driven by the performance of major tech stocks.
美國(guó)股市表現(xiàn)混合。道瓊斯工業(yè)平均指數(shù)略有下跌，而標(biāo)準(zhǔn)普爾500指數(shù)相對(duì)平穩(wěn)。以科技股為主的納斯達(dá)克綜合指數(shù)則小幅上漲，主要得益于大型科技股的表現(xiàn)。
Get corporations out of home ownership
讓公司遠(yuǎn)離房地產(chǎn)所有權(quán)。
Remember how we were told ALL YEAR "once the Fed starts trimming rates, mortgage rates will go down!!!" - yeah...about that.
記得我們今年整年都被告知“只要美聯(lián)儲(chǔ)開始削減利率，抵押貸款利率就會(huì)下降?。?！”——嗯……關(guān)于這個(gè)。
原創(chuàng)翻譯：龍騰網(wǎng) http://top-shui.cn 轉(zhuǎn)載請(qǐng)注明出處
If sellers must sell, home prices will have to decline, and lower uations will follow. However, people will have to accept 'reality' that we won't ever return to 3%. I now look towards the stock market to fuel my millionaire goal. Sure I'm not alone in my chain of thoughts.
如果賣家必須出售，房?jī)r(jià)就不得不下跌，評(píng)估價(jià)值也會(huì)隨之下降。然而，人們必須接受“現(xiàn)實(shí)”，我們永遠(yuǎn)不會(huì)回到3%的利率了。我現(xiàn)在開始關(guān)注股市，以實(shí)現(xiàn)我的百萬(wàn)富翁目標(biāo)。當(dāng)然，我不是唯一有這種想法的人。
Ugh, $1,373 a month vs $2,222 hurts a lot.
唉，每月$1,373對(duì)比$2,222，真是太痛苦了。
Am 58 retiring next year but the thought of retirement gives me weakness. My apologies to everyone who have retired and filing social security during this time after putting in all those years of work just to lose everything to a problem you never imagined to happen. It’s so difficult for people who are retired and have no savings or loved ones to fall back on. what's the best way to grow my income.
我58歲，明年退休，但一想到退休就感到虛弱。對(duì)那些已經(jīng)退休并且開始領(lǐng)社會(huì)保障金的人感到抱歉，他們辛苦工作了這么多年，卻因?yàn)闆]想到的事情失去了一切。對(duì)于那些沒有儲(chǔ)蓄或親人可依靠的退休人士來(lái)說(shuō)，真的很困難。有什么辦法能增加我的收入嗎？
The damage has been done, nobody is going to lower the asking price on their home. Half a million for what can be considered a started home is ridiculous.
損害已經(jīng)造成了，沒有人會(huì)降低他們的房屋售價(jià)。像這樣一個(gè)可以算作起步房的房子要價(jià)五十萬(wàn)美元，真是荒謬。
First mortgages with rates of 8 to 9% and 9% to 10% were common when I bought my first house to live in, which was in Miami in the early 1990s. People will have to come to terms with the fact that we may never get back to 3%. Home prices will have to drop if sellers are forced to sell, and appraisals will drop as a result. I'm very certain that I'm not the only one thinking this.
我在1990年代初期買第一套房子時(shí)，抵押貸款利率在8%到9%，甚至9%到10%都是常見的。人們必須接受一個(gè)事實(shí)，那就是我們可能永遠(yuǎn)回不到3%的利率了。如果賣家被迫出售，房?jī)r(jià)就得下跌，評(píng)估價(jià)值也會(huì)隨之下降。我很確定，我不是唯一這么想的人。
I've been watching the housing market closely, Prices have been skyrocketing for years. It's going to be tough for first-time buyers to enter the market." how can one diversify $280k reserve .
