【World Property Journal】Independent Mortgage Bank Profits in U.S. Go Negative in Q2

According to the Mortgage Bankers Association's newly released Quarterly Mortgage Bankers Performance Report, independent mortgage banks (IMBs) and mortgage subsidiaries of chartered banks reported a net loss of $82 on each loan they originated in the second quarter of 2022, down from a reported gain of $223 per loan in the first quarter of 2022.

【CNBC】Home sales fell nearly 6% in July as housing market slides into a recession

  • Sales of previously owned homes fell nearly 6% in July compared with June, according to a monthly report from the National Association of Realtors.
  • Sales dropped about 20% from the same month a year ago.
  • “In terms of economic impact we are surely in a housing recession because builders are not building,” said Lawrence Yun, chief economist for the Realtors.

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【CNBC】The modern family: 18% of Americans live in multigenerational households. For this N.J. family, it was ‘a lifesaver’ during the pandemic

  • Multigenerational living has risen sharply over the past five decades and shows no sign of slowing down.
  • Largely driven by financial constraints, one in four young adults now live with parents or grandparents, according to a recent Pew Research Center report.
  • "It's really a private social safety net," said Richard Fry, a senior researcher at Pew.

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【中國財經】住建部等部門出台措施政策性銀行專項借款精準聚焦保交樓穩民生

部分房地產企業長期依賴高負債、高槓桿、高周轉的發展模式，在疫情衝擊和市場下行壓力加大的情況下，銷售回款不暢、新增融資受阻，資金鍊出現問題，導致部分已售商品住宅項目因資金周轉困難而停工或逾期交付，損害購房人合法權益，影響社會穩定。據悉，此次專項借款精準聚焦“保交樓、穩民生”，嚴格限定用於已售、逾期、難交付的住宅項目建設交付，實行封閉運行、專款專用。通過專項借款撬動、銀行貸款跟進，支持已售逾期難交付住宅項目建設交付，維護購房人合法權益，維護社會穩定大局。

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【中房研協】示範性民營房企獲監管層支持，傳遞積極的信號意義

8月16日，有資本市場消息傳出，金融監管部門計劃通過國有增信機構中債信用增進投資公司（中債信用）對民營房企發債開展效力更強的“全額不可撤銷擔保”，幫助示範性房企發債，為其提供流動性支持。部分債券發行有望在本月底房企中期業績發布截止日期前完成。

這份示範房企名單除了首批啟動信用保護工具融資的碧桂園、龍湖集團、新城控股、旭輝控股集團和美的置業外，還包括金地集團、遠洋集團等企業。但鑑於消息尚未正式公開，該試點還未真正落地，疊加近期債券市場極度敏感，因此不排除存在變數的可能性。

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【中房研協】政策向多孩家庭傾斜漸成趨勢，但對樓市整體提振作用有限

8月16日，經國務院同意，國家衛生健康委、國家發展改革委等17部門印發《關於進一步完善和落實積極生育支持措施的指導意見》，將精準實施購房租房傾斜政策。住房政策向多子女家庭傾斜，在繳存城市無自有住房且租賃住房的多子女家庭，可按照實際房租支出提取住房公積金；對購買首套自住住房的多子女家庭，有條件的城市可給予適當提高住房公積金貸款額度等相關支持政策。

當前各地對多孩家庭的住房支持政策，更多的是傳遞出一種信號意義，是對多孩家庭降低生育養育成本、提供購房便利以及穩定房地產市場、扭轉市場預期的助力，對房地產市場會產生一定的影響，但無法像此前的人口紅利時期一樣，對整體樓市形成巨大的消費推動。一方面，我國家庭結構中，多孩家庭數量不多，另一方面，多孩家庭所需的改善型住房產品往往房屋總價較高，有購房意願且有支付能力的家庭佔比不高，因此預計相關支持政策對房地產市場整體提振作用有限。

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【NAR】Existing-Home Sales Retreated 5.9% in July

  • Existing-home sales fell for the sixth consecutive month to a seasonally adjusted annual rate of 4.81 million. Sales were down 5.9% from June and 20.2% from one year ago.
  • The median existing-home sales price climbed 10.8% from one year ago to $403,800. That's down $10,000, however, from last month's record high of $413,800.
  • The inventory of unsold existing homes rose to 1.31 million by the end of July, or the equivalent of 3.3 months at the current monthly sales pace.

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