建筑商的信用收紧,病毒归咎于

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For the first time since 2012, builders and developers reported tighter credit conditions on loans for land acquisition, development and single-family construction (AD&C) in NAHB’s AD&C financing survey for the first quarter of 2020. The net tightening index derived from the NAHB survey jumped to 22.7, about 40 points higher than the -22.3 reported in the fourth quarter of 2019. The index is constructed so that positive numbers indicate tightening of credit, with larger positive numbers indicating more widespread tightening. A similar index from the Federal Reserve’s survey of senior loan officers also showed a spike in tightening. The Fed index jumped to 52.4 in the first quarter of 2020, 45 points higher than the 7.4 reported in the fourth quarter of 2019 and the highest it’s been since 2009.

NaHB净紧缩索引使用来自提出建筑和开发人员的问题的信息,如果信用的可用性更好,更糟,或以来以前的季度留下相同。2020年的第一季度,没有一个NaHB建设者表示,与26%表示变得更糟的26%相比,征地的信贷的可用性更好。对于土地发展,5%的百分比表示信贷条件的提高,而27%的人表示变得更糟。对于单家族建设,6%报告的信贷条件在2020年第一季度比2019年最后季度更好,而26%的人表示他们变得更糟。The number one reason credit conditions got worse was that ‘lenders are pulling back because of coronavirus concerns’ (57 percent), followed by ‘lenders are lowering their LTV or LTC ratios’ and ‘lenders are reducing the amount willing to lend (both reported by 46 percent).

同样在第一季度,建筑商和开发人员报告了AD&C调查所涵盖的所有类型贷款的利率下降。平均利率从贷款贷款的6.13降至5.22%,从5.94升至5.22%的土地发展贷款,从投机单家族建设的贷款和5.38%到4.99%的贷款预售单家族建筑。这标志着AD&C调查中所有四类贷款的汇率下降的第三季度。

但是,在作为典型的ad&c贷款那样快速偿还的贷款时,收取的初始点可以与合同利率一样重要。在2020年的第一季度,平均初始点拒绝从贷款贷款的1.10%到0.79%的土地征集贷款,土地发展贷款的1.10%至0.81%。另一方面,平均初始点增加在单家庭建筑贷款 - 投机结构贷款的0.82%至0.90%,贷款对预售建筑的贷款0.64至0.75%。



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