房屋贷款利率将提高,2018年再融资活动将下降至抵押贷款业务的25%,达到自1990年以来最低贷款份额

New homes are expected to be a “primary driver of sales in 2018,” as 1.33 million housing starts are predicted next year—up from 1.22 million in 2017, according to Freddie Mac’s September Outlook report, which gauges future real estate activity. Total home sales are expected to increase about 2 percent from 2017 to 2018, according to the report.

据美国房地美公司9月市场分析报告显示,全美新房预计会成为“2018年房地产销售的主要推动力”,明年新房开工量将上涨,高于2017年的122万套2017年至2018年房屋销售总额预计增加2%Economists also predict that the uptick in housing starts, coupled with a moderate increase in mortgage rates, will help slow the run-up in home prices next year. Freddie Mac forecasts a 4.9 percent increase in home prices in 2018, lower than the 6.3 percent growth seen so far this year. Mortgage rates also are up from near-record lows in 2016, prompting predictions that refinancings will fall to 25 percent of mortgage activity in 2018—the lowest share since 1990, according to Fannie Mae.经济学家们还预测,新房开工量的增加以及贷款利率的稳步上涨,将有助于放缓明年房价增长速度房地美公司预测2018年房价将上涨4.9%,低于今年房价涨幅6.3%

Still, homeowners likely will continue building equity next year. In the second quarter of 2017, the dollar volume of equity cashed out was $15 million, up $1.2 million from the first quarter. As home prices rise, cash-out activity has been rising, too.

2018年业主持有房产房价可能继续升高2017年第二季度房屋抵押贷款净值为1500万美元,同比第一季度增长了120万美元房价上涨,现金流量活动也在增长

“The economic environment remains favorable for housing and mortgage markets,” says Freddie Mac chief economist Sean Becketti. “For several years, we have had moderate economic growth of about two percent a year, solid job gains, and low mortgage interest rates. We forecast those conditions to persist into next year.”

“当前经济环境利于房地产市场和房屋抵押贷款市场,”房地美公司首席经济学家贝克第(Sean Becketti)表示“近年来,经济稳定增长(年增长约为2%),工作机会稳固增加以及贷款利率下调预计这些情况将会持续到明年