我一直在密切關(guān)注房地產(chǎn)市場(chǎng)，價(jià)格已經(jīng)飆升多年。對(duì)于首次購(gòu)房者來(lái)說(shuō)，進(jìn)入市場(chǎng)將會(huì)非常艱難。如何讓28萬(wàn)美元的儲(chǔ)備資金實(shí)現(xiàn)多樣化？
原創(chuàng)翻譯：龍騰網(wǎng) http://top-shui.cn 轉(zhuǎn)載請(qǐng)注明出處
Mortgage rates are currently at an all time high since 2000(24 years) and based on statistics on inflation, we might see that number skyrocket further, a 30-year fixed rate was only 5% this time last year, so do I just keep waiting for a housing crash before buying or redirect my focus to the equity market
現(xiàn)在的抵押貸款利率是自2000年以來(lái)的最高水平（24年），根據(jù)通脹統(tǒng)計(jì)數(shù)據(jù)，可能會(huì)看到這個(gè)數(shù)字進(jìn)一步飆升，去年這個(gè)時(shí)候30年固定利率僅為5%。我該繼續(xù)等待房地產(chǎn)崩盤再買房，還是把關(guān)注點(diǎn)轉(zhuǎn)向股市？
It's why I'm not buying a house at the moment. Prefer to be investing at this time. It's why I've been thinking of diversification. I have about 200k I would like to spread across across different investment classes, including and especially stocks and digital assets. Could you make any recommendations for me?
這就是為什么我目前不打算買房。我更傾向于現(xiàn)在進(jìn)行投資。這也是我在考慮分散投資的原因。我有大約20萬(wàn)美元，想把它分散到不同的投資類別中，尤其是股票和數(shù)字資產(chǎn)。你能給我一些建議嗎？
原創(chuàng)翻譯：龍騰網(wǎng) http://top-shui.cn 轉(zhuǎn)載請(qǐng)注明出處
Home's don't FEEL unaffordable... they ARE unaffordable. This is what happens when a feckless Central Bank prints and buys trillions of dollars of government debt to artificially drive down interest rates. The entire RE market got repriced when you could get a 30 year mortgage for 2.85%. Of course mortgage rates are going up- investors aren't stupid and they are legitimately worried about future inflation and don't want to get paid back in confetti. Longer dated debt, 10+ years could care less about the FED's stupid Federal Funds Rate.. that is 24 hour debt with zero duration risk. Longterm and short-term debt are entirely different markets. Mortgage rates are going higher.
房子不是“感覺”無(wú)法負(fù)擔(dān)，而是“真的”無(wú)法負(fù)擔(dān)。這就是當(dāng)一個(gè)無(wú)所作為的中央銀行印刷并購(gòu)買了數(shù)萬(wàn)億的政府債務(wù)，以人為壓低利率時(shí)發(fā)生的事情。當(dāng)你能以2.85%的利率獲得30年期抵押貸款時(shí)，整個(gè)房地產(chǎn)市場(chǎng)的定價(jià)發(fā)生了變化。當(dāng)然，抵押貸款利率現(xiàn)在在上漲——投資者不是傻子，他們確實(shí)擔(dān)心未來(lái)的通貨膨脹，不愿意用紙幣償還債務(wù)。長(zhǎng)期債務(wù)（超過10年）根本不關(guān)心美聯(lián)儲(chǔ)的愚蠢聯(lián)邦基金利率——那是24小時(shí)債務(wù)，沒有期限風(fēng)險(xiǎn)。長(zhǎng)期債務(wù)和短期債務(wù)是完全不同的市場(chǎng)。抵押貸款利率正在上升。
The record high number of cash purchases is due to CORPORATE BUYING!! The average person can barely come up with the down payment today, let alone pay all cash.
創(chuàng)紀(jì)錄的現(xiàn)金購(gòu)房數(shù)量是因?yàn)槠髽I(yè)買房！普通人今天幾乎無(wú)法支付首付，更不用說(shuō)全款購(gòu)房了。
I feel fortunate. I locked in at 2.75 but by the time my mortgage close it was 2.9. I'd be paying over $1000 more a month if I had to do it today.
我感覺自己很幸運(yùn)。我在2.75%時(shí)鎖定了利率，但等到我的抵押貸款關(guān)閉時(shí)，已經(jīng)是2.9%。如果今天重新貸款，我每個(gè)月得多支付1000多美元。
This is CNBC’s best video. Incredible sources. Incredibly obxtive information. Very well researched.
Whoever produced this video deserves a nice bonus this holiday season!!!
這是CNBC最棒的視頻。來(lái)源非常強(qiáng)大，信息非常客觀，研究也非常透徹。制作這個(gè)視頻的人應(yīng)該得到一個(gè)不錯(cuò)的節(jié)日獎(jiǎng)金！
Given the re-inverting yield curve and increased market volatility, I'm reuating my portfolios, and the outlook is concerning. How should I reallocate funds within my 2m portfolio to navigate the panic and take advantage?
