BREXIT: What’s the FIXIT for U.S. Home Buyers and Sellers?

Brexit-STM2

Now that much of the dust has settled and the panic has waned, let’s take a look at what impact Britain’s exit from the European Union may have on the U.S. housing market.

現在塵埃已落定,恐慌已減弱,讓我們來看看英國退出歐盟後可能對美國房地產市場帶來什麼影響。

The most immediate impact of Brexit will be on mortgage interest rates. Interest rates have remained at historic lows for the last several years. Contrary to what many experts believed, rates have remained low throughout the first half of 2016.

Brexit的最直接的影響將是房屋貸款利率,房貸利率在最近幾年維持在歷史低點。與許多專家的預測相反,房貸利率在整個2016年上半年持續走低。

Possible impact of Brexit on mortgage rates?
Brexit對房貸利率可能造成的影響?

In a recent article, the Washington Post explained:
華盛頓郵報在最近的一篇文章中解釋說:

“Brexit has spawned the recent bout of volatility in global financial markets. That has anxious investors scurrying for safety — and few assets are safer than U.S. Treasuries. High demand for government debt pulls down interest rates.

That all translates into ultra-low mortgage rates for American households. And with Britain voting for Brexit, they could go even lower.”

“Brexit已經造成了近期全球金融市場的動盪,焦慮的投資者急於尋找安全可靠 – 和一些比美國國債更安全的資產,對政府債務的高需求拉低了利率。

這一切使得房貸利率降低,而Brexit將造成房貸利率持續降低。

However, the lower rates caused by Brexit may be short lived as Trulia Chief Economist Ralph McLaughlin pointed out in a recent post:
然而,因Brexit而產生的低利率可能是短暫的,Trulia的首席經濟學家拉爾夫·麥克勞克林在最近的文章中指出:

“While the departure of the UK from the European Union has driven down the 10-year bond, and thus mortgage rates, we expect them to rebound later in the year as uncertainty over the economic consequences of the departure lifts.”

“雖然英國從歐盟退出後拉低了10年期的債券,因此我們預估貸款利率會在今年後半段因為經濟後果的不確定性而反彈。”

Bottom Line
結論

Rates are already at historic lows. The UK’s exit from the EU almost certainly guarantees they will remain low (and possibly go lower) over the next few months. If you were thinking of buying your first home or trading up to the house of your dreams, this may be the time to act. The cost of money may never be better for a potential buyer.

利率目前已經處於歷史低位,英國退出歐盟可確定最近幾個月利率將持續維持低點,甚至可能降得更低。如果您正想購買您的第一個家,或是換到您夢想中的房子,現在正是行動的時候,未來可能再也無法有這麼低的利率可以降低買家的資金成本了。

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