미 모기지금리 2배-일본 저금리유지-한국 ‘금리역전'
U.S. mortgage rates doubled - Japan's lo
미국 금리 급상승에 모기지 금리가 두배로 뛰고 일본은 초저금리 유지로 경기부양을 선택하고, 한국은 금리역전 허용에 경기부양으로 기울었다.
미국 금융 시장은 인플레이션을 해결하려는 연방 준비은행의 금리 상승에 주식 시장은 급격 하락했고 모기지 금리는 계속 급등했다.
워싱턴포스트는 이를 “지난해 11월에 가장 인기 있는 주택대출 30년 고정금리 모기지가 겨우 3%에서 이번 주 금리가 5.78%로 2배 급등해 추가 비용이 수십만 달러”라고 17일 밝혔다.
보도는 이어 “미국인들이 지출을 일시 중지하고 주택 시장의 급격한 냉각으로 이어질 수 있으며, 연준의 조치가 올해 또는 내년에 경기 침체 촉진에 도움이 될 수 있다는 우려를 더할 수 있다”고 밝혔다.
요미우리는 17일 “국내 물가는 상승 추세에 있지만 일본은행은 코로나 재난으로 냉각된 경제를 지원할 필요가 있다고 판단했다‘며 ”일본은행이 통화 완화를 계속한다면 금리 인상을 연장한 연준과의 차이가 더욱 뚜렷해질 것“이라고 보도했다.
일본은행은 17일 통화정책회의 결과를 발표하고, 일본 언론들은 대체로 “일본은행이 대규모 통화완화 유지로 결정 예상”이라며 “일본과 해외의 금리 차이 계속 확대될 것이며, 외환시장에서 주요 통화에 대한 엔화의 자체 부과 감가상각 진행 위험이 있다”고 밝혔다.
이창용 한국은행 총재는 16일 ‘한미 금리역전 가능성’ 질의에 "제롬 파월 미 연준 의장이 연말까지 3.4%를 예상하고 있기 때문에 인상 속도가 빠른 것은 사실"이라며 "금리 자체에 중점 두기 보다는 외환, 채권 시장 영향 종합적으로 평가해야 한다"고 ‘저금리 유지, 금리역전’을 밝혔다.
윤석열 대통령은 16일 ‘새 정부 경제정책 방향 발표’에서 “어려울수록, 또 위기에 처할수록 민간 주도, 시장 주도로 우리 경제의 체질을 완전히 바꿔야 한다”며 “기업 경쟁력 훼손하고 기업가 정신을 위축시키는 제도와 규제 과감하게 개선하겠다”고 말해 공화당 레이거노믹스의 ‘세금 인하, 저금리 강화’를 지원했다.
추경호 부총리는 16일 거시경제금융회의에서 “원화의 과도한 변동성에 대해 각별한 경계감을 유지하고 채권시장이 과도하게 반응할 경우 정부의 긴급 바이백(국채 조기 상환), 한은의 국고채 단순 매입 등을 추진하겠다”고 ‘저금리 의존’을 밝혔다.
영국 중앙은행인 영란은행은 15일 기준금리를 1.25%로 0.25%p 올려, 5차례 연속 상승시켰다.
스위스 중앙은행은 15일에 15년 만에 기준 금리를 -0.25%로 0.5%p 올렸다.
미국 주택대출의 30 년 고정 금리 모기지는 이번 주 5.78 %로 뛰어 일주일 전 5.23 %에서 상승하며 1987년 이후 일주일 만에 가장 큰 상승폭이다.
한국은행 17일 '5월 경제전망'에서 "향후 주택매매가격은 정부의 세제 및 대출규제 완화, 재건축·재개발 기대감 등으로 완만한 오름세를 나타낼 것"이라 밝혔다.
미 연준은 40년만에 치솟는 인플레이션을 억제하기 위해 레이거노믹스에 의한 1994년 인플레이션 이후 가장 빠른 속도로 금리를 인상했다.
미국은 금리가 상승하고 주식 시장은 투자자들이 무서운 하락으로 추락하며 퇴직 계좌의 가치가 집중 떨어지고 있다.
미 연준의 파월 의장은 15일 기자회견에서 “집을 사려는 사람이나 집을 사려는 젊은층은 재고 필요 있다. 경기침체 발생시키지 않고 물가상승 억제하는 ‘경제 연착륙’이 힘들어지고 있다”며 “7월에도 연속으로 0.75%p 인상 가능성 크다”고 향후 정책을 명확히 밝혔다.
대만 TSMC가 네덜란드 장비업체 ASML의 차세대 극자외선(EUV) 노광장비인 ‘하이 뉴메리컬어퍼처(NA) EUV’를 2024년 도입할 것이라고 16일 로이터 통신이 보도했다.
삼성은 이재용 부회장이 14일 ASML을 방문해 장비 구입에 나섰고, TSMC에 밀린 것으로 보인다.
네덜란드 ASML은 7㎚이하 초미세 반도체 공정에 필수적인 EUV 노광장비를 독점 생산하며 올해 초 미국 인텔과 계약을 맺고, 일본은 15일 인텔과 IBM 참여로 2nm 생산공장 착수를 발표했다.
