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2021-07-19

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Mortgage-Refinancing Costs Expected to Fall as Fannie, Freddie Drop Fee<blockquote>随着房利美和房地美降低费用，抵押贷款再融资成本预计将下降</blockquote>

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{"i18n":{"language":"zh_CN"},"detailType":1,"isChannel":false,"data":{"magic":2,"id":173676984,"tweetId":"173676984","gmtCreate":1626659915148,"gmtModify":1631892681572,"author":{"id":3580898776597625,"idStr":"3580898776597625","authorId":3580898776597625,"authorIdStr":"3580898776597625","name":"likaboss","avatar":"https://static.tigerbbs.com/027156c6b15571003ac371d19a653946","vip":1,"userType":1,"introduction":"","boolIsFan":false,"boolIsHead":false,"crmLevel":12,"crmLevelSwitch":0,"individualDisplayBadges":[],"wearingBadges":[],"fanSize":4,"starInvestorFlag":false},"themes":[],"images":[],"coverImages":[],"title":"","extraTitle":"","html":"<html><head></head><body>Nice</body></html>","htmlText":"<html><head></head><body>Nice</body></html>","text":"Nice","highlighted":1,"essential":1,"paper":1,"likeSize":3,"commentSize":0,"repostSize":0,"favoriteSize":0,"link":"https://laohu8.com/post/173676984","repostId":1126246997,"repostType":4,"repost":{"id":"1126246997","kind":"news","pubTimestamp":1626657763,"share":"https://www.laohu8.com/m/news/1126246997?lang=zh_CN&edition=full","pubTime":"2021-07-19 09:22","market":"us","language":"en","title":"Mortgage-Refinancing Costs Expected to Fall as Fannie, Freddie Drop Fee<blockquote>随着房利美和房地美降低费用，抵押贷款再融资成本预计将下降</blockquote>","url":"https://stock-news.laohu8.com/highlight/detail?id=1126246997","media":"WSJ","summary":"WASHINGTON—The cost of refinancing government-backed home loans is expected to fall as mortgage gian","content":"WASHINGTON—The cost of refinancing government-backed home loans is expected to fall as mortgage giantsFannie MaeandFreddie Macare set to drop a fee imposed last year in the midst of the Covid-19 pandemic.<blockquote>华盛顿——随着抵押贷款巨头房利美和房地美将取消去年在 Covid-19 大流行期间征收的费用，政府支持的住房贷款再融资成本预计将会下降。</blockquote> A federal housing regulator said Friday that Fannie and Freddie will eliminate&nbsp;the 0.5% fee on mortgage refinancingstarting Aug. 1. The fee, imposed in December, added about $1,400 to the cost of refinancing an average mortgage backed by the firms, according to an estimate from the Mortgage Bankers Association.<blockquote>联邦住房监管机构周五表示，房利美和房地美将从 8 月 1 日起取消抵押贷款再融资 0.5% 的费用。根据抵押贷款银行家协会的估计，12 月份征收的这项费用使这些公司支持的平均抵押贷款再融资成本增加了约 1,400 美元。</blockquote> “The Covid-19 pandemic financially exacerbated America’s affordable housing crisis,” Federal Housing Finance Agency Acting Director Sandra L. Thompson said. “Eliminating the [fee] will help families take advantage of the low-rate environment to save more money.”<blockquote>“联邦住房金融局代理局长桑德拉-汤普森（Sandra L. Thompson）说：”Covid-19 大流行在财政上加剧了美国的经济适用房危机。“取消[费用]将有助于家庭利用低利率环境节省更多资金”。</blockquote> U.S. home pricesover the past year have risen at the fastest pace in decades, asa shortage of homeson the market collides with soaring demand from prospective buyers. The situation has exacerbated concerns about housing affordability and ratcheted up pressure on the Biden administration to respond.<blockquote>由于市场住房短缺与潜在买家飙升的需求相冲突，美国房价在过去一年以几十年来最快的速度上涨。这种情况加剧了人们对住房负担能力的担忧，并加大了拜登政府应对的压力。</blockquote> With interest rates low by historical standards, millions of Americans have also refinanced existing mortgages to reduce their monthly payments. But the fee charged by Fannie and Freddie eliminated a chunk of those savings for affected borrowers.