2023年6月2日

商业和多户家庭抵押贷款拖欠率在2023年的第一部分由Anna Bahney KIFI,美国有线电视新闻网华盛顿,华盛顿(CNN)——商业和多户家庭抵押贷款拖欠率增加在2023年第一季度,美国抵押贷款银行协会(mba)根据一项新的报告。“持续的压力更高的利率,造成的不确定性属性值,和质疑基本面在某些房地产市场开始出现在商业抵押贷款拖欠率,”杰米Woodwell说MBA商业房地产研究主管。沉重打击了商业地产大流行,用更少的人回到办公室和花钱吃午饭,完成他们的指甲,使用干洗店——在这些走廊。过去14个月美国联邦储备理事会(美联储,fed) 10次上调了利率,推动借贷的成本越来越高。加上收紧信贷,银行倒闭的结果今年春天,商业和多户公司正面临阻力。“拖欠率增加每第一季度主要资金来源,预示额外的菌株可能通过系统,“Woodwell说。季度分析看着拖欠率五个最大的投资集团:fdic担保银行和储蓄机构,商业抵押贷款支持证券,人寿保险公司,和房利美(Fannie Mae)和房地美(Freddie Mac)。在一起,这些群体持有超过80%的商业和多户家庭的抵押贷款债务。MBA的分析包含了每个投资者团体使用的措施来跟踪他们的贷款的性能。因为每个投资者团体追踪自己的方式——一些包括贷款拖欠30天付款晚了,60天,90天的拖欠率从一个组织到另一个没有可比性。例如,房利美(Fannie Mae)报告在宽容协议拖欠贷款,而房地美(Freddie Mac)排除了这些贷款借款人是否符合宽容协议。 Although the groups’ definitions of delinquency vary, delinquency rates for each group at the end of the first quarter of 2023 were higher than at the end of 2022. Banks and thrifts had a delinquency rate of 0.58%, an increase of 0.13 percentage points from the fourth quarter of 2022. Life company portfolios had a rate of 0.21%, up 0.10 percentage points from the end of last year. Fannie Mae had a rate of 0.35%, an increase of 0.11 percentage points from the fourth quarter of 2022. Freddie Mac had a delinquency rate of 0.13%, an increase of 0.01 percentage points from the fourth quarter of 2022. Commercial mortgage-backed securities had a delinquency rate of 3%, an increase of 0.10 percentage points from the end of 2022. Construction and development loans are generally not included in the numbers presented in the MBA’s report but are included in many regulatory definitions of ‘commercial real estate’ despite the fact they are often backed by single-family residential development projects rather than by other income-producing properties. The FDIC delinquency rates for bank and thrift held mortgages reported here do include loans backed by owner-occupied commercial properties. The-CNN-Wire