삼성전자는 월스트리트저널이 10일 "삼성전자 파운드리 4나노 공정 반도체 수율(합격 비율) 개선이 예상보다 더뎌 칩 공급이 되지 않아 퀄컴과 엔비디아 등 핵심 고객이 TSMC로 주문을 돌렸다"며 기술적 문제 공개하며 주가가 하락했고, 17일 6만원 이하가 됐다.
일본은행은 17일 오후 단기금리 -0.1% 유지와 장기국채 매입의 금융완화 정책 지속을 발표했다.
일본은 4월 소비자물가지수가 전년동기대비 2.1% 상승이고, 한국은 일본과 미국 소비자물가에서 1/3인 자가주거비를 빼고 5.4% 상승으로 일본의 4배 수준이다. kimjc00@hanmail.net
U.S. mortgage rates doubled - Japan's low interest rates - Korea's 'interest rate inversion'
Mortgage rates doubled amid a sharp rise in US interest rates, Japan chose to stimulate the economy by maintaining ultra-low interest rates, and Korea leaned toward stimulus by allowing interest rates to reverse.
In the US financial markets, stock markets fell sharply as the Federal Reserve raised interest rates to tackle inflation, while mortgage rates continued to soar.
The Washington Post reported on the 17th that "the most popular 30-year fixed-rate mortgage on the home loan, the most popular home loan in November, doubled to 5.78% this week from just 3%, costing hundreds of thousands of dollars in additional costs."
"It could lead to a pause in spending by Americans and a sharp cooling of the housing market, adding to concerns that the Fed's actions could help spur a recession this year or next," the report said.
Yomiuri said on the 17th, "Domestic inflation is on an upward trend, but the Bank of Japan has determined that it is necessary to support the economy cooled by the corona disaster." It will become clear.”
The Bank of Japan announced the results of the monetary policy meeting on the 17th, and the Japanese media generally said, "The Bank of Japan is expected to decide to maintain large-scale monetary easing." "The difference in interest rates between Japan and overseas will continue to widen, “There is a risk of proceeding with self-imposed depreciation.”
The Bank of Korea (BOK) announced on the 17th in its 'Economic Outlook for May' that "in the future, housing sales prices will show a modest upward trend due to the government's easing of tax and loan regulations, and expectations for reconstruction and redevelopment."
In response to a question about the possibility of a possible reversal of interest rates in the US and Korea, Bank of Korea Governor Lee Chang-yong said on the 16th, "It is true that the rate of increase is fast because Fed Chairman Jerome Powell expects 3.4% by the end of the year. The impact must be evaluated comprehensively," he said, 'maintaining low interest rates, reversing interest rates'.
President Yoon Seok-yeol, in his 'Announcement of the New Government's Economic Policy Direction' on the 16th, said, "The more difficult and the more we are in crisis, the more we need to completely change the constitution of our economy, led by the private sector and the market." And we will drastically improve regulations,” he said, supporting Republican Reaganomics' 'tax cuts and lower interest rates'.
At a macroeconomic and finance meeting on the 16th, Deputy Prime Minister Choo Kyung-ho said, “We will maintain special vigilance against excessive volatility of the won and promote the government’s emergency buyback (early redemption of government bonds) and simple purchase of government bonds by the BOK if the bond market reacts excessively.” He said that he was “reliant on low interest rates.”
The Bank of England, the central bank of the UK, raised the key interest rate by 0.25 percentage points to 1.25% on the 15th, raising it for the fifth time in a row.
The Swiss central bank raised the benchmark interest rate by 0.5 percentage points on the 15th to -0.25% for the first time in 15 years.
30-year fixed-rate mortgages on U.S. home loans jumped to 5.78% this week, up from 5.23% a week ago, the biggest gain in a week since 1987.
The Fed raised interest rates at the fastest rate since 1994, driven by Reaganomics, to curb rising inflation for the first time in 40 years.
In the US, interest rates are rising, the stock market is crashing in investors' dreadful decline, and the value of retirement accounts is plummeting.
"People who want to buy a house or young people who want to buy a house need to reconsider," Fed Chairman Powell said at a press conference on the 15th. It is becoming increasingly difficult to achieve a ‘soft landing of the economy,’ which suppresses inflation without causing an economic recession,” he said.
Reuters reported on the 16th that Taiwanese TSMC will introduce 'High Numerical Aperture (NA) EUV', the next-generation extreme ultraviolet (EUV) exposure equipment of Dutch equipment maker ASML, in 2024.
Samsung Electronics Vice Chairman Lee Jae-yong visited ASML on the 14th to purchase equipment, and it seems to have been pushed back by TSMC.
ASML in the Netherlands exclusively produces EUV exposure equipment essential for ultra-fine semiconductor processes under 7 nm and signed a contract with Intel in the United States earlier this year.
The Wall Street Journal reported on the 10th that "Samsung Electronics' foundry 4nm process semiconductor yield (pass rate) improvement was slower than expected, so chips were not supplied, so key customers such as Qualcomm and Nvidia turned their orders to TSMC." fell, and it was below 60,000 won on the 17th.