<blockquote>由于利率按历史标准来看很低，数百万美国人还对现有抵押贷款进行了再融资，以减少每月还款额。但房利美和房地美收取的费用消除了受影响借款人的大部分储蓄。</blockquote> Greg McBride, chief financial analyst at personal-finance firm Bankrate.com, said the fee added about one-eighth of a percentage point to the average mortgage rate, or about $20 a month for a $300,000 loan.<blockquote>个人理财公司 Bankrate.com 首席金融分析师格雷格·麦克布莱德 (Greg McBride) 表示，该费用使平均抵押贷款利率增加了约八分之一个百分点，即 30 万美元贷款每月约 20 美元。</blockquote> “Lenders may use this as an opportunity to pad their own margins that have been squeezed by low rates and heated competition, so it is important for homeowners to seek out the lenders offering the best terms,” Mr. McBride said.<blockquote>“麦克布莱德先生说：”贷款机构可能会以此为契机，提高自己的利润，而利润一直受到低利率和激烈竞争的挤压，因此房主寻找提供最优惠条件的贷款机构非常重要。</blockquote> Average refinancing rates for a 30-year fixed-rate mortgage stood at 3.1% on Thursday, Mr. McBride said, citing Bankrate figures. That compares to an all-time low of 2.88% in January.<blockquote>麦克布莱德援引银行利率数据表示，周四 30 年期固定利率抵押贷款的平均再融资利率为 3.1%。相比之下，1 月份的历史最低点为 2.88%。</blockquote> Fannie and Freddie encourage low borrowing costs by purchasing many mortgages from lenders and subsequently guaranteeing them. The fee was intended to cover potential losses related to the pandemic and government measures to soften its economic impact, including a foreclosure moratorium and another program that allowed some borrowers to suspend monthly payments.<blockquote>房利美和房地美通过从贷款人那里购买许多抵押贷款并随后为其提供担保来鼓励低借贷成本。该费用旨在弥补与疫情相关的潜在损失以及政府减轻其经济影响的措施，包括暂停止赎和另一项允许一些借款人暂停每月还款的计划。</blockquote> Such programs didn’t see as much use as expected, as job losses were less severe than initially feared among more-affluent workers, who are more likely to own their homes. Rising home prices further diminished the potential for loan losses, and Fannie and Freddie both posted robust profits last year, even before the fee was in effect.<blockquote>由于较富裕的工人更有可能拥有自己的住房，因此这些计划并没有预期的那么多用途，因此失业并没有最初担心的那么严重。房价上涨进一步降低了贷款损失的可能性，房利美和房地美去年都公布了强劲的利润，甚至在费用生效之前。</blockquote> The fee prompted criticism from mortgage lenders and a bipartisan group of lawmakers.<blockquote>这项费用引发了抵押贷款机构和两党议员小组的批评。</blockquote> The announcement of its elimination comes less than a month after President Biden ousted former FHFA Director Mark Calabria, a Trump administration appointee. Mr. Calabria had prioritized returning Fannie and Freddie to private hands after 12 years of government control—known as conservatorship—following the 2008 financial crisis.<blockquote>宣布取消该机构不到一个月前，拜登总统解雇了特朗普执政任命的前 FHFA 主任马克·卡拉布里亚 (Mark Calabria)。2008 年金融危机后，经过 12 年的政府控制（即监管），卡拉布里亚先生优先考虑将房利美和房地美归还给私人手中。</blockquote> The fee generated $5 million in additional revenue for every $1 billion of eligible mortgages acquired by Fannie and Freddie, bolstering their finances and enhancing their potential attractiveness to investors.<blockquote>房利美和房地美每获得 10 亿美元符合条件的抵押贷款，该费用就会产生 500 万美元的额外收入，从而增强了它们的财务状况，并增强了它们对投资者的潜在吸引力。</blockquote> “There’s no continuing rationale for charging the fee, so they’re getting rid of it,” said Bob Broeksmit, president of the Mortgage Bankers Association. “It’s a clear manifestation of Acting Director Thompson’s pivot toward mission and consumers, as opposed to previous director Calabria’s single-minded focus on capital-building and release from conservatorship.”<blockquote>“抵押贷款银行家协会主席鲍勃-布鲁克斯米特（Bob Broeksmit）说：”收取这笔费用没有持续的理由，所以他们正在取消这笔费用。“这清楚地体现了代理导演汤普森对使命和消费者的关注，而前任导演卡拉布里亚则一心一意地专注于资本积累和摆脱监管。”