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美国房地产成交量持续下降。据Redfin统计,上个月约有56,000份购房协议被取消,这相当于15%的已签约住宅,“这是有史以来6月份比例最高的一次”。
Redfin今天公布的一份分析报告称:“由于买房成本史上最高,购房人很难履行协议。”该报告提到6月份的中位数房屋售价,同比上涨了4%,达到442,525美元。报告中还提到了平均30年期固定抵押贷款利率(6.92%)。
虽然卖房人开始降价,但显然力度不够。上个月,约五分之一待售房屋曾经降价,这是有纪录以来在任何一年的6月份,降价住宅比例最高的一次。这比去年增长了超过14%,与两年前的10月份创下的历史纪录相差无几。Redfin表示:“一些卖房人之所以降价,是因为他们的房子在市场上长期无人问津,原因是持续的可负担性危机影响了购房人。”
6月份卖出的房子,在市场上等待交易的时间通常为32天,与去年同期相比延长了三天。待售房屋总量同比增长了近13%,这是史上最大年度涨幅。但房屋销售却并不景气。根据Redfin统计的数据,6月份房屋销量下滑:环比下滑0.5%,同比下滑1.1%;比疫情之前减少了21.5%。房地产市场的情况大致相同——库存增多,但需求下降,导致房子待售时间更长,房屋销售停滞。
Redfin表示:“房屋销售低迷的原因是,许多美国人买不起房,而且尽管6月份抵押贷款利率有所下降(本月进一步下降),但一些购房人选择了继续观望,期待利率进一步下降。”
据全美房地产经纪人协会(National Association of Realtors)统计,6月份现房销量环比和同比均下降了5.4%。
全美房地产经纪人协会首席经济学家劳伦斯·伊恩在新闻稿中表示:“我们看到市场正在缓慢从卖方市场转变为买方市场。房屋待售时间更长,卖房人收到的报价更少。更多购房人坚持要求进行房屋检查和评估,而全美的高库存正在增多。”
Redfin的分析报告与全美房地产经纪人协会的调查结果遥相呼应。Redfin在报告中引用一位旧金山房地产经纪人的话称:“购房人变得越来越挑剔……他们因为一些微不足道的问题打退堂鼓,因为目前与买房有关的月度成本过高,如果房子不符合他们必备清单上的所有条件,他们没有理由购买。”
据全美房地产经纪人协会统计,上个月,现房中位数售价上涨至426,900美元;这是该价格连续两个月刷新历史纪录,并且连续12个月上涨。虽然这个价格略低于Redfin的预估,但依旧是很高的价格,特别是考虑到比疫情期间增长了一倍以上的抵押贷款利率。
在有些地区,购房人打退堂鼓的比例似乎更高,首当其冲的是佛罗里达州的三个大都市区。在奥兰多,约900份购房协议被取消,相当于6月份已签约房屋的近21%。在杰克逊维尔和坦帕,同期取消购房协议的房屋占已签约房屋的20.5%。
但佛罗里达州的情况较为特殊。来自迈阿密的一位Redfin房屋中介表示:“我们看到协议在最后时刻因为最微不足道的原因被取消,这是噩梦般的情景。”6月份,迈阿密共有约2,500份购房协议被取消,超过已签约房屋的17%。
他还表示:“购房人经常在房屋检查期间取消协议,因为他们会发现一些不喜欢的问题,但根本原因在于可负担性问题。我不希望我的客户会对在佛罗里达州拥有住房的所有成本感到意外,因此我会建议他们提前了解除了月供以外的保险、房产税和[业主委员会]费用等。”
此外,Redfin在6月初的另外一份分析报告发现,佛罗里达州西部的房地产市场降温速度超过美国其他地区,原因包括:日益严重的自然灾害、大量新建房屋和疫情时期的繁荣过后需求低迷等。(财富中文网)
译者:刘进龙
审校:汪皓
美国房地产成交量持续下降。据Redfin统计,上个月约有56,000份购房协议被取消,这相当于15%的已签约住宅,“这是有史以来6月份比例最高的一次”。
Redfin今天公布的一份分析报告称:“由于买房成本史上最高,购房人很难履行协议。”该报告提到6月份的中位数房屋售价,同比上涨了4%,达到442,525美元。报告中还提到了平均30年期固定抵押贷款利率(6.92%)。
虽然卖房人开始降价,但显然力度不够。上个月,约五分之一待售房屋曾经降价,这是有纪录以来在任何一年的6月份,降价住宅比例最高的一次。这比去年增长了超过14%,与两年前的10月份创下的历史纪录相差无几。Redfin表示:“一些卖房人之所以降价,是因为他们的房子在市场上长期无人问津,原因是持续的可负担性危机影响了购房人。”
6月份卖出的房子,在市场上等待交易的时间通常为32天,与去年同期相比延长了三天。待售房屋总量同比增长了近13%,这是史上最大年度涨幅。但房屋销售却并不景气。根据Redfin统计的数据,6月份房屋销量下滑:环比下滑0.5%,同比下滑1.1%;比疫情之前减少了21.5%。房地产市场的情况大致相同——库存增多,但需求下降,导致房子待售时间更长,房屋销售停滞。
Redfin表示:“房屋销售低迷的原因是,许多美国人买不起房,而且尽管6月份抵押贷款利率有所下降(本月进一步下降),但一些购房人选择了继续观望,期待利率进一步下降。”
据全美房地产经纪人协会(National Association of Realtors)统计,6月份现房销量环比和同比均下降了5.4%。
全美房地产经纪人协会首席经济学家劳伦斯·伊恩在新闻稿中表示:“我们看到市场正在缓慢从卖方市场转变为买方市场。房屋待售时间更长,卖房人收到的报价更少。更多购房人坚持要求进行房屋检查和评估,而全美的高库存正在增多。”
Redfin的分析报告与全美房地产经纪人协会的调查结果遥相呼应。Redfin在报告中引用一位旧金山房地产经纪人的话称:“购房人变得越来越挑剔……他们因为一些微不足道的问题打退堂鼓,因为目前与买房有关的月度成本过高,如果房子不符合他们必备清单上的所有条件,他们没有理由购买。”
据全美房地产经纪人协会统计,上个月,现房中位数售价上涨至426,900美元;这是该价格连续两个月刷新历史纪录,并且连续12个月上涨。虽然这个价格略低于Redfin的预估,但依旧是很高的价格,特别是考虑到比疫情期间增长了一倍以上的抵押贷款利率。
在有些地区,购房人打退堂鼓的比例似乎更高,首当其冲的是佛罗里达州的三个大都市区。在奥兰多,约900份购房协议被取消,相当于6月份已签约房屋的近21%。在杰克逊维尔和坦帕,同期取消购房协议的房屋占已签约房屋的20.5%。
但佛罗里达州的情况较为特殊。来自迈阿密的一位Redfin房屋中介表示:“我们看到协议在最后时刻因为最微不足道的原因被取消,这是噩梦般的情景。”6月份,迈阿密共有约2,500份购房协议被取消,超过已签约房屋的17%。
他还表示:“购房人经常在房屋检查期间取消协议,因为他们会发现一些不喜欢的问题,但根本原因在于可负担性问题。我不希望我的客户会对在佛罗里达州拥有住房的所有成本感到意外,因此我会建议他们提前了解除了月供以外的保险、房产税和[业主委员会]费用等。”
此外,Redfin在6月初的另外一份分析报告发现,佛罗里达州西部的房地产市场降温速度超过美国其他地区,原因包括:日益严重的自然灾害、大量新建房屋和疫情时期的繁荣过后需求低迷等。(财富中文网)
译者:刘进龙
审校:汪皓
Deals are falling through in the housing world. Roughly 56,000 home purchase agreements were called off last month, which translates to almost 15% of homes under contract at the time, “the highest percentage of any June on record,” according to Redfin.
“House hunters are having trouble committing because buying a home is more expensive than ever,” an analysis from Redfin published today read. It pointed to the median home sale price, which rose 4% from a year earlier to $442,525 in June, and the average 30-year fixed mortgage rate, which was 6.92%.
