Name: 關於川普的行政命令：想提振房市，你該知道的重點！ (What to know about Trump's executive order aimed at boosting housing market)
Uploaded: 2026-01-26T06:24:34.000Z
Duration: 3 min 1 s

The president, he has signed a new executive order this week aimed at boosting the sluggish housing market.

總統這週簽署了一項新的行政命令，旨在提振低迷的房市。

The goal is to increase the supply of homes to buy by preventing Wall street investors from purchasing single family homes for the rental market.

目標是透過阻止華爾街投資者購買用於出租市場的獨棟房屋，來增加房屋的供應量。

All right, so CBS News business analyst is here.

好的，CBS新聞的商業分析師在這裡。

Jill Schlesinger, thank you so much for joining us.

Jill Schlesinger，非常感謝妳的加入。

所以這項行政命令會做些什麼？

I think it's going to have limited impact.

First of all, the share of the institutional investor market in housing is small.

首先，機構投資者在房市的佔比很小。

So we're talking again, as you said, a big company piles up money, they buy up houses, they become landlords.

所以我們再次談到，就像妳說的，大公司累積資金，他們收購房屋，然後成為房東。

And there's a fear that if you do too much of that, then you really take a lot of housing stock offline.

而且大家擔心，如果這樣做太多，就會讓大量的房屋庫存下架。

But I don't think this is going to have a real move the needle issue.

但我認為這不會產生什麼實質性的影響。

I think that it is a limited impact, as I said.

我認為就像我說的，影響有限。

So I wouldn't really focus on this when it comes to the housing market.

所以關於房市，我不會太關注這件事。

You hear about mortgage rates that are dropping.

How do you think that's going to impact the housing market?

你認為這會對房市有什麼影響？

You think that it's great for buyers, not so great, maybe for sellers?

你覺得這對買家很好，但對賣家可能就沒那麼好？

Well, I think it's really good for the house housing market actually.

嗯，我認為這對房市其實非常好。

And you know, remember we peaked at 30 year mortgage rates at around, let's call it 8% in 2023.

而且你知道，記得我們在 2023 年 30 年預售屋貸利率最高時，大約是 8%。

Then we came down to around 7% at the beginning of 25.

然後在 25 年初，我們降到了大約 7%。

there is evidence that this week we're going to get a higher print because as we talked about yesterday, when bonds sell off, mortgage rates start to creep up again.

有跡象顯示這週的數據會比較高，因為就像我們昨天討論的，當債券下跌時，房貸利率又會開始爬升。

With mortgage rates down, this is helpful for the housing market in general.

隨著房貸利率下降，這對整體房市很有幫助。

Just remember it's very difficult to think about home if you've got a mortgage that is say under 5%.

只要記得，如果你有低於 5% 的房貸，要考慮買房真的很難。

I need another mortgage, but I really want to give up my juicy 3 or 4% mortgage.

我需要另一筆房貸，但我真的很想放棄我那划算的 3% 或 4% 的房貸。

Well, almost 70% of homeowners have mortgage rates under 5%.

嗯，將近 70% 的屋主房貸利率低於 5%。

So as mortgage interest rates come down, more people will be inclined to list their homes.

所以當房貸利率下降時，會有更多人傾向掛牌出售他們的房子。

So at the end of last year, the median home price was around $428,000.

所以去年底，中位房屋價格大約是 428,000 美元。

It is up more than 28% from five years ago.

I think the good news is that because the housing market has remained somewhat sluggish and affordability has been a problem, the rate of price increases has slowed down dramatically.

我認為好消息是，因為房地產市場一直有點低迷，而且可負擔性一直是個問題，房價上漲的速度已經大幅減緩。

But that overall price, a 6% mortgage, high property taxes, high insurance costs, makes affordability a very difficult hurdle to get over if you're a first time homebuyer.

但是整體房價、6%的房貸利率、高額的財產稅和保險費用，對於首購族來說，會讓可負擔性成為一個非常難克服的障礙。

And if you're a first time homebuyer, you have any advice?

那麼，如果你是首購族，有什麼建議嗎？

Well, I mean, first of all, I've talked about this so often, like don't be afraid of renting if it's a better alternative for you.

嗯，我的意思是，首先，我說過很多次了，如果租房對你來說是更好的選擇，就不要害怕租房。

But you always say that's like throwing money away.

但你總是說那就像把錢丟到水裡。

Because if you rent and you had the amount of money you were going to pay towards carrying that house.

因為如果你租房，然後你把原本要用來負擔房子的錢。

You put that in your 401k, that's not throwing money away.

存進你的401(k)退休帳戶，那就不算是把錢丟到水裡了。

That's being efficient and being a wealth accumulator.

我喜歡「財富累積者」這個說法。

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關於川普的行政命令：想提振房市，你該知道的重點！ (What to know about Trump's executive order aimed at boosting housing market)

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