다음의 기사를 참조해 주세요.
미국의 Loan Application이2.8% 늘었습니다.
이것은 Approval이 늘었다는것은 아닙니다. 이것이 우리에게 가르치는것은 사람들이, 주택을 이제 구입할때라고 생각하고 융자 신청이 늘었다는것을 말합니다.
2.8% 증가는 대단한 양은 아닙니다. 특별히 융자거절의 공포때문에 신청이 지난 2년 동안 50% 이하로 줄었다는것을 감안한다면 말입니다.
그러나 아직은 아니지만 방향 전환의 싸인중의 하나입니다.
여러분은 무엇을 하시겠습니까?

WASHINGTON, D.C. (August 6, 2008) — The Mortgage Bankers Association (MBA) today released its Weekly Mortgage Applications Survey for the week ending August 1, 2008.  The Market Composite Index, a measure of mortgage loan application volume, was 432.6, an increase of 2.8 percent on a seasonally adjusted basis from 420.8 one week earlier.  On an unadjusted basis, the Index increased 2.4 percent compared with the previous week and was down 33.7 percent compared with the same week one year earlier.

The Refinance Index increased 4.4 percent to 1121.8 from 1074.4 the previous week and the seasonally adjusted Purchase Index increased 1.8 percent to 315.2 from 309.5 one week earlier.  The Conventional Purchase Index decreased 0.3 percent while the Government Purchase Index (largely FHA) increased 7.2 percent. 
 
The four week moving average for the seasonally adjusted Market Index is down 4.2 percent to 466.3 from 486.5.  The four week moving average is down 3.7 percent to 330.0 from 342.6 for the Purchase Index, while this average is down 4.8 percent to 1266.0 from 1330.3 for the Refinance Index.

The refinance share of mortgage activity increased to 35.9 percent of total applications from 35.2 percent the previous week. The adjustable-rate mortgage (ARM) share of activity decreased to 6.9 from 7.3 percent of total applications from the previous week.

The average contract interest rate for 30-year fixed-rate mortgages decreased to 6.41 percent from 6.46 percent, with points decreasing to 1.13 from 1.16 (including the origination fee) for 80 percent loan-to-value (LTV) ratio loans.

The average contract interest rate for 15-year fixed-rate mortgages increased to 6.02 percent from 5.98 percent, with points decreasing to 1.02 from 1.18 (including the origination fee) for 80 percent LTV loans.

The average contract interest rate for one-year ARMs decreased to 7.17 percent from 7.25 percent, with points decreasing to 0.36 from 0.39 (including the origination fee) for 80 percent LTV loans.