{"id":4427,"date":"2023-11-13T09:55:42","date_gmt":"2023-11-13T14:55:42","guid":{"rendered":"https:\/\/advisorsmortgage.com\/?p=4427"},"modified":"2023-11-13T08:36:51","modified_gmt":"2023-11-13T13:36:51","slug":"mortgage-rate-improvement","status":"publish","type":"post","link":"https:\/\/advisorsmortgage.com\/es\/advisors-family\/30-second-market-update\/mortgage-rate-improvement\/","title":{"rendered":"Mejora de la tasa hipotecaria"},"content":{"rendered":"<!--[if lt IE 9]><script>document.createElement('audio');<\/script><![endif]-->\n<audio class=\"wp-audio-shortcode\" id=\"audio-4427-1\" preload=\"none\" style=\"width: 100%;\" controls=\"controls\"><source type=\"audio\/mpeg\" src=\"https:\/\/advisorsmortgage.com\/wp-content\/uploads\/Advisors-nov-13-2023-Weekly-Update-11122023.mp3?_=1\" \/><a href=\"https:\/\/advisorsmortgage.com\/wp-content\/uploads\/Advisors-nov-13-2023-Weekly-Update-11122023.mp3\">https:\/\/advisorsmortgage.com\/wp-content\/uploads\/Advisors-nov-13-2023-Weekly-Update-11122023.mp3<\/a><\/audio>\n<p>Durante las \u00faltimas semanas, hemos visto una ligera ca\u00edda de los tipos de inter\u00e9s. \u00bfCu\u00e1l ha sido el catalizador que ha ayudado a mejorar las tasas? Echemos un vistazo r\u00e1pido. Las tasas de inter\u00e9s se ven fuertemente afectadas por la inflaci\u00f3n. Cuanto mayor es la inflaci\u00f3n, peores son las tasas. B\u00e1sicamente, la inflaci\u00f3n erosiona el rendimiento de la inversi\u00f3n para los tenedores de bonos a largo plazo, de modo que cuando la inflaci\u00f3n aumenta, o se prev\u00e9 que aumentar\u00e1, los inversores en bonos venden o compran menos. Cuando eso ocurre, el precio de los bonos cae. Cuando el precio de los bonos baja, las tasas de inter\u00e9s aumentan.  <\/p>\n<p>Los \u00faltimos informes de inflaci\u00f3n han mostrado algunos niveles de inflaci\u00f3n que se est\u00e1n enfriando. El \u00faltimo informe de Gasto en Consumo Personal, el indicador de inflaci\u00f3n favorito de la Reserva Federal, mostr\u00f3 que a\u00f1o tras a\u00f1o, la inflaci\u00f3n subyacente cay\u00f3 a 3,7%. Si bien esto todav\u00eda est\u00e1 muy por encima del objetivo 2% de la Reserva Federal, fue un m\u00ednimo de dos a\u00f1os y el mercado de bonos reaccion\u00f3 relativamente positivamente provocando que las tasas mejoraran ligeramente. <\/p>\n<p>Hubo otros elementos\/eventos que tambi\u00e9n ayudaron a mejorar las tarifas. Hubo dos informes de empleo, el ADP y el BLS, que mostraron un crecimiento del empleo inferior al esperado. El BLS tambi\u00e9n mostr\u00f3 una inflaci\u00f3n menos presionada por los salarios y un informe de desempleo en aumento. Las malas noticias para la econom\u00eda suelen mostrar que los inversores se inclinan por su \u201chuida hacia la seguridad\u201d y normalmente compran una mayor cantidad de inversiones de rentabilidad fija en lugar de acciones m\u00e1s vol\u00e1tiles.<\/p>\n<p>Por \u00faltimo, la Reserva Federal tuvo su pen\u00faltima reuni\u00f3n y los resultados mostraron que dejar\u00edan sin cambios la tasa de fondos federales. Esto era de esperar, sin embargo, durante su conferencia de prensa tambi\u00e9n tuvieron un tono m\u00e1s suave, m\u00e1s acomodaticio o moderado, diciendo con pocas palabras que, dado que los rendimientos son niveles elevados, no hay necesidad de aumentar su tasa para aumentar la supresi\u00f3n de la actividad econ\u00f3mica. Esto ayud\u00f3 a mantener las tasas hipotecarias moderadas y apuntando tambi\u00e9n a la baja.<\/p>\n<p>En pocas palabras, los bonos se est\u00e1n negociando con una tendencia alcista (bueno para las tasas) hasta ahora, ya que las \u00faltimas publicaciones de datos han favorecido una econom\u00eda debilitada y una Reserva Federal ligeramente m\u00e1s flexible. Si esta tendencia contin\u00faa, podr\u00edamos estar en camino hacia tasas mucho m\u00e1s bajas en el futuro. <\/p>\n<p>Fuentes:<\/p>\n<p><a href=\"https:\/\/bit.ly\/38TtjP2\">https:\/\/bit.ly\/38TtjP2<\/a><\/p>\n<p><a href=\"https:\/\/bit.ly\/3FRq62L\">https:\/\/bit.ly\/3FRq62L<\/a><\/p>","protected":false},"excerpt":{"rendered":"Durante las \u00faltimas semanas, hemos visto una ligera ca\u00edda de los tipos de inter\u00e9s. \u00bfCu\u00e1l ha sido el catalizador que ha ayudado a mejorar las tasas? Echemos un vistazo r\u00e1pido. Las tasas de inter\u00e9s son fuertemente <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":[12,317,39,47,30,213,326],"class_list":["post-4427","post","type-post","status-publish","format-standard","hentry","category-30-second-market-update","tag-30-second-update","tag-bond-rates","tag-housing-inventory","tag-housing-market","tag-interest-rates","tag-recession","tag-stock-market"],"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>Mortgage Rate Improvement - 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\/mortgage-rate-improvement\/\" \/>\n<meta property=\"og:locale\" content=\"es_MX\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Mortgage Rate Improvement\" \/>\n<meta property=\"og:description\" content=\"Over the last few weeks, we have seen interest rates decline slightly. What has been the catalyst to help rates improve? Let\u2019s take a quick look. 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