MBA：10月房贷信贷可得性指数升至107.5，结束两个月连降
美国抵押贷款银行家协会（MBA）发布的房贷信贷可得性指数（MCAI）显示，10月房贷信贷可得性上升0.4%，指数升至107.5，结束此前连续两个月的回落。
MCAI以2012年3月为基期、定为100，指数上升意味着放贷标准有所放松。分项看，常规贷款MCAI上升0.6%，政府贷款MCAI上升0.1%。在常规贷款内部，大额贷款（Jumbo）MCAI上升0.8%，升至三个月来最高；合格贷款（Conforming）MCAI与上月持平。
该指数基于ICE Mortgage Technology提供的贷款项目数据构建，样本覆盖95多家放贷机构与投资者，是观察美国房贷市场信贷松紧的月度指标。
MBA副首席经济学家Joel Kan表示，信贷可得性在连降两个月后于10月回升，放贷机构为贷款价值比较低的借款人增加了更多可调利率房贷（ARM）产品，其中包括现金支出再融资贷款。
（来源：美国抵押贷款银行家协会）
MBA: Mortgage Credit Availability Index Rises to 107.5 in October, Ending Two Monthly Declines
Mortgage credit availability increased in October, according to the Mortgage Credit Availability Index (MCAI) released by the Mortgage Bankers Association (MBA). The index rose 0.4 percent to 107.5, ending two consecutive monthly declines.
The MCAI is benchmarked to 100 in March 2012; a higher reading indicates loosening credit. The Conventional MCAI rose 0.6 percent and the Government MCAI rose 0.1 percent. Within the conventional segment, the Jumbo MCAI increased 0.8 percent to its highest level in three months, while the Conforming MCAI was unchanged from the prior month.
The index is built from loan program data supplied by ICE Mortgage Technology, covering more than 95 lenders and investors, and serves as a monthly gauge of mortgage credit conditions in the United States.
"Mortgage credit availability increased in October after two months of declines, with lenders adding more ARM loan programs for low LTV borrowers, including cash-out refinances," said Joel Kan, MBA's Vice President and Deputy Chief Economist.
(Source: Mortgage Bankers Association)
来源：美国抵押贷款银行家协会
发布：GSM·美国（发布链接）
图片来源：房贷信贷可得性指数（MCAI）走势图，10月升至107.5（MBA图表）
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