U.S. mortgage rates doubled - Japan's low interest rates - Korea's 'interest rate inversion'
Mortgage rates doubled amid a sharp rise in US interest rates, Japan chose to stimulate the economy by maintaining ultra-low interest rates, and Korea leaned toward stimulus by allowing interest rates to reverse.
In the US financial markets, stock markets fell sharply as the Federal Reserve raised interest rates to tackle inflation, while mortgage rates continued to soar.
The Washington Post reported on the 17th that "the most popular 30-year fixed-rate mortgage on the home loan, the most popular home loan in November, doubled to 5.78% this week from just 3%, costing hundreds of thousands of dollars in additional costs."
"It could lead to a pause in spending by Americans and a sharp cooling of the housing market, adding to concerns that the Fed's actions could help spur a recession this year or next," the report said.
Yomiuri said on the 17th, "Domestic inflation is on an upward trend, but the Bank of Japan has determined that it is necessary to support the economy cooled by the corona disaster." It will become clear.”
The Bank of Japan announced the results of the monetary policy meeting on the 17th, and the Japanese media generally said, "The Bank of Japan is expected to decide to maintain large-scale monetary easing." "The difference in interest rates between Japan and overseas will continue to widen, “There is a risk of proceeding with self-imposed depreciation.”
In response to a question about the possibility of a possible reversal of interest rates in the US and Korea, Bank of Korea Governor Lee Chang-yong said on the 16th, "It is true that the rate of increase is fast because Fed Chairman Jerome Powell expects 3.4% by the end of the year. The impact must be evaluated comprehensively," he said, 'maintaining low interest rates, reversing interest rates'.
President Yoon Seok-yeol, in his 'Announcement of the New Government's Economic Policy Direction' on the 16th, said, "The more difficult and the more we are in crisis, the more we need to completely change the constitution of our economy, led by the private sector and the market." And we will drastically improve regulations,” he said, supporting Republican Reaganomics' 'tax cuts and lower interest rates'.
At a macroeconomic and finance meeting on the 16th, Deputy Prime Minister Choo Kyung-ho said, “We will maintain special vigilance against excessive volatility of the won and promote the government’s emergency buyback (early redemption of government bonds) and simple purchase of government bonds by the BOK if the bond market reacts excessively.” He said that he was “reliant on low interest rates.”
The Bank of England, the central bank of the UK, raised the key interest rate by 0.25 percentage points to 1.25% on the 15th, raising it for the fifth time in a row.
The Swiss central bank raised the benchmark interest rate by 0.5 percentage points on the 15th to -0.25% for the first time in 15 years.
30-year fixed-rate mortgages on U.S. home loans jumped to 5.78% this week, up from 5.23% a week ago, the biggest gain in a week since 1987.
The Fed raised interest rates at the fastest rate since 1994, driven by Reaganomics, to curb rising inflation for the first time in 40 years.
In the US, interest rates are rising, the stock market is crashing in investors' dreadful decline, and the value of retirement accounts is plummeting.
"People who want to buy a house or young people who want to buy a house need to reconsider," Fed Chairman Powell said at a press conference on the 15th. It is becoming increasingly difficult to achieve a ‘soft landing of the economy,’ which suppresses inflation without causing an economic recession,” he said.
Reuters reported on the 16th that Taiwanese TSMC will introduce 'High Numerical Aperture (NA) EUV', the next-generation extreme ultraviolet (EUV) exposure equipment of Dutch equipment maker ASML, in 2024.
Samsung Electronics Vice Chairman Lee Jae-yong visited ASML on the 14th to purchase equipment, and it seems to have been pushed back by TSMC.
ASML in the Netherlands exclusively produces EUV exposure equipment essential for ultra-fine semiconductor processes under 7 nm and signed a contract with Intel in the United States earlier this year.
The Wall Street Journal reported on the 10th that "Samsung Electronics' foundry 4nm process semiconductor yield (pass rate) improvement was slower than expected, so chips were not supplied, so key customers such as Qualcomm and Nvidia turned their orders to TSMC." fell, and it was below 60,000 won on the 17th.
Interest rate reversal, Reaganomics, US mortgage interest rates, semiconductor equipment, Samsung Electronics, Seok-Yeol Woon, Jae-Yong Lee, Chang-Yong Lee, Inflation, Japanese low interest rates
The Bank of Korea (BOK) announced on the 17th in its 'Economic Outlook for May' that "in the future, housing sales prices will show a modest upward trend due to the government's easing of tax and loan regulations, and expectations for reconstruction and redevelopment."
The Bank of Japan announced on the afternoon of the 17th that it would maintain its short-term interest rate of -0.1% and continue its monetary easing policy to purchase long-term government bonds.
Japan's consumer price index rose 2.1% year-on-year in April, and Korea's consumer price index rose 5.4% after subtracting one-third of the cost of living in Japan and the US, which is four times higher than Japan's.
Interest rate reversal, Reaganomics, US mortgage interest rates, semiconductor equipment, Samsung Electronics, Seok-Yeol Woon, Jae-Yong Lee, Chang-Yong Lee, Inflation, Japanese low interest rates