</blockquote>","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Mortgage-Refinancing Costs Expected to Fall as Fannie, Freddie Drop Fee<blockquote>随着房利美和房地美降低费用，抵押贷款再融资成本预计将下降</blockquote></title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 12.5px; color: #7E829C; margin: 0;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nMortgage-Refinancing Costs Expected to Fall as Fannie, Freddie Drop Fee<blockquote>随着房利美和房地美降低费用，抵押贷款再融资成本预计将下降</blockquote>\n</h2>\n<h4 class=\"meta\">\n\nWSJ2021-07-19 09:22\n\n</h4>\n</header>\n<article>\nWASHINGTON—The cost of refinancing government-backed home loans is expected to fall as mortgage giantsFannie MaeandFreddie Macare set to drop a fee imposed last year in the midst of the Covid-19 pandemic.<blockquote>华盛顿——随着抵押贷款巨头房利美和房地美将取消去年在 Covid-19 大流行期间征收的费用，政府支持的住房贷款再融资成本预计将会下降。</blockquote> A federal housing regulator said Friday that Fannie and Freddie will eliminate&nbsp;the 0.5% fee on mortgage refinancingstarting Aug. 1. The fee, imposed in December, added about $1,400 to the cost of refinancing an average mortgage backed by the firms, according to an estimate from the Mortgage Bankers Association.<blockquote>联邦住房监管机构周五表示，房利美和房地美将从 8 月 1 日起取消抵押贷款再融资 0.5% 的费用。根据抵押贷款银行家协会的估计，12 月份征收的这项费用使这些公司支持的平均抵押贷款再融资成本增加了约 1,400 美元。</blockquote> “The Covid-19 pandemic financially exacerbated America’s affordable housing crisis,” Federal Housing Finance Agency Acting Director Sandra L. Thompson said. “Eliminating the [fee] will help families take advantage of the low-rate environment to save more money.”<blockquote>“联邦住房金融局代理局长桑德拉-汤普森（Sandra L. Thompson）说：”Covid-19 大流行在财政上加剧了美国的经济适用房危机。“取消[费用]将有助于家庭利用低利率环境节省更多资金”。</blockquote> U.S. home pricesover the past year have risen at the fastest pace in decades, asa shortage of homeson the market collides with soaring demand from prospective buyers. The situation has exacerbated concerns about housing affordability and ratcheted up pressure on the Biden administration to respond.<blockquote>由于市场住房短缺与潜在买家飙升的需求相冲突，美国房价在过去一年以几十年来最快的速度上涨。这种情况加剧了人们对住房负担能力的担忧，并加大了拜登政府应对的压力。</blockquote> With interest rates low by historical standards, millions of Americans have also refinanced existing mortgages to reduce their monthly payments. But the fee charged by Fannie and Freddie eliminated a chunk of those savings for affected borrowers.<blockquote>由于利率按历史标准来看很低，数百万美国人还对现有抵押贷款进行了再融资，以减少每月还款额。但房利美和房地美收取的费用消除了受影响借款人的大部分储蓄。</blockquote> Greg McBride, chief financial analyst at personal-finance firm Bankrate.com, said the fee added about one-eighth of a percentage point to the average mortgage rate, or about $20 a month for a $300,000 loan.<blockquote>个人理财公司 Bankrate.com 首席金融分析师格雷格·麦克布莱德 (Greg McBride) 表示，该费用使平均抵押贷款利率增加了约八分之一个百分点，即 30 万美元贷款每月约 20 美元。</blockquote> “Lenders may use this as an opportunity to pad their own margins that have been squeezed by low rates and heated competition, so it is important for homeowners to seek out the lenders offering the best terms,” Mr. McBride said.<blockquote>“麦克布莱德先生说：”贷款机构可能会以此为契机，提高自己的利润，而利润一直受到低利率和激烈竞争的挤压，因此房主寻找提供最优惠条件的贷款机构非常重要。</blockquote> Average refinancing rates for a 30-year fixed-rate mortgage stood at 3.1% on Thursday, Mr. McBride said, citing Bankrate figures. That compares to an all-time low of 2.88% in January.<blockquote>麦克布莱德援引银行利率数据表示，周四 30 年期固定利率抵押贷款的平均再融资利率为 3.1%。相比之下，1 月份的历史最低点为 2.88%。