违法抵押贷款的分享继续下降

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根据最近的释放抵押银行公司协会的国家拖欠调查,被认为违法的抵押贷款持续下降。在季节性调整的基础上,2014年第四季度的抵押贷款占有率下降至5.68%,从2014年第三季度和71个基础比2013年第四季度少于其水平。5.68%自2007年第三季度以来的拖欠率处于最低水平。

在违反犯罪阶段的抵押贷款不季节性调整后的一年中的减少率。抵押贷款的比例为30-59天,由于抵制的31个基点为2.97%,而抵押贷款的百分比较60-89天的抵制萎缩13个基点至1.02%。抵押贷款的份额90或更多日期到期降低了30个基点至2.25%。如图1所示,抵押贷款90或更多天在1980年至2005年间平均为0.8%。然而,在最近经济衰退期间飙升的抵押贷款90或更多天的百分比,在2009年第四季度达到5.1%。从那时起,抵押贷款的份额为90或更多天过去遭到明显下降。

呈现1.

一个以前的邮政据表明,严重拖欠率的下降部分反映了抵押贷款的收紧标准。早些时候工作据证明,净额紧张的贷款标准仍然在商业银行,较小的商业银行仍然占上风,而Fannie Mae的抵押贷款情绪调查确认了这一结果。但是,虽然存款机构的净贷款标准仍然紧张,但法尼MAE的抵押贷款情绪调查还表明,抵押银行的贷款标准已经开始缓解。

The Mortgage Lending Sentiment Survey asks mortgage lending partners, both depository institutions and mortgage banks, to compare the current lending standards at the partner’s institution relative to those that prevailed one year ago, the end of 2013. As Figure 2 below depicts, a net share of 3% of mortgage lenders, both depository institutions and mortgage banks, reported that lending standards at the end of 2014 where tighter compared with 2013. The net share is calculated as the difference between the percentage of banks that reported easier lending standards and the proportion of banks reporting that lending standards had tightened. According to the chart, the net tightness in lending standards across all mortgage lending institutions reflects still tight standards at depository institutions. A net portion of 14% of depository institutions reported that lending standards had tightened over the past year. In contrast, a net of 17% of mortgage banks reported that lending standards at their institution had eased in the past year.

呈现2.



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