Sellers even cut their prices, but it didn’t seem to be enough. About one in five homes for sale last month had a price reduction, the highest amount of any June on record. It was up more than 14% from a year ago and barely below a record set in October two years ago. “Some sellers are reducing their prices because their homes are sitting on the market and getting stale—the result of an ongoing affordability crisis impacting buyers,” Redfin said.
Homes sold in June typically spent 32 days on the market, three days longer than last year. The total number of homes for sale was close to 13% higher than a year ago, which happens to be the biggest annual increase on record. And yet, home sales were depressed. By Redfin’s count, home sales fell in June: 0.5% from a month before and 1.1% from a year ago; they were 21.5% below pre-pandemic numbers. It seems to be more of the same—inventory is improving, but demand is down, so homes are staying on the market longer, and sales are static.
“Sales are sluggish because many Americans can’t afford to buy homes, and because while mortgage rates ticked down in June (and have fallen further this month), some buyers are waiting on the sidelines in hopes that they’ll drop even more,” Redfin said.
Existing home sales in June fell 5.4% on a monthly and annual basis, according to the National Association of Realtors.
“We’re seeing a slow shift from a seller’s market to a buyer’s market,” NAR’s chief economist, Lawrence Yun, said in a release today. “Homes are sitting on the market a bit longer, and sellers are receiving fewer offers. More buyers are insisting on home inspections and appraisals, and inventory is definitively rising on a national basis.”
Redfin’s analysis echoed that finding, citing a San Francisco–based real estate agent who said: “Buyers are getting more and more selective… They’re backing out due to minor issues because the monthly costs associated with buying a home today are just too high to rationalize not getting everything on their must-have list.”
Last month, according to NAR, the median existing-home sales price escalated to $426,900; it was the second straight month the price reached an all-time high and the 12th consecutive month of yearly price gains. It’s slightly lower than Redfin’s estimate, but costly nonetheless, particularly when you couple it with mortgage rates that are still more than double their pandemic-era lows.
And it seems there are places where buyers are backpedaling more than others, starting with three metropolitan areas in Florida. In Orlando, about 900 purchase agreements were canceled, close to 21% of homes under contract in June. In Jacksonville and Tampa, 20.5% of homes under contract the same month fell through.
Florida’s situation is unique, however. “We’re seeing nightmare scenarios where deals are getting canceled at the last minute for the most minute reasons,” said a Redfin agent in Miami, where roughly 2,500 home purchases—more than 17% of homes under contract— were canceled in June.
He continued: “Buyers often back out during the inspection period because they find something they don’t like, but affordability is really the underlying issue. I don’t want my buyers to be surprised by all of the expenses that come with owning a home in Florida, so I advise them to proactively research the hefty costs of insurance, property taxes, and [homeowners association] fees, in addition to the cost of their mortgage payment.”
Separately, another Redfin analysis from early June found housing markets in western Florida were cooling faster than anywhere else in the country for a few reasons: the increasing severity of natural disasters, plenty of new construction, and fading demand after a pandemic-era boom.