</blockquote> Fannie and Freddie encourage low borrowing costs by purchasing many mortgages from lenders and subsequently guaranteeing them. The fee was intended to cover potential losses related to the pandemic and government measures to soften its economic impact, including a foreclosure moratorium and another program that allowed some borrowers to suspend monthly payments.<blockquote>房利美和房地美通过从贷款人那里购买许多抵押贷款并随后为其提供担保来鼓励低借贷成本。该费用旨在弥补与疫情相关的潜在损失以及政府减轻其经济影响的措施，包括暂停止赎和另一项允许一些借款人暂停每月还款的计划。</blockquote> Such programs didn’t see as much use as expected, as job losses were less severe than initially feared among more-affluent workers, who are more likely to own their homes. Rising home prices further diminished the potential for loan losses, and Fannie and Freddie both posted robust profits last year, even before the fee was in effect.<blockquote>由于较富裕的工人更有可能拥有自己的住房，因此这些计划并没有预期的那么多用途，因此失业并没有最初担心的那么严重。房价上涨进一步降低了贷款损失的可能性，房利美和房地美去年都公布了强劲的利润，甚至在费用生效之前。</blockquote> The fee prompted criticism from mortgage lenders and a bipartisan group of lawmakers.<blockquote>这项费用引发了抵押贷款机构和两党议员小组的批评。</blockquote> The announcement of its elimination comes less than a month after President Biden ousted former FHFA Director Mark Calabria, a Trump administration appointee. Mr. Calabria had prioritized returning Fannie and Freddie to private hands after 12 years of government control—known as conservatorship—following the 2008 financial crisis.<blockquote>宣布取消该机构不到一个月前，拜登总统解雇了特朗普执政任命的前 FHFA 主任马克·卡拉布里亚 (Mark Calabria)。2008 年金融危机后，经过 12 年的政府控制（即监管），卡拉布里亚先生优先考虑将房利美和房地美归还给私人手中。</blockquote> The fee generated $5 million in additional revenue for every $1 billion of eligible mortgages acquired by Fannie and Freddie, bolstering their finances and enhancing their potential attractiveness to investors.<blockquote>房利美和房地美每获得 10 亿美元符合条件的抵押贷款，该费用就会产生 500 万美元的额外收入，从而增强了它们的财务状况，并增强了它们对投资者的潜在吸引力。</blockquote> “There’s no continuing rationale for charging the fee, so they’re getting rid of it,” said Bob Broeksmit, president of the Mortgage Bankers Association. “It’s a clear manifestation of Acting Director Thompson’s pivot toward mission and consumers, as opposed to previous director Calabria’s single-minded focus on capital-building and release from conservatorship.”<blockquote>“抵押贷款银行家协会主席鲍勃-布鲁克斯米特（Bob Broeksmit）说：”收取这笔费用没有持续的理由，所以他们正在取消这笔费用。“这清楚地体现了代理导演汤普森对使命和消费者的关注，而前任导演卡拉布里亚则一心一意地专注于资本积累和摆脱监管。”</blockquote>\n<div class=\"bt-text\">\n\n\n 来源：<a href=\"https://www.wsj.com/articles/mortgage-refinance-fee-to-be-dropped-by-fannie-mae-freddie-mac-11626453646?mod=markets_lead_pos4\">WSJ</a>\n为提升您的阅读体验，我们对本页面进行了排版优化\n\n\n</div>\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"FMCC":"房地美","FNMA":"房利美"},"source_url":"https://www.wsj.com/articles/mortgage-refinance-fee-to-be-dropped-by-fannie-mae-freddie-mac-11626453646?mod=markets_lead_pos4","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1126246997","content_text":"WASHINGTON—The cost of refinancing government-backed home loans is expected to fall as mortgage giantsFannie MaeandFreddie Macare set to drop a fee imposed last year in the midst of the Covid-19 pandemic.\nA federal housing regulator said Friday that Fannie and Freddie will eliminate the 0.5% fee on mortgage refinancingstarting Aug. 1. The fee, imposed in December, added about $1,400 to the cost of refinancing an average mortgage backed by the firms, according to an estimate from the Mortgage Bankers Association.\n“The Covid-19 pandemic financially exacerbated America’s affordable housing crisis,” Federal Housing Finance Agency Acting Director Sandra L. Thompson said. “Eliminating the [fee] will help families take advantage of the low-rate environment to save more money.”