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来源:华尔街见闻

3月份美国现房销售环比下降5.9%,为2022年11月以来的最大月度环比降幅。最近几周经济不确定性加剧,可能吓退更多买家,部分美国人担心工作可能面临风险,或股市下跌而推迟购买新房。

高利率继续扼杀市场需求,叠加关税导致经济不确定性加剧,美国3月房屋销售崩跌至金融危机以来最差水平。

根据美国全国房地产经纪人协会NAR最新报告,3月份美国现房销售环比下降5.9%,经季节性调整后的为402万套,为2022年11月以来的最大月度环比降幅,也是自2009年(当时接近金融危机高峰)以来3月销售速度最慢的月份。

高企的抵押贷款利率继续抑制买家活动,同时供应增长速度快于需求,待售房屋库存正在上升也让购房者变得挑剔。

更关键的是,最近几周经济不确定性加剧,可能吓退更多买家,部分美国人担心工作可能面临风险,或股市下跌而推迟购买新房。

尽管需求受到抑制,房价却因供应短缺而居高不下。3月份全美现房价格中位同比上涨2.7%,达到40.37万美元,创下历史同期新高。

高利率是“元凶”,关税可能吓退更多买家

抵押贷款利率持续处于高位是导致市场萎靡的主要原因。尽管美联储已经连续数月暂停加息,但30年期固定抵押贷款利率仍徘徊在6.9%左右,远高于疫情期间的3%低点。这种高利率环境直接导致了购房负担能力的急剧下降,许多潜在购房者发现自己已经被定价排除在市场之外。

另一方面,今年春季迄今为止,美国房屋供应增长速度快于需求,待售房屋库存正在上升。NAR首席经济学家LawrenceYun表示:

3月份的数据主要反映了2月和1月的购买决策,当时美国关税公告尚未扰乱市场,一些经济学家也因此预测经济将陷入衰退。2月份房屋销售出现增长,此前一些一直在等待市场好转的买家和卖家决定采取行动。

但最近几周,经济不确定性加剧,吓坏了更多买家,甚至导致一些房屋销售下滑。美国人有时会因为担心经济状况、担心工作可能面临风险或担心股市下跌而推迟购买新房。

风险提示及免责条款

市场有风险,投资需谨慎。本文不构成个人投资建议,也未考虑到个别用户特殊的投资目标、财务状况或需要。用户应考虑本文中的任何意见、观点或结论是否符合其特定状况。据此投资,责任自负。

  4月25日金融一线消息,中国人民银行东营市分行日前披露的行政处罚决定信息公示表显示,中国工商银行股份有限公司东营分行因违反账户管理规定,违反网络安全管理规定,占压财政存款或者资金,未按规定履行客户身份识别义务,受到警告并被罚款57.8万元。

  黄某立(时任中国工商银行股份有限公司广饶支行行长)对该行未按规定履行客户身份识别义务负有责任,被罚款1.5万元。

序号当事人名称行政处罚决定书文号违法行为类型行政处罚内容

作出行政处罚

决定机关名称

作出行政处罚

决定日期

公示期限备注1中国工商银行股份有限公司东营分行东银罚决字〔2025〕4号

1.违反账户管理规定;

2.违反网络安全管理规定;

3.占压财政存款或者资金;        4.未按规定履行客户身份识别义务。

警告,罚款578000元。

中国人民银行

东营市分行

2025年4月18日三年 2黄某立(时任中国工商银行股份有限公司广饶支行行长)    东银罚决字〔2025〕5号

对中国工商银行股份有限公司东营分行以下违法行为负有责任:

未按规定履行客户身份识别义务。

罚款15000元。

中国人民银行

东营市分行

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