Hope you had a wonderful Labor day weekend!

Mortgage rate went up this week as 10 Year Note Yield went above 3.20% this week (highest since June 28th 2022).

The S&P Case-Shiller 20-City Home Price Index for June rose 18.6% annually, down from 20.5% in May.

The U.S. National Home Price NSA Index, covering all nine U.S. census divisions, saw an 18.0% annual gain in June, down from 19.9% in the previous month.

The Unemployment Rate rose to 3.7% from 3.5%.
Average hourly earnings slipped to 0.3%

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米国10 年債利回りが今週 3.20% を超えたため（6月28日以来の３％越え）住宅金利も上昇。

6 月の S&P Case-Shiller 20 は、年率 18.6% 上昇したものの、5 月の 20.5% からは下落

米国国勢調査の 9 つの部門すべてをカバーする米国全国住宅価格 NSA 指数は、６月年率比18.0%の上昇を記録、しかし５月の19.9% から下落

失業率は 3.5% から 3.7% に上昇
平均時給は0.3%に低下

We have special pricings for developer units only for A’alii & Koula Ward Village & Koula & Koa Ridge
Must record by September 30, 2022 (30 days lock extension available with additional 0.50% points)

–A’alii –   

Owner Occupied buyers with at least 20% down payment( or10% down payment with ASB HELOC)  / Fico 740 above

Developer Units for A’aliiを居住物件で購入、頭金―２０%以上、クレジットスコア７４０以上のお客様に限り下記の金利をご用意しております。
FUNDには、限りがありますのでお早目にご連絡下さい。（登記日９/30まで）
0.50 ポイント追加で３0日間のlock extensionも可能

2^nd Home   0.25 points more
Investment  0.25% more to the ra0te. (Points are the same)

2nd Home / Require 20% down payment /  Fico 740 above
3.50%  / 1.75 points
3.625%/ 1.25 points
3.75 %/  0.75 points

Investment / Require 25% down payment / Fico 740 above
3.75%  / 1.50 points
3.875%/ 1.00 points
4.00 %/  0.50 points

–KOULA Ward Village–  
Owner Occupied buyers with at least 20% down payment (or 10% with ASB HELOC) / Fico 740 above
2nd Home / Require 20% down payment /  Fico 740 above

KOULA WARD VILLAGE を居住物件で購入、頭金―２０％以上,クレジットスコア７４０以上のお客様に限り下記の金利をご用意しております。FUNDには、限りがありますのでお早目にご連絡下さい。（登記日９/30まで）

2^nd Home & Investment (US Citizen or Green Card holder) at least 25% down payment / Fico 740
4.75 % / 1.75 Points
4.875%/ 1.50 Points
5.00%  / 1.00 Points

Investment/ Require 25% down payment / Fico 740 above
5.00%  / 1.75 Points
5.125%/ 1.50 Points
5.25% /  1.00 Points

–Koa Ridge-  

Owner Occupied buyers with at least 20% down payment / Fico 740 above
4.625 % / 1.625 points
4.75 %   / 1.125 points
4.875%  / 0.625 points
5.00 %   /  0 points

Our Jumbo loan, we can go loan amount up to $2.75 M now.
Jumbo loan, we can do for 10 % down with MI or with 2^nd mortgage as well

弊社のジャンボローン（ローン額$822,376 以上）が、＄２，７５Mまでローンが組めるようになりました。
頭金１０％からでもローンを組むことができます。
金利等のご質問等がございましたらご連絡下さい。

Following rates are for purchase, please contact me for re-financing rate.
Check out our mortgage rates today! https://www.asbhawaii.com/personal/mortgage-rates

ＡＳＢ金利レート：　https://www.asbhawaii.com/personal/mortgage-rates
（毎日、昼１２時頃に更新されます　注意：PURHCASEプライシングです

10 year ARM 3.625% with 2.625 points are also available.

Mortgage rate went up this week as 10 Year Note Yield went above 3% this week (highest since July 20^th 2022).

Historically, the 10 Year Note Yield  reached 15.84% in 1981 as the Fed raised benchmark rates in an effort to contain inflation.
Annual average mortgage rate was 16.63% in 1981
1981 annual inflation rate was 10.32%

July Pending Home Sales fell 1.8% versus the -4% expected and up from -8.9% in June.

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１０年ARM　3.625% with 2.625 points でもご提供しております。

米国10 年債利回りが今週 3% を超えたため（７月２０日以来の３％越え）、住宅金利も上昇。

1981年に、FRB はインフレを抑えるためにベンチマーク レートを引き上げたことから１０年債利回りが市場最高15.84% まで達した。
1981 年の年間平均住宅ローン金利は 16.63%
1981 年の年間インフレ率は 10.32%

7 月の住宅販売は、予想された -4% に対して 1.8% 下落し、6 月の -8.9% から上昇

We have special pricings for developer units only for A’alii & Koula Ward Village & Koula & Koa Ridge
Must record by September 30, 2022 (30 days lock extension available with additional 0.50% points)

–A’alii –   

Owner Occupied buyers with at least 20% down payment( or10% down payment with ASB HELOC)  / Fico 740 above

Developer Units for A’aliiを居住物件で購入、頭金―２０%以上、　クレジットスコア７４０以上のお客様に限り下記の金利をご用意しております。
FUNDには、限りがありますのでお早目にご連絡下さい。（登記日９/30まで）
2^nd Home   0.25 points more
Investment  0.25% more to the ra0te. (Points are the same)

