Americans are seizing any opportunity to refinance their mortgages.
美国人正在抓住任何机会为抵押贷款再融资。
In the week ending June 27, applications to refinance rose 7%, the Mortgage Bankers Association, an industry group, announced on July 2. Rates for home loans fell to the lowest since April that week, with the popular 30-year fixed-rate mortgage averaging 6.79% nationwide.
在截至6月27日的一周中，再融资申请增长了7％，一家行业集团抵押银行协会于7月2日宣布。自那周4月以来，房屋贷款的利率下降到最低，而流行的30年固定率抵押贷款平均为6.79％。
Refinance applications were a whopping 40% higher than a year earlier. In contrast, applications for purchase mortgages were unchanged.
再融资申请比去年同期高40％。相比之下，购买抵押贷款的申请不变。
The big jump in refinance application volumes is somewhat surprising given the small move in rates.
鉴于速度较小，再融资应用量的最大增长有些令人惊讶。
“Despite the small decline, mortgage rates continue to hover in the same 6%-7% range seen over the past year,” pointed out Kara Ng, a senior economist at Zillow, in a statement following the release. “Rates remain stuck in this range, reflecting competing economic signals: signs of a gradually cooling economy argue for lower rates, while persistent inflation supports upward pressure."
Zillow的高级经济学家Kara Ng指出：“尽管下降幅度很小，但过去一年中，抵押贷款利率仍在同一6％-7％的范围内徘徊。”“费率仍然停留在这一范围内，反映了竞争性的经济信号：逐渐冷却经济的迹象会使利率降低，而持续的通货膨胀支持向上压力。”
Mortgage refinancings are up.
抵押再融资增加了。
"Homeowners are looking for any chance to save money on their housing costs, and even small savings can make a difference right now given the total cost of housing," said Dan Richards, President of Flyhomes Mortgage, in an email exchange with USA TODAY.
Flyhomes Mortgage总裁Dan Richards在与《今日美国》的电子邮件交流中说：“房主正在寻找任何机会来省钱的住房成本，即使是较小的储蓄也可以鉴于住房的总成本，也可以产生改变。”
"That’s part of what’s driving the recent uptick in refinancing," Richards continued."A lot of people who bought in the last few years have been waiting for mortgage rates to fall below that ‘magic’ 6% mark to refi, but another year has passed and it’s becoming clear that rates in the 6-7% range are the new normal."
理查兹继续说道：“这是推动最近的再融资上升的一部分。”“在过去几年中购买的许多人一直在等待抵押贷款利率低于'魔术'的6％，但又一年过去了，很明显，在6-7％的范围内的利率是新的正常情况。”
Many economists, including Zillow's Ng, expect rates to make little moves from here, and traders in mortgage futures now expect the 30-year fixed-rate mortgage to average about 6.7% in November, according to the ICE Mortgage and Housing Market Research team.
根据ICE抵押贷款和住房市场研究团队的数据，包括Zillow NG在内的许多经济学家预计利率将从这里做出很少的措施，而抵押期货的交易者现在预计30年的固定利率抵押贷款在11月平均达到6.7％。
This article originally appeared on USA TODAY: Refinance applications jump on lower mortgage rates
本文最初出现在《今日美国：再融资申请》上，以较低的抵押贷款利率跃升