鑒于收益率曲線重新倒掛和市場(chǎng)波動(dòng)性增加，我正在重新評(píng)估我的投資組合，前景令人擔(dān)憂。如何在我的200萬(wàn)美元投資組合中重新分配資金，以應(yīng)對(duì)市場(chǎng)恐慌并利用機(jī)會(huì)？
Because companies are banking on us being used to the high prices.
因?yàn)楣驹谘鹤⑽覀円呀?jīng)習(xí)慣了高價(jià)格。
Honestly, this situation makes me feel uneasy, particularly with the Fed's decision to cut interest rates by 25 bps. It indicates deeper economic concerns, and I'm uncertain about my $130K investment strategy, especially with the possibility of not just a recession but potentially a depression.
老實(shí)說(shuō)，考慮到美聯(lián)儲(chǔ)決定將利率下調(diào)25個(gè)基點(diǎn)，我對(duì)這種情況感到不安。這表明經(jīng)濟(jì)可能面臨更深層次的擔(dān)憂，我對(duì)自己13萬(wàn)美元的投資策略感到不確定，尤其是現(xiàn)在不僅有衰退的可能，甚至可能是蕭條。
I was blessed enough to have gotten my home in the middle of the pandemic at 3.2%. Unless rates go below that ever again, I am sitting right here.
我很幸運(yùn)，在疫情中期以3.2%的利率買了房子。除非利率再降到那個(gè)水平，否則我就待在這里。
I was blessed enough to have gotten my home in the middle of the pandemic at 3.2%. Unless rates go below that ever again, I am sitting right here.
我很幸運(yùn)，在疫情中期以3.2%的利率買了房子。除非利率再降到那個(gè)水平，否則我就待在這里。
Let individuals borrow from the Fed at the same rates as the big banks.
讓個(gè)人以與大銀行相同的利率從美聯(lián)儲(chǔ)借款。
Crypto is risky as many would say but I think the actual risk in Crypto is not investing, buying the capitulation isn't a tough call, but it is a very tough call to figure out what to do aside holding. I remember when I just got into crypto back in 2019 but later in 2020 I ended up selling it because I was dumb and I didn't understand it. I studied and learned and now I know how it works. Got back into crypto early in 2023 with 10k and I’m up with 128k in a short period of time
加密貨幣很危險(xiǎn)，很多人都會(huì)這么說(shuō)，但我認(rèn)為在加密貨幣中的實(shí)際風(fēng)險(xiǎn)并不是投資本身，買入市場(chǎng)低谷其實(shí)不難，但要做出決策時(shí)最大的難點(diǎn)是該怎么做，除非只是持有。我記得我在2019年剛接觸加密貨幣時(shí)，后來(lái)在2020年因?yàn)椴欢唾u了。后來(lái)我學(xué)習(xí)和研究了它，現(xiàn)在知道它是怎么運(yùn)作的。2023年初我以1萬(wàn)美元重新進(jìn)入加密市場(chǎng)，現(xiàn)在已經(jīng)漲到了12.8萬(wàn)美元，時(shí)間不長(zhǎng)。
This is a supply side issue that is being exacerbated by both individual and corporate greed. You can’t have affordable housing when you have a bunch of corporations buying up large swaths of affordable homes and outbidding single buyers. That just makes a bad issue worse because we already have an issue with individual investors owning 10, 20+ properties and becoming rent seekers. Pair that with an environment where existing home owners do everything they can to prevent new construction of homes to protect their home values and you have an environment with high rates and incredibly limited supply, ridiculous housing prices, and an environment with incredibly low mobility
這是一個(gè)供應(yīng)端問題，且被個(gè)人和企業(yè)的貪婪加劇了。你無(wú)法實(shí)現(xiàn)負(fù)擔(dān)得起的住房，當(dāng)有一堆公司收購(gòu)大量可負(fù)擔(dān)住房并超過單個(gè)買家的出價(jià)時(shí)，問題就會(huì)變得更糟。因?yàn)槲覀円呀?jīng)面臨著個(gè)人投資者擁有10、20套以上的房產(chǎn)并成為租金索取者的問題。再加上一個(gè)環(huán)境，現(xiàn)有房主盡一切努力防止新房建設(shè)以保護(hù)他們的房產(chǎn)價(jià)值，你就會(huì)有一個(gè)高利率、供應(yīng)極其有限、房?jī)r(jià)荒謬、流動(dòng)性極低的環(huán)境。
American dream is dead for middle class workers.