\nU.S. home pricesover the past year have risen at the fastest pace in decades, asa shortage of homeson the market collides with soaring demand from prospective buyers. The situation has exacerbated concerns about housing affordability and ratcheted up pressure on the Biden administration to respond.\nWith interest rates low by historical standards, millions of Americans have also refinanced existing mortgages to reduce their monthly payments. But the fee charged by Fannie and Freddie eliminated a chunk of those savings for affected borrowers.\nGreg McBride, chief financial analyst at personal-finance firm Bankrate.com, said the fee added about one-eighth of a percentage point to the average mortgage rate, or about $20 a month for a $300,000 loan.\n“Lenders may use this as an opportunity to pad their own margins that have been squeezed by low rates and heated competition, so it is important for homeowners to seek out the lenders offering the best terms,” Mr. McBride said.\nAverage refinancing rates for a 30-year fixed-rate mortgage stood at 3.1% on Thursday, Mr. McBride said, citing Bankrate figures. That compares to an all-time low of 2.88% in January.\nFannie and Freddie encourage low borrowing costs by purchasing many mortgages from lenders and subsequently guaranteeing them. The fee was intended to cover potential losses related to the pandemic and government measures to soften its economic impact, including a foreclosure moratorium and another program that allowed some borrowers to suspend monthly payments.\nSuch programs didn’t see as much use as expected, as job losses were less severe than initially feared among more-affluent workers, who are more likely to own their homes. Rising home prices further diminished the potential for loan losses, and Fannie and Freddie both posted robust profits last year, even before the fee was in effect.\nThe fee prompted criticism from mortgage lenders and a bipartisan group of lawmakers.\nThe announcement of its elimination comes less than a month after President Biden ousted former FHFA Director Mark Calabria, a Trump administration appointee. Mr. Calabria had prioritized returning Fannie and Freddie to private hands after 12 years of government control—known as conservatorship—following the 2008 financial crisis.\nThe fee generated $5 million in additional revenue for every $1 billion of eligible mortgages acquired by Fannie and Freddie, bolstering their finances and enhancing their potential attractiveness to investors.\n“There’s no continuing rationale for charging the fee, so they’re getting rid of it,” said Bob Broeksmit, president of the Mortgage Bankers Association. “It’s a clear manifestation of Acting Director Thompson’s pivot toward mission and consumers, as opposed to previous director Calabria’s single-minded focus on capital-building and release from conservatorship.”","news_type":1,"symbols_score_info":{"FMCC":0.9,"FNMA":0.9}},"isVote":1,"tweetType":1,"viewCount":2391,"commentLimit":10,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"symbols":[],"verified":2,"subType":0,"readableState":1,"langContent":"EN","currentLanguage":"EN","warmUpFlag":false,"orderFlag":false,"shareable":true,"causeOfNotShareable":"","featuresForAnalytics":[],"commentAndTweetFlag":false,"andRepostAutoSelectedFlag":false,"upFlag":false,"length":4,"xxTargetLangEnum":"ORIG"},"commentList":[],"isCommentEnd":true,"isTiger":false,"isWeiXinMini":false,"url":"/m/post/173676984"}