CNBC Housing Market Survey: Key Findings
Summary
A new CNBC survey reveals that most prospective homebuyers are delaying purchases, anticipating further declines in mortgage rates. Affordability remains the primary concern, creating a standoff between buyers and sellers in the current market.
Key Points
- Mortgage Rate Expectations: Most homebuyers expect mortgage rates to fall further from the current average of 6.17% for a 30-year fixed loan.
- Top Buyer Concerns: High mortgage rates are the biggest worry for buyers, followed by economic uncertainty and overall affordability.
- Market Standoff: Sellers are pricing homes for a seller’s market, while buyers are waiting for lower rates and prices, leading to a slowdown in transactions.
- Buyer Strategies: To cope with high costs, buyers are using rate buydowns, adjustable-rate mortgages, borrowing from family, and compromising on home size or location.
- Seller Adjustments: 89% of agents reported sellers reducing asking prices, and nearly a third saw more than half of their sellers drop prices. About 40% had sellers delist homes to wait for better market conditions.
- Inventory & Sales Outlook: Housing supply has improved but remains tight, especially for affordable homes. Most agents expect sales to stay the same or improve slightly in the next quarter.
CNBC住房市场调查：主要发现
总结
一项新的CNBC调查显示，大多数潜在购房者正在推迟购房，预计抵押贷款利率将进一步下降。可负担性仍然是首要问题，导致当前市场中买卖双方陷入僵持。
关键点
- 抵押贷款利率预期：大多数购房者预计抵押贷款利率将从目前30年期固定贷款平均6.17%的水平进一步下降。
- 买家主要担忧：高抵押贷款利率是买家的最大担忧，其次是经济不确定性和整体可负担性。
- 市场僵局：卖家正以卖方市场的价格定价，而买家则在等待利率和价格下降，导致交易放缓。
- 买家策略：为应对高成本，买家正在使用利率买断、可调利率抵押贷款、向亲友借款，并在房屋面积或位置上妥协。
- 卖家调整：89%的经纪人报告卖家降低了要价，近三分之一看到超过一半的卖家降价。约40%的经纪人曾有卖家撤下房源，以等待更好的市场条件。
- 库存与销售展望：住房供应有所改善但仍然紧张，尤其是经济适用房。大多数经纪人预计下一季度销售将保持稳定或略有改善。
Original Article Link: https://www.cnbc.com/2025/10/23/housing-market-survey-buyers-expect-mortgage-rates-to-drop.html