美国房贷申请量一周涨6.2%：利率连降四周，购房申请涨8%
美国抵押贷款银行家协会（MBA）11月11日公布的周度调查显示，截至11月6日一周，全美抵押贷款申请总量经季节调整后较前一周增加6.2%，抵押贷款利率连续第四周下降、降至9月中旬以来最低水平，成为申请量回升的主要推动。
分项看，购房贷款申请指数经季节调整后一周增加8%，但仍比去年同期低18%。再融资申请占比维持在39.8%不变，比去年同期低57%，多数房主仍锁定在早年取得的低利率上、不愿换贷。
利率方面，符合贷款余额上限的30年期固定利率抵押贷款平均合同利率从前一周的7.30%降至7.21%，去年同期为5.99%。房地美（Freddie Mac）的另一项调查显示，上周30年期固定利率平均为7.18%。
可调利率抵押贷款（ARM）申请占比从前一周的11.4%降至10.9%。联邦住房管理局（FHA）贷款申请占比从16%降至15.5%，退伍军人事务部（VA）贷款占比从11.2%升至12%，农业部（USDA）贷款占比从0.6%降至0.5%。
MBA 副总裁兼副首席经济学家 Joel Kan 表示，抵押贷款利率连续第四周下降，推动申请活动走强，FHA 与 VA 贷款的增长尤其明显，但购房与再融资申请的整体节奏仍明显低于一年前。
关联：利率降了申请却没跟上：美国房贷申请量上周再降1.2%，购房申请同比少近两成
U.S. Mortgage Applications Jump 6.2% as Rates Fall for a Fourth Straight Week
Mortgage applications in the United States rose last week as interest rates fell for a fourth straight week to their lowest levels since mid-September, according to the Mortgage Bankers Association (MBA) weekly survey released on November 11.
For the week ending November 6, the MBA Market Composite Index, a measure of total mortgage loan application volume, increased 6.2% on a seasonally adjusted basis from one week earlier. The Purchase Index increased 8% from one week earlier after seasonal adjustment, though purchase applications were still down 18% from a year ago.
The refinance share of mortgage activity remained unchanged at 39.8%, but was 57% lower than the same week one year ago, as most homeowners remain locked into the lower rates they secured in earlier years.
The average contract interest rate for 30-year fixed-rate mortgages with conforming loan balances fell to 7.21%, down from 7.30% the previous week; rates averaged 5.99% a year ago. A separate Freddie Mac survey put last week's 30-year fixed average at 7.18%.
Applications for adjustable-rate mortgages decreased to 10.9% of total applications, down from 11.4% the previous week. The FHA share of applications decreased to 15.5% from 16%, the VA share increased to 12% from 11.2%, and the USDA share decreased to 0.5% from 0.6%.
"Mortgage rates declined for the fourth straight week," said Joel Kan, MBA's vice president and deputy chief economist. "The declining trend in rates helped to spur stronger application activity, although the pace of purchase and refinance applications remain considerably lower than a year ago." Kan noted that FHA and VA loans saw particularly strong growth.
来源：抵押贷款银行家协会
发布：GSM·美国（发布链接）
图片来源：图：印第安纳州 Indianapolis 郊区 Fishers 的 Geist 水库周边住宅区航拍。公共领域图片，经 Wikimedia Commons。 / Aerial view of housing developments around Geist Reservoir in Fishers, a suburb of Indianapolis, Indiana. Public domain, via Wikimedia Commons.
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