Miércoles 19/04/23Libro Beige del Fed

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Miércoles

Eventos económicos libro Beige del Fed
HablaWilliams

Fed Beige Book
7:00 pm New York Fed President Williams speaks

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LAST CHG %CHG
Crude Oil Futures 80.79 -0.07 -0.09
Brent Crude Futures 84.68 -0.09 -0.11
Gold Futures 2015.90 -3.80 -0.19
Silver Futures 25.250 -0.013 -0.05
DJIA Futures 34073 -51 -0.15
S&P 500 Futures 4175.00 -5.00

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LAST CHG %CHG
Euro (EUR/USD) 1.0975 0.0000 0.00
Japanese Yen (USD/JPY) 134.29 0.17 0.13
U.K. Pound (GBP/USD) 1.2421 -0.0003 -0.02
Swiss Franc (USD/CHF) 0.8966 0.0003 0.03
Chinese Yuan (USD/CNY) 6.8776 0.0016 0.02
U.S. Dollar Index 101.78

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YIELD(%) YIELD CHG
U.S. 10 Year 3.582 0.005
Germany 10 Year 2.479 0.006
U.K. 10 Year 3.751 0.055
Japan 10 Year 0.478 0.003
Australia 10 Year 3.527 0.044
China 10 Year 2.867 -0.007

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12153.41 -4.31 -0.04
Japan: Nikkei 225 28590.40 -68.43 -0.24
UK: FTSE 100 7909.44 29.93 0.38
Crude Oil Futures 80.81 -0.05 -0.06
Gold Futures 2015.80 -3.90 -0.19
Yen 134.29 0.18 0.13
Euro 1.0975

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4154.87 3.55 0.09
China: Shanghai Composite 3383.57 -9.76 -0.29
Japan: Nikkei 225 28590.40 -68.43 -0.24
UK: FTSE 100 7909.44

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Price: US$/lb

Copper April 18,23:19
Bid/Ask 4.0811 - 4.0820
Change -0.0057 -0.14%
Low/High 4.0762 - 4.0921
Charts

Nickel April 18,23:19
Bid/Ask 11.3455 - 11.3840
Change -0.1346 -1.17%
Low/High 11.3160 - 11.5209
Charts

Aluminum April 18,23:19
Bid/Ask 1.1941 - 1.1945
Change -0.0048 -0.40%
Low/High 1.1914 - 1.2006
Charts

Zinc April 18,23:19
Bid/Ask 1.3015 - 1.3026
Change -0.0008 -0.06%
Low/High 1.2983 - 1.3081
Charts

Lead April 18,23:18
Bid/Ask 0.9773 - 0.9782
Change -0.0029 -0.30%
Low/High 0.9767 - 0.9816
Charts

Uranium Apr 10, 2023
Ux U308 price: 51.00
Change from
previous week +0.25

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LAST CHG %CHG
Crude Oil Futures 79.39 -1.47 -1.82
Brent Crude Futures 83.18 -1.59 -1.88
Gold Futures 1986.50 -33.20 -1.64
Silver Futures 24.825 -0.438 -1.73
DJIA Futures 33978 -146 -0.43
S&P 500 Futures 4157.50 -22.5

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LAST CHG %CHG
Crude Oil Futures 79.26 -1.60 -1.98
Brent Crude Futures 83.10 -1.67 -1.97
Gold Futures 1981.90 -37.80 -1.87
Silver Futures 24.765 -0.498 -1.97
DJIA Futures 34032 -92 -0.27
S&P 500 Futures 4161.25 -18.75

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LAST CHG %CHG
DJIA 33859.63 -117.00 -0.34
S&P 500 4139.19 -15.68 -0.38
Nasdaq Composite 12083.43 -69.98 -0.58
Japan: Nikkei 225 28606.76 -52.07 -0.18
UK: FTSE 100 7893.54 -15.90 -0.20
Crude Oil Futures 78.71 -2.15 -2.66
Gold Futures 2004.50 -15.20 -0.75
Yen 134.32 0.21 0.16
Euro 1.0978

