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  • It's just have a bigger effect on rate, such as credit cards, in order to understand how mortgage rates a calculated, we need to actually look at the secondary mortgage markets.

  • Not to explain that you have to understand that most banks, when they give a mortgage to somebody, they'll take that paper and sell it to one of the government sponsored entities.

  • Fanny Mail, Freddie Mac.

  • Are those groups within?

  • Package the mortgages together and sell them on to the secondary markets?

  • And it is the secondary markets that set mortgage rates.

  • How do they do that?

  • Well, they think you look very closely at the 10 year Treasury bond.

  • A look of the bond markets.

  • They will always have a spread. 00:00:58.500 --> 00:01:1.720 Mortgage rates will always be higher than the yield on the 10 year Treasury. 00:01:1.760 --> 00:01:9.670 Why, if they weren't Norman investing mortgages when you could invest in bonds instead, but they relate very, very closely to each other.

  • So to understand mortgages, you really need to look at the bond market.

  • When do bond rates go up when the yields increase?

  • Attend to increase.

  • Minton economy is doing better, because at that point in time, he will tend to invest more in stocks they do in bonds.

  • Additionally, you start seeing inflation coming into play.

  • You tend to find rates going up at that point in time as well.

  • And finally, when the overseas markets are doing well, that's when you tend to see those rates rise.

  • Where do we stand today?

  • There's still a substantial amount of investment in bonds generally because of geopolitical issues overseas people moving money to the relative safety of the United States bond market.

  • How do I see it going forward?

  • I think that the yields are gonna remain fairly static through the course of most of this year. 00:01:57.500 --> 00:02:0.950 Mortgage rates are grant arrives, but increase is going to be modest. 00:02:1.560 --> 00:02:13.790 I certainly don't expect the end of the year 30 year fixed rate mortgages being much about 4.2 to 4.3% that is certainly higher than the historic closely saw back earlier on this year.

  • But the trend is still such that I don't expect mortgage rates to God by much, at least for the next couple of years.

It's just have a bigger effect on rate, such as credit cards, in order to understand how mortgage rates a calculated, we need to actually look at the secondary mortgage markets.

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聯邦加息對房貸利率有何影響? (How a Federal Interest Rate Hike Impacts Mortgage Rates)

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    林宜悉 發佈於 2021 年 01 月 14 日
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