Mortgage rates hit a new low: 30-year fixed at 3.87% --CNNMoney February 2, 2012

The 30-year, fixed rate fell to an average of 3.87% and the 15-year fixed dropped to 3.14% for the week ending February 2, both the lowest rates ever recorded in the 40-year history of the Freddie Mac Primary Mortgage Market Survey. ---2861打印 Print 評論 Comment Nothaft，房地美副總裁兼首席經濟學家弗蘭克說，利率下降新低點後，第四季度國內生產總值（GDP）上週報告顯示，經濟增長的速度低於預期。 Frank Nothaft, vice president and chief economist at Freddie Mac said the rates fell to new lows after the fourth quarter gross domestic product report last week showed that the economy was growing at a rate that fell short of expectations.

率的新紀錄“偶然超時”奧巴馬政府宣布其最新的再融資方案 ，Bankrate.com資深金融分析師格雷格·麥克布賴德說。 The new record rates were "fortuitously timed" for the Obama administration to announce its latest refinancing proposal , said Greg McBride, senior financial analyst at Bankrate.com.

該計劃，該計劃要求國會批准，將使當前誰是他們的抵押貸款的借款人，以節省平均每年3000元，由聯邦住房管理局的抵押貸款再融資。 The plan, which requires approval by Congress, would allow borrowers who are current on their mortgage to save an average of $3,000 a year by refinancing into loans backed by the Federal Housing Administration.

奧巴馬的住房政策失敗了？ Has Obama's housing policy failed?
“很多房主的身影，在未來幾個月得到幫助，相交很好地與這些有吸引力的利率條款，”麥克布賴德說。 "A lot more homeowners figure to get help over the next few months and that intersects nicely with these attractive rate terms," said McBride.

一年前，抵押貸款借款人高興能得到30年期抵押貸款平均為4.81％。 A year ago, mortgage borrowers were thrilled to get 30-year mortgages averaging 4.81%. 這些天，他們正在尋找那些低近一個完整的點。 These days they're finding ones nearly a full point lower.

每月支付4.81％的貸款和3.88％之間的區別是每借來的10萬美元，54美元左右。 The difference in the monthly payments between a 4.81% loan and a 3.88% is about $54 for every $100,000 borrowed. 有人用25萬美元，一年超過$ 1,620的貸款餘額。 For someone with a loan balance of $250,000 that comes to more than $1,620 a year.

但目前有許多奧巴馬的計劃將有助於借款的抵押貸款進行利率為6％，7％或更高。 But many of the borrowers that Obama's plan would help currently have mortgages that carry interest rates of 6%, 7% or higher. 如果有人25萬美元的攜帶率7％的按揭再融資到3.88％的貸款，這將減少近一年6,000元的款項。 If someone with a $250,000 mortgage carrying a 7% rate could refinance into a 3.88% loan, it would reduce payments by nearly $6,000 a year.

這種討價還價的身影，是一段時間。 Such bargains figure to be around for awhile. 事實上，他們可能會變得更好，根據麥克布萊德。 In fact, they could get even better, according to McBride. 抵押貸款利率密切跟踪債券的收益率，暴跌後，美聯儲表示，它預計保持聯邦基金利率接近歷史低點，直到2014年底。 Mortgage rates closely track bond yields, which plunged after the Federal Reserve said it expects to keep the Federal Funds rate near historic lows until late 2014.

10年期債券收益率自美聯儲的行動江河下瀉，下降2.05％，從1月25日至2月1日的1.81％。 The yield on a 10-year bond has nose-dived since the Fed's action, falling from 2.05% on Jan. 25 to 1.81% on Feb. 1.

贖的重災區街區 Foreclosure's hardest hit neighborhoods
麥克布賴德說，抵押貸款利率和債券收益率，傳播，之間的差異擴大時，產量下降。 McBride said the difference between mortgage rates and bond yields, the spread, widens when yields decline. 之後產量再次穩定，價差應該縮小。 After yields stabilize again, the spread should shrink.

通常的傳播是約1.7個百分點，根據基思Gumbinger成行聯營，抵押貸款數據和信息的提供者。 The usual spread is about 1.7 percentage points, according to Keith Gumbinger of HSH Associated, a provider of mortgage data and information. 目前，它的約2分。 Currently, it's about 2 points.

如果下降至正常平均水平1.7個百分點，在30年的利率可能降至3.5％。 If it dropped to the normal average of 1.7 points, the interest rate on a 30-year could plunge to 3.5%. 

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