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Mortgage demand from homebuyers drops 10% as interest rates jump
PUBLISHED WED, APR 19 20237:00 AM EDTUPDATED 2 HOURS AGO
thumbnail
Diana Olick
@IN/DIANAOLICK
@DIANAOLICKCNBC
@DIANAOLICK
Last week, the average contract interest rate for 30-year fixed-rate mortgages with conforming loan balances ($726,200 or less) increased to 6.43% from 6.30% the previous week.
Applications to refinance a home loan decreased 6% from the previous week and were 56% lower than the same week one year ago.
Homes in Centreville, Maryland, US, on Tuesday, April 4, 2023. The Mortgage Bankers Association is scheduled to release mortgage applications figures on April 5. Photographer: Nathan Howard/Bloomberg via Getty Images
Homes in Centreville, Maryland, US, on Tuesday, April 4, 2023.
Nathan Howard | Bloomberg | Getty Images
Today’s homebuyers appear to be increasingly sensitive to weekly moves in mortgage rates. While home prices are easing some, affordability is still a major hurdle, especially as more first-time buyers enter the market.

Last week, the average contract interest rate for 30-year fixed-rate mortgages with conforming loan balances ($726,200 or less) increased to 6.43% from 6.30% the previous week, with points rising to 0.63 from 0.55 (including the origination fee) for loans with a 20% down payment.


As a result, mortgage applications to purchase a home dropped 10% from the week before, according to the Mortgage Bankers Association’s seasonally adjusted index. Buyer demand was 36% lower than the same week one year ago when the 30-year fixed-rate mortgage averaged 5.20%.

“Affordability challenges persist and there is limited for-sale inventory in many markets across the country, so buyers remain selective on when they act,” wrote Joel Kan, MBA’s deputy chief economist, in a release. “The 10-percent drop in FHA purchase applications, and the increase in the average purchase loan size to its highest level in a month, are other indications that first-time buyers have pulled back.”

But wealthier buyers may also be seeing new difficulties when it comes to credit. Banks had been offering better rates on jumbo loans, but that spread between jumbo and conforming loans is much tighter now, compared with last year. This has to do with recent regional bank failures that have rippled through the industry.

“As banks reduce their willingness to hold jumbo loans, we expect this narrowing trend to continue,” Kan said.

Applications to refinance a home loan decreased 6% from the previous week and were 56% lower than a year ago. The refinance share of mortgage activity increased to 27.6% of total applications from 27.0% the previous week.

Mortgage rates moved significantly higher to start this week, according to another rate survey from Mortgage News Daily. Still, rates have been bouncing between 6% and 7% for several months. Potential homebuyers may be getting used to seeing higher rates now, but home prices haven’t corrected enough yet to bring affordability back to earth.

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Copper April 19,09:59
Bid/Ask 4.0433 - 4.0442
Change -0.0435 -1.06%
Low/High 4.0220 - 4.0921
Charts

Nickel April 19,09:59
Bid/Ask 11.1682 - 11.1863
Change -0.3118 -2.72%
Low/High 10.9391 - 11.5209
Charts

Aluminum April 19,09:59
Bid/Ask 1.1916 - 1.1918
Change -0.0073 -0.61%
Low/High 1.1827 - 1.2006
Charts

Zinc April 19,09:59
Bid/Ask 1.2623 - 1.2630
Change -0.0401 -3.08%
Low/High 1.2548 - 1.3081
Charts

Lead April 19,09:59
Bid/Ask 0.9792 - 0.9798
Change -0.0011 -0.12%
Low/High 0.9687 - 0.9826
Charts

Uranium Apr 17, 2023
Ux U308 price: 51.00
Change from
previous week +0.00

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LAST CHG %CHG
Crude Oil Futures 79.06 -1.80 -2.23
Brent Crude Futures 82.98 -1.79 -2.11
Gold Futures 2006.60 -13.10 -0.65
Silver Futures 25.395 0.132 0.52
DJIA Futures 33996 -128 -0.38
S&P 500 Futures 4163.50 -16.50 -

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LAST CHG %CHG
Euro (EUR/USD) 1.0976 0.0001 0.01
Japanese Yen (USD/JPY) 134.34 0.22 0.17
U.K. Pound (GBP/USD) 1.2464 0.0040 0.32
Swiss Franc (USD/CHF) 0.8968 0.0005 0.06
Chinese Yuan (USD/CNY) 6.8889 0.0129 0.19
U.S. Dollar Index 101.73

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YIELD(%) YIELD CHG
U.S. 10 Year 3.602 0.025
Germany 10 Year 2.499 0.020
U.K. 10 Year 3.845 0.094
Japan 10 Year 0.478 0.002
Australia 10 Year 3.523 0.040
China 10 Year 2.870