社評0320 利率仍然高居不下

利率仍然高居不下

聯邦儲備銀行日前決定把利率維持百分之五點五不變，這將繼續對貸款申請有極大影響。

鮑爾主席表示， 我們的失業率仍然維持良好， 經濟指數及股市仍然穩定， 因此沒有降息之需要。 

專家們認為， 因為二年前疫情時期許多房屋貸款仍然維持非常低， 大家沒有利率上升之壓力， 但是商業貸款及其他地產之利率面臨嚴重挑戰 ，當它們到期時， 將會在重新貸款時每月付款增加一倍， 許多因付不出貸款而被銀行收回， 預計未來數月许多銀行會面臨大的壓力和風險。

聯邦何時降息， 非常難予估計。 但是， 隨著大選及全球經濟之衰退， 應該已經為時不遠了。

Interest Rates Remain High

The Federal Reserve Bank recently decided to keep the interest rate unchanged at 5.5%, which will continue to have a great impact on loan applications.

Federal Reserve Board Chairman Jerome Power said that our unemployment rate remains good. The economic index and the stock market are still stable, so there is no need to cut interest rates.

Experts believe that because many housing loans remained very low during the epidemic two years ago, there is no pressure to raise interest rates, but the interest rates of commercial loans and other real estate are now facing serious challenges. When they mature, the monthly payment will be doubled when the loan is re-loaned. Many of the loans are recovered by the bank simply because people can't pay the loan. It is expected that many banks will face great pressure and risks in the coming months.

It is very difficult to estimate when the federal government will cut interest rates, but with the general election coming and the persistent global economic recession, it should not be far away.