第三,daily newsletter。利率變化後麵的分析。

本帖於 2025-02-06 11:05:41 時間, 由版主 檸檬椰子汁 編輯

https://www.mortgagenewsdaily.com/newsletter

當然這個考驗閱讀能力。不要期待任何爆炸新聞,或者內部消息。知識的積累就是AI 訓練,質變的基礎是量變。天天花五分鍾看一看,起碼把每一段的開頭句子看一下,知道他們說的什麽。然後把結論仔細讀一下,不懂的去google,慢慢地就看懂業內的術語了。

不要隻看標題,要體會每一個字。像考GRE一樣,看邏輯關係。

比如,昨天的newsletter,標題是Mortgage Rates Finally Make a Move (Lower)

https://www.mortgagenewsdaily.com/markets/mortgage-rates-02052025

不要看標題就跳過了,而是要看內容。

In fact, for most prospective borrowers as well as mortgage professionals, the only thing better than sideways stability is a healthy drop to lower levels. Now, after a week of utter flatness, we finally have such a drop.

Rates are determined by trading levels in the bond market and bonds can be influenced by many factors.  One of the most reliable is the periodic release of various economic reports.  Today's key data showed less strength than expected in the services sector.  In general, when an important economic metric is weaker than expected, it pushes rates lower, and vice versa.

這幾句話說前一段時間利率持平,現在終於落了一點,可能是幾個經濟因素之中的某個因素比較變弱。讀了這幾句話,放到你腦子裏麵的文件夾就好了,不要到房壇轟動地說,哎呀利率降了降了。隻要知道這件事,長期看到趨勢,就夠了。除了COVID,戰爭,或者轟動性時間,跟蹤利率是一個很沒趣味的事情。

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