{"id":4408,"date":"2023-10-30T09:40:09","date_gmt":"2023-10-30T13:40:09","guid":{"rendered":"https:\/\/advisorsmortgage.com\/?p=4408"},"modified":"2023-10-30T09:00:37","modified_gmt":"2023-10-30T13:00:37","slug":"inflation-and-interest-rates","status":"publish","type":"post","link":"https:\/\/advisorsmortgage.com\/es\/advisors-family\/30-second-market-update\/inflation-and-interest-rates\/","title":{"rendered":"Inflaci\u00f3n y tasas de inter\u00e9s"},"content":{"rendered":"<!--[if lt IE 9]><script>document.createElement('audio');<\/script><![endif]-->\n<audio class=\"wp-audio-shortcode\" id=\"audio-4408-1\" preload=\"none\" style=\"width: 100%;\" controls=\"controls\"><source type=\"audio\/mpeg\" src=\"https:\/\/advisorsmortgage.com\/wp-content\/uploads\/Advisors-Oct-30-2023-Weekly-Update-10292023.mp3?_=1\" \/><a href=\"https:\/\/advisorsmortgage.com\/wp-content\/uploads\/Advisors-Oct-30-2023-Weekly-Update-10292023.mp3\">https:\/\/advisorsmortgage.com\/wp-content\/uploads\/Advisors-Oct-30-2023-Weekly-Update-10292023.mp3<\/a><\/audio>\n<p>La Oficina de An\u00e1lisis Econ\u00f3mico public\u00f3 el viernes su informe de inflaci\u00f3n llamado Gastos de consumo personal o PCE. Este es tambi\u00e9n el informe favorito de la Reserva Federal cuando se trata de medir la inflaci\u00f3n. En este informe vimos que la inflaci\u00f3n aument\u00f3 0.4% en septiembre, cifra ligeramente superior a lo estimado. Anualmente, el PCE disminuy\u00f3 de 3,51 TP3T a 3,41 TP3T, lo que est\u00e1 en l\u00ednea con las estimaciones. El PCE b\u00e1sico, que excluye los precios de los alimentos y la energ\u00eda y es el foco principal de la Reserva Federal, aument\u00f3 0,31 TP3T pero disminuy\u00f3 de 3,91 TP3T a 3,71 TP3T a\u00f1o tras a\u00f1o. Esto estuvo en l\u00ednea con las estimaciones previstas. <\/p>\n<p>Profundizando en este informe, vimos que los ingresos personales aumentaron 0.3% el mes pasado, sin embargo, el gasto personal aument\u00f3 0.7%, lo que estuvo por encima de las estimaciones. La tasa de ahorro ha ido cayendo constantemente y, en este informe, cay\u00f3 un poco m\u00e1s hasta apenas 3,4%. La tasa de ahorro estaba en 5,3% apenas en mayo de este a\u00f1o y casi alcanz\u00f3 los 8% a principios de 2020. Durante las peores partes de la Gran Recesi\u00f3n, la tasa de ahorro era de 2,4%. Vemos que los consumidores est\u00e1n gastando, especialmente en el tercer trimestre de este a\u00f1o. Esto lo vimos evidente en el informe del Producto Interno Bruto del tercer trimestre, pero el ritmo actual de gasto no es sostenible. Vemos esto en funci\u00f3n de la tasa de ahorros agotados y el aumento del cr\u00e9dito pendiente.<\/p>\n<p>Un lado positivo es que a medida que la inflaci\u00f3n cae, lo mismo sucede con las tasas de inter\u00e9s. Hist\u00f3ricamente, esta relaci\u00f3n ha sido mucho m\u00e1s estrecha, pero como la Reserva Federal ha adoptado \u00faltimamente una postura muy dura, la relaci\u00f3n ha crecido un poco m\u00e1s. A medida que la inflaci\u00f3n siga disminuyendo y la Reserva Federal relaje su pol\u00edtica y comience a hablar con un tono m\u00e1s moderado o acomodaticio, veremos que las tasas de inter\u00e9s comienzan a mejorar.<\/p>\n<p>Fuente :h<a href=\"https:\/\/bit.ly\/38TtjP2\">ttps:\/\/bit.ly\/38TtjP2<\/a><\/p>","protected":false},"excerpt":{"rendered":"La Oficina de An\u00e1lisis Econ\u00f3mico public\u00f3 el viernes su informe de inflaci\u00f3n llamado Gastos de consumo personal o PCE. Este es tambi\u00e9n el informe favorito de la Reserva Federal cuando se trata de medir <span class=\"gold-text\">[&#8230;]<\/span>","protected":false},"author":3,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[16],"tags":[12,317,47,339,138,213],"class_list":["post-4408","post","type-post","status-publish","format-standard","hentry","category-30-second-market-update","tag-30-second-update","tag-bond-rates","tag-housing-market","tag-market-rates","tag-mortgages","tag-recession"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v23.7 (Yoast SEO v23.7) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Inflation and Interest Rates - Advisors Mortgage Group<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/advisorsmortgage.com\/es\/advisors-family\/30-second-market-update\/inflation-and-interest-rates\/\" \/>\n<meta property=\"og:locale\" content=\"es_MX\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Inflation and Interest Rates\" \/>\n<meta property=\"og:description\" content=\"The Bureau of Economic Analysis released its Inflation report on Friday called Personal Consumption Expenditures or PCE. 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