美联储 10 月贷款官调查 银行房贷标准大体不变 各类住房贷款需求转弱
美联储 11 月 2 日发布 2026 年 10 月高级贷款官意见调查（SLOOS）：受访银行表示，第三季度对大多数类型住房抵押贷款的放贷标准大体保持不变，同时各类住宅房地产贷款的需求在净值上有所转弱，房屋净值信用额度（HELOC）需求大体不变。
本次调查回收了 61 家国内银行与 18 家外国银行在美分支机构的答复，问卷于 9 月 21 日发出，答复截止 10 月 5 日。
以符合房利美与房地美收购标准的一线购房贷款为例，报告需求“明显减弱”的银行占比，较上一季度调查有所上升；各银行对政府类、合格抵押贷款非大额非机构类等类别亦报告了不同程度的需求转弱。标准方面，绝大多数银行在各类住房贷款上选择“基本不变”。
高级贷款官意见调查是美联储每季度开展的银行业问卷调查，内容覆盖企业与家庭贷款的标准与需求变化，被金融市场用作观察信贷环境的方向性指标。
（来源：美联储）
Fed Loan Officer Survey: Mortgage Standards Basically Unchanged, Housing Loan Demand Weaker in Third Quarter
The Federal Reserve released its October 2026 Senior Loan Officer Opinion Survey on Bank Lending Practices (SLOOS) on November 2: banks reported that lending standards were left basically unchanged, on net, over the third quarter for most types of residential mortgage loans, while demand was reported weaker, on balance, across all residential real estate loan categories, with demand for home equity lines of credit (HELOCs) unchanged.
Responses were received from 61 domestic banks and 18 U.S. branches and agencies of foreign banks. The survey was sent out on September 21, 2026, with responses due by October 5.
For first-lien closed-end home-purchase loans eligible for purchase by the government-sponsored enterprises, the shares of banks reporting moderately or substantially weaker demand rose compared with the July survey, and banks reported weaker demand across government, qualified-mortgage and other categories as well. On standards, the overwhelming majority of banks reported no change for each mortgage category.
The SLOOS is the Federal Reserve’s quarterly survey of bank lending officers on changes in lending standards and loan demand, watched by markets as a directional gauge of credit conditions.
(Source: Federal Reserve Board)
来源：美联储
发布：GSM·美国（发布链接）
图片来源：美联储 Eccles 大楼照片（CC BY 4.0；Wikimedia Commons）/ Eccles Federal Reserve Building, Washington, D.C. (CC BY 4.0; via Wikimedia Commons)
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