每日评论0919 美联储开始降息

美联储开始降息

美联储主席鲍尔週三下午宣佈降息五十个基点，他指出目前我们的经济处於良好状态，他拒绝表明未本降息之速度和规模。但是一般预料，降息速度会在今年内降另外五十个基点，2025年再削减一百个基点，将目标范围分别降至4.25%至4.5%和3%至3.25%。

美联储之降息立即对房地產市场產生影响，上週以来三十年固定贷款之利率已经降至十九个月之新低，此次美联储之降息将会使利息再次降低。虽然利息下降并非意味购房者能增加购屋之能力，因為更多人进入市场会使房价上涨。

汽车贷款利率及信用卡学生私人贷款都会下降，基本上而言,这是消费大眾之福音。

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.