美國(guó)夢(mèng)對(duì)中產(chǎn)階級(jí)工人來(lái)說(shuō)已經(jīng)死了。
I'm very disappointed this didn't mention hedge funds buying entire housing developments..... A huge impact....
我非常失望，文中沒有提到對(duì)沖基金收購(gòu)整個(gè)住宅開發(fā)項(xiàng)目……這是一個(gè)巨大的影響……
My parents bought a house in 2012 when their mortgage was going to be $2,200 compared to them paying $1200 a month for rent. Over ten years on the mortgage is half that and rent is now more expensive than when they bought their house.
It’s worth it to buy a home so long as you can reasonably afford it
我父母在2012年買了一套房子，當(dāng)時(shí)他們的抵押貸款月供是2200美元，而租房的月租是1200美元。十年后，抵押貸款剩余的一半，租金現(xiàn)在比他們買房時(shí)還貴。
只要你能夠合理負(fù)擔(dān)，買房是值得的。
Ban Airbnb in non-tourist areas, put a limit on foreign investment and corporate ownership of homes. I think those three things would make a big difference.
禁止在非旅游區(qū)進(jìn)行Airbnb短租，限制外國(guó)投資和公司購(gòu)買住房。我認(rèn)為這三項(xiàng)措施會(huì)有很大的不同。
I think that the growing manipulation by investors that are buying up a large amount of the housing has also increased housing prices and the government isn't doing anything about it and these reports don't adequately shed light on how they corrupt the system.
我認(rèn)為，投資者大規(guī)模收購(gòu)房產(chǎn)的行為已經(jīng)推高了房?jī)r(jià)，而政府沒有采取任何措施，且這些報(bào)告并沒有充分揭示它們?nèi)绾胃g系統(tǒng)。
Two things. First and most imporatantly - BUILD MORE HOMES to increase the supply. Second is stop letting banks/corporations (and rich individuals) from buying more than 1-2 family homes to drop the demand.
兩件事。首先，最重要的是——建造更多住房來(lái)增加供應(yīng)。其次，停止讓銀行/公司（以及富人個(gè)人）購(gòu)買超過1-2套的家庭住宅，以減少需求。
The US gets about 35% of its lumber to build homes from Canada. The 25% tariffs coming in January will drive home prices way up. Also, rounding up immigrants will leave a huge shortage in home building labor, which will also do the same. The United States imports home building materials from Mexico, though the volume and type of materials differ from those imported from Canada. Significant building materials imported from Mexico subject to tariffs include cement, steel, tiles, glass, and pre-fabricated parts for homes that will also work to drive prices up on new home construction. This will drive demand up on used homes because new homes will be too expensive to build, but with higher demand means used homes will skyrocket too. And finally, the 4 future interest rate cuts planned for 2025 have now been reduced to 2, and I wouldn't expect significant movement with inflation lingering.