2nd Home / Require 20% down payment /  Fico 740 above
3.50%  / 1.75 points
3.625%/ 1.25 points
3.75 %/  0.75 points

Investment / Require 25% down payment / Fico 740 above
3.75%  / 1.50 points
3.875%/ 1.00 points
4.00 %/  0.50 points

–KOULA Ward Village–  
Owner Occupied buyers with at least 20% down payment (or 10% with ASB HELOC) / Fico 740 above
2nd Home / Require 20% down payment /  Fico 740 above

KOULA WARD VILLAGE を居住物件で購入、頭金―２０％以上,クレジットスコア７４０以上のお客様に限り下記の金利をご用意しております。FUNDには、限りがありますのでお早目にご連絡下さい。（登記日９/30まで）

2^nd Home & Investment (US Citizen or Green Card holder) at least 25% down payment / Fico 740
4.75 % / 1.75 Points
4.875%/ 1.50 Points
5.00%  / 1.00 Points

Investment/ Require 25% down payment / Fico 740 above
5.00%  / 1.75 Points
5.125%/ 1.50 Points
5.25% /  1.00 Points

–Koa Ridge-  

Owner Occupied buyers with at least 20% down payment / Fico 740 above
4.625 % / 1.625 points
4.75 %   / 1.125 points
4.875%  / 0.625 points
5.00 %   /  0 points

Our Jumbo loan, we can go loan amount up to $2.75 M now.
Jumbo loan, we can do for 10 % down with MI or with 2^nd mortgage as well

弊社のジャンボローン（ローン額$822,376 以上）が、＄２，７５Mまでローンが組めるようになりました。
頭金１０％からでもローンを組むことができます。
金利等のご質問等がございましたらご連絡下さい。

Following rates are for purchase, please contact me for re-financing rate.
Check out our mortgage rates today! https://www.asbhawaii.com/personal/mortgage-rates

ＡＳＢ金利レート：　https://www.asbhawaii.com/personal/mortgage-rates
（毎日、昼１２時頃に更新されます　注意：PURHCASEプライシングです

Mortgage rate went up from last week as US 10 year note went up to 2.98%  from 2.84 last week.

July Housing Starts were -9.6 % down from June to an annual rate of 1.446M units versus 1.540M expected. It was the lowest read since February 2021.
Permits were  -1.3% from June to 1.674M units vs 1.650M expected.

The probability for a 50bp hike is 55%, a 75bp hike, 45%.
Next FOMC meeting : September 20-21

———————————————————————————-

米国の 10 年債が先週の金曜日2.84% から 2.98% に上昇したため、住宅ローンの金利も上昇。

7 月の住宅着工件数は、6 月と比較し9.6％減少し 2021年2月以来の最低値だった。
住宅許可は 6 月から1.3%減少

次回のFOMCで50bp の上昇の確率は 55%、75bp の上昇の確率は 45%
次回FOMC：9月20日～21日

We have special pricings for developer units only for A’alii & Koula Ward Village & Koula & Koa Ridge
Must record by September 30, 2022

–A’alii –   

Owner Occupied buyers with at least 20% down payment( or10% down payment with ASB HELOC)  / Fico 740 above

Developer Units for A’aliiを居住物件で購入、頭金―２０%以上、　クレジットスコア７４０以上のお客様に限り下記の金利をご用意しております。
FUNDには、限りがありますのでお早目にご連絡下さい。（登記日９/30まで）
2^nd Home   0.25 points more
Investment  0.25% more to the ra0te. (Points are the same)

2nd Home / Require 20% down payment /  Fico 740 above
3.50%  / 1.75 points
3.625%/ 1.25 points
3.75 %/  0.75 points

Investment / Require 25% down payment / Fico 740 above
3.75%  / 1.50 points
3.875%/ 1.00 points
4.00 %/  0.50 points

–KOULA Ward Village–  
Owner Occupied buyers with at least 20% down payment (or 10% with ASB HELOC) / Fico 740 above
2nd Home / Require 20% down payment /  Fico 740 above

KOULA WARD VILLAGE を居住物件で購入、頭金―２０％以上,クレジットスコア７４０以上のお客様に限り下記の金利をご用意しております。FUNDには、限りがありますのでお早目にご連絡下さい。（登記日９/30まで）

2^nd Home & Investment (US Citizen or Green Card holder) at least 25% down payment / Fico 740
4.75 % / 1.75 Points
4.875%/ 1.50 Points
5.00%  / 1.00 Points

Investment/ Require 25% down payment / Fico 740 above
5.00%  / 1.75 Points
5.125%/ 1.50 Points
5.25% /  1.00 Points

–Koa Ridge-  

Owner Occupied buyers with at least 20% down payment / Fico 740 above
4.625 % / 1.625 points
4.75 %   / 1.125 points
4.875%  / 0.625 points
5.00 %   /  0 points

Our Jumbo loan, we can go loan amount up to $2.75 M now.
Jumbo loan, we can do for 10 % down with MI or with 2^nd mortgage as well

弊社のジャンボローン（ローン額$822,376 以上）が、＄２，７５Mまでローンが組めるようになりました。
頭金１０％からでもローンを組むことができます。
金利等のご質問等がございましたらご連絡下さい。

Following rates are for purchase, please contact me for re-financing rate.
Check out our mortgage rates today! https://www.asbhawaii.com/personal/mortgage-rates

ＡＳＢ金利レート：　https://www.asbhawaii.com/personal/mortgage-rates
（毎日、昼１２時頃に更新されます　注意：PURHCASEプライシングです