每日评论0919 美聯儲開始降息

美聯儲開始降息

美聯儲主席鮑爾週三下午宣佈降息五十個基點，他指出目前我們的經濟處於良好狀態，他拒絕表明未本降息之速度和規模。但是一般預料，降息速度會在今年內降另外五十個基點，2025年再削減一百個基點，將目標範圍分別降至4.25%至4.5%和3%至3.25%。

美聯儲之降息立即對房地產市场產生影響，上週以來三十年固定貸款之利率已經降至十九個月之新低，此次美聯儲之降息將會使利息再次降低。雖然利息下降並非意味購房者能增加購屋之能力，因為更多人進入市場會使房價上漲。

汽車貸款利率及信用卡學生私人貸款都會下降，基本上而言,這是消費大眾之福音。

The Federal Reserve Begins To Cut  The Interest Rate

The Federal Reserve Chairman Powell announced an interest rate cut of 0.5  percent on Wednesday afternoon. 

He pointed out that our economy is in good condition at present. He refused 

to indicate the speed and scale of the interest rate cut, but it is generally expected that the rate cut will be dropped another 50 basis points within this year.

The Federal Reserve‘s rate cut has an immediate impact on the real estate market. Since last week, the 30-year fixed mortgage rate already drop to its lowest point in 19 months. Although the decline in the interest rate does not mean that home buyers can now afford the high housing prices.

Car loans, student loans and payments on credit cards will all benefit from this rate cut.