美國(guó)約35%的木材來(lái)自加拿大用于建造房屋。1月開始的25%關(guān)稅將使房?jī)r(jià)大幅上漲。此外，圍捕移民將導(dǎo)致建筑勞動(dòng)力出現(xiàn)巨大短缺，也會(huì)造成類似的影響。美國(guó)從墨西哥進(jìn)口建筑材料，盡管與從加拿大進(jìn)口的材料種類和數(shù)量不同。墨西哥進(jìn)口的主要建筑材料包括水泥、鋼鐵、瓷磚、玻璃和預(yù)制房屋部件，這些都將推動(dòng)新建房屋的成本上漲。這將使二手房需求增加，因?yàn)樾路拷ㄔ斐杀具^高，但需求增加意味著二手房?jī)r(jià)格也會(huì)飆升。最后，原計(jì)劃在2025年進(jìn)行的4次降息現(xiàn)在已經(jīng)減少為2次，我認(rèn)為，由于通脹依然存在，預(yù)計(jì)不會(huì)有顯著的變化。
The Federal Reserve halted rate hikes, which is a very bold move by the Fed to stimulate economic expansion, ease financial conditions and address inflation concerns with potential benefits for consumers. The major concern for me and I believe every other investor is on opportunities present in the market to enhance overall portfolio performance
美聯(lián)儲(chǔ)暫停加息，這是美聯(lián)儲(chǔ)為了刺激經(jīng)濟(jì)擴(kuò)張、緩解金融狀況并解決通脹問題而采取的非常大膽的舉措，可能會(huì)對(duì)消費(fèi)者產(chǎn)生潛在好處。對(duì)我來(lái)說(shuō)，最大的擔(dān)憂以及我認(rèn)為其他所有投資者的擔(dān)憂是如何在市場(chǎng)中找到機(jī)會(huì)，以提升整體投資組合表現(xiàn)。
We’re focusing on the wrong things… House prices are too high! If those came down by 30%, I won’t care what the Mortgage rate percent is
我們現(xiàn)在關(guān)注的方向錯(cuò)了……房?jī)r(jià)太高了！如果這些房?jī)r(jià)下跌30%，我不在乎貸款利率是多少。
Between corporations buying houses and home builders controling the supply to keep the prices high. The average buyer gets priced out and risks more on a higher interest rate in order to buy a house.
企業(yè)購(gòu)買房產(chǎn)和房屋建造商控制供應(yīng)量來(lái)維持高房?jī)r(jià)，使得普通買家被排除在外，并且為了買房不得不承擔(dān)更高的利率風(fēng)險(xiǎn)。
Rates are not a problem. Mortgages should cost something, the issue mainly is the home prices.
利率不是問題。貸款應(yīng)該有成本，主要問題是房?jī)r(jià)。
None of this matters if corporations out bet the sales and turn them into rental units.
如果公司通過競(jìng)標(biāo)購(gòu)買并將房產(chǎn)轉(zhuǎn)為租賃單位，這一切都不重要。
26% of buyers paying all cash?! Who are these people? When the median home price (in my area) is $450K, who has an extra half-mil lying around for these homes?!
26%的買家是全款買房？這些人是誰(shuí)？在我所在地區(qū)的房屋中位價(jià)是45萬(wàn)美元，誰(shuí)有額外的50萬(wàn)美元現(xiàn)金來(lái)買這些房子？
Greedy real estate agents don't help my cause for purchasing my first home. Their commission should be 1% on both sides. If the fed drops interest rates to 1 percent then corporations would borrow so much money they would buy as much as they could. Maybe the fed should lower interest rates to 1 percent for first time home buyers.
貪婪的房地產(chǎn)經(jīng)紀(jì)人并沒有幫助我購(gòu)買我的第一套房子。他們的傭金應(yīng)該是雙方各1%。如果美聯(lián)儲(chǔ)將利率降到1%，那么公司將借入大量資金，盡可能多地購(gòu)買房產(chǎn)。也許美聯(lián)儲(chǔ)應(yīng)該對(duì)首次購(gòu)房者降低到1%的利率。
The US is unique in that you can get a 30 year fixed rate mortgage. Everywhere else in the world, interest rates are floating. Interest rates and therefore your mortgage payment changes every year if not every month.
美國(guó)的獨(dú)特之處在于你可以獲得30年固定利率的抵押貸款。世界上其他地方的利率是浮動(dòng)的。如果利率變化，每年甚至每月你的貸款還款金額都會(huì)發(fā)生變化。
Home prices were much lower in 21, and I have yet to meet someone who put 20% down on a house. This dramatically understates the current cost.
2021年的房?jī)r(jià)要低得多，而我還沒有遇到過有人支付20%首付買房的。這大大低估了當(dāng)前的購(gòu)房成本。
Nobody cares about the mortgage rate. It’s the PRICES of the houses that scare me.
沒人關(guān)心貸款利率。讓我害怕的是房子的價(jià)格。
I've always said home buying should only be allowed by American people and not by corporations (real estate businesses) because corps are only looking to make profit from real estate. An average American is maybe looking to sell the home to buy a bigger home and for the few that have the wealth to own multiple homes, at least other Americans have a better chance competing with them vs the real estate businesses within the home market.
我一直說(shuō)，購(gòu)房應(yīng)該只允許美國(guó)人購(gòu)買，而不允許公司（房地產(chǎn)企業(yè)）購(gòu)買，因?yàn)楣局皇菫榱藦姆康禺a(chǎn)中獲利。一個(gè)普通的美國(guó)人可能是為了賣掉房子換更大的房子，而對(duì)于那些有財(cái)富擁有多套房的人，至少其他美國(guó)人能有更好的機(jī)會(huì)與他們競(jìng)爭(zhēng)，而不是被房地產(chǎn)公司主導(dǎo)市場(chǎng)。
Remove this clause on corporations, and make home buying exclusive to individual Americans, ONLY THEN will the home market go back to being normal.
但我認(rèn)為問題的根源在于公司受到《平等保護(hù)條款》保護(hù)，該條款出現(xiàn)在第14修正案中，規(guī)定“公司就是人”，并且應(yīng)當(dāng)享有像個(gè)人一樣的權(quán)利。如果取消這一條款，使購(gòu)房只限于個(gè)人美國(guó)人，只有這樣，房地產(chǎn)市場(chǎng)才能恢復(fù)正常。
I think it’s going to be a long time before I can even find myself in a situation to buy a home. When they lowered interest rates, they exacerbated the problem we’ve had in this country, which is continually not building housing to keep up with demand since 2008. Homes overpriced. They’re probably not gonna go down. The average wage is not kept up with that and interest rates are high even if you lower interest rates you still have the fundamental problem of people don’t want to move out of there current interest rate and wages have not been able to keep up with the insane price increase housing has seen.
我覺得很長(zhǎng)時(shí)間內(nèi)我都不可能處于買房的情況。美聯(lián)儲(chǔ)降低利率時(shí)，加劇了我們國(guó)家長(zhǎng)期存在的問題，那就是自2008年以來(lái)沒有建造足夠的住房來(lái)跟上需求。房?jī)r(jià)過高，可能也不會(huì)下降。平均工資并沒有跟上房?jī)r(jià)的瘋狂上漲，即便降息，你仍然面臨著一個(gè)根本性的問題，那就是人們不愿意搬走，當(dāng)前的低利率讓他們不愿意放棄，而工資也沒有跟上房?jī)r(jià)的上漲。
原創(chuàng)翻譯：龍騰網(wǎng) http://top-shui.cn 轉(zhuǎn)載請(qǐng)注明出處
In Canada, your interest rate resets about every 5 years. Imagine you bought a home pre COVID for 2%, and then had your interest rate go up today at 6%! You'd have to foreclose most likely
在加拿大，你的利率大約每5年就會(huì)重置一次。想象一下，你在疫情前以2%的利率買了房子，然后今天利率漲到6%！你很可能得面臨止贖。
Long term risk combined with high demand. Higher long term inflation risk demands higher rates. And then higher demand for mortgages require higher rates. And lower money supply also requires higher rates as well (if all the money is being loaned out via credit cards and other debt, there's naturally less money for conventional mortgages).
長(zhǎng)期風(fēng)險(xiǎn)加上高需求。長(zhǎng)期的高通脹風(fēng)險(xiǎn)要求更高的利率。同時(shí)，抵押貸款的需求增加也要求更高的利率。如果資金供應(yīng)減少（比如所有的錢都被通過信用卡和其他債務(wù)借出，那么自然就沒有足夠的錢用于傳統(tǒng)的抵押貸款）。
double the tax rate for each consecutive house owned by individuals or corporations. It will get rid of the housing crisis and generate more tax revenue. The problem is many people are owning multiple houses and renting it out.
對(duì)個(gè)人或公司擁有的每套房產(chǎn)征收雙倍的稅率。這將解決住房危機(jī)，并產(chǎn)生更多的稅收收入。問題是，很多人擁有多套房產(chǎn)并將其出租。
We boguth a house earlier this year. With the mortgage rates, and the closing costs, we didnt want to have to deal with a mortgage, so i sold a bunch of stock and we bought it for cash, outbidding 9 other offers. It made the buying process way simpler (we only needed to sign about half a dozen documents), but writing a $400k+ check was painful. Having no mortgage afterwards so we both maximize building our saving back up again has been good.
我們今年早些時(shí)候買了一套房子?？紤]到抵押貸款利率和交割費(fèi)用，我們不想處理抵押貸款問題，所以我賣了一些股票，直接用現(xiàn)金買下了房子，超過了其他9個(gè)競(jìng)標(biāo)者。這讓購(gòu)買過程變得更簡(jiǎn)單（我們只需要簽署大約六份文件），但寫下40多萬(wàn)美元的支票還是很痛苦的。沒有抵押貸款之后，我們能最大化地重新建立我們的儲(chǔ)蓄，感覺很好。
Interesting , the stock market is currently experiencing a decline while bond yields are on the rise. However, there seems to be skepticism amongst investors regarding the Federal Reserve's plan to continue increasing interest rates until inflation is stabilized. As for myself, I find myself at a crossroads, uncertain whether to liquidate my $250,000 stock portfolio> I'm seeking advice on the best strategy to capitalize on this current bear market.
有趣的是，股市目前正在下跌，而債券收益率在上升。然而，投資者似乎對(duì)美聯(lián)儲(chǔ)繼續(xù)加息直到通脹穩(wěn)定的計(jì)劃持懷疑態(tài)度。就我而言，我處在一個(gè)十字路口，不確定是否應(yīng)該清算我的25萬(wàn)美元股票投資組合。我在尋求關(guān)于如何在當(dāng)前熊市中獲得最大收益的策略建議。
The beautiful thing that the US does well, is the availability of the 30 year fixed. (vs many countries that typically only offer ARM's)
美國(guó)做得很好的一點(diǎn)就是30年固定利率貸款的可獲得性。（與許多國(guó)家通常只提供可調(diào)利率貸款（ARM）不同）
Actually it can be explained by 1 word: "greed". Although we're talking about "the market" decides the mortgage rate, in actual fact, there are only so many major mortgage companies in US. If they don't get a gentle nudge from the Fed board or the federal government, they will always be quick to raise rates and slow to lower.
其實(shí)可以用一個(gè)詞來(lái)解釋：“貪婪”。雖然我們說(shuō)“市場(chǎng)”決定抵押貸款利率，但實(shí)際上，美國(guó)的主要抵押貸款公司數(shù)量有限。如果沒有美聯(lián)儲(chǔ)或聯(lián)邦政府的輕微推動(dòng)，它們總是會(huì)迅速提高利率，卻緩慢降低。
This doesn’t make sense..! People are just greedy, as soon as mortgage rates go down, the price of houses go up. The country needs to figure out a way to get more homes built to decrease the demand.
這不合理啊！人們就是貪心，一旦抵押貸款利率下降，房?jī)r(jià)就會(huì)上漲。國(guó)家需要想辦法建造更多的房屋，以減少需求。
Companies like AVB love this since it lets them buy more land, build strictly rental units, and keep more tenants
像AVB這樣的公司喜歡這種情況，因?yàn)檫@讓他們能夠買更多的土地，建造專門的租賃單位，并且保持更多的租戶。
Record high house prices make it impossible for first time home buyers. Everything has gone up besides average people's wages!
創(chuàng)紀(jì)錄的高房?jī)r(jià)讓首次購(gòu)房者根本不可能買房。一切都在漲，除了普通人的工資！
原創(chuàng)翻譯：龍騰網(wǎng) http://top-shui.cn 轉(zhuǎn)載請(qǐng)注明出處
In the Netherlands you can transfer your existing mortgage to another property, so you’d only need to take a new loan at today’s higher rates for whatever your old loan doesn’t cover after transferring. Kind of a great solution to alleviating the lock-in effect where people don’t want to sell because they don’t want to give up their old rates.
在荷蘭，你可以將現(xiàn)有的抵押貸款轉(zhuǎn)到另一處房產(chǎn)，這樣你只需要按照今天的較高利率再借款補(bǔ)足原貸款轉(zhuǎn)移后不足的部分。這是一個(gè)解決“鎖倉(cāng)效應(yīng)”的好方法，因?yàn)槿藗儾幌胭u掉房子，因?yàn)樗麄儾辉敢夥艞壟f的利率。
From $10,000 to $50,000 that's the minimum range of profit return every week I thinks it's not a bad one for me. now I have enough to pay my bills and take care of my family?
從$10,000到$50,000，這是我每周的最低利潤(rùn)回報(bào)。我覺得這對(duì)我來(lái)說(shuō)還不錯(cuò)，現(xiàn)在我有足夠的錢支付賬單并照顧我的家人?