EY12
2021-12-16
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What the Fed decision means for your wallet, your credit-card bill — and how far will mortgage rates go?<blockquote>美联储的决定对你的钱包、你的信用卡账单意味着什么——抵押贷款利率会走多远？</blockquote>
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The Fed penciled in three rate hikes in 2022, instead of one hike.</p><p><blockquote>美联储周三下午表示，将每月减少 300 亿美元的债券购买，以便在 3 月份而不是 6 月份结束该计划。美联储计划在 2022 年加息三次，而不是一次。</blockquote></p><p> Powell talked about the decision at a Wednesday afternoon press conference, saying the economy was strong enough now to handle the potential steps.</p><p><blockquote>鲍威尔在周三下午的新闻发布会上谈到了这一决定，称经济现在足够强劲，可以应对潜在的措施。</blockquote></p><p> “We understand that our actions affect communities, families and businesses across the country. Everything we do is in service to our public mission. We, at the Fed, will do everything we can to complete the recovery in employment and achieve our price stability goal,” Powell said.</p><p><blockquote>“我们明白，我们的行动会影响到全国各地的社区、家庭和企业。我们所做的一切都是为了服务于我们的公共使命。我们美联储将竭尽全力完成就业复苏，实现物价稳定目标，”鲍威尔说。</blockquote></p><p> New projections from Fed officials foresee the closely-watched federal funds rate climbing 0.9% by the end of next year, to 1.6% by the end of 2023 and 2.1% by the end of 2024.</p><p><blockquote>美联储官员的新预测预计，到明年年底，备受关注的联邦基金利率将上升 0.9%，到 2023 年底升至 1.6%，到 2024 年底升至 2.1%。</blockquote></p><p> In the meantime, some experts say consumers can do their own preparation for the Fed decision: Try to pay off their own credit-card bills as fast as possible now in order to avoid the extra interest rate costs waiting in future.</p><p><blockquote>与此同时，一些专家表示，消费者可以为美联储的决定做好自己的准备：现在尽快还清自己的信用卡账单，以避免未来等待的额外利率成本。</blockquote></p><p> This is because annual percentage rates (APR) on credit cards hinge closely on the rates and targets set by the Fed, experts told MarketWatch.</p><p><blockquote>专家告诉 MarketWatch，这是因为信用卡的年利率 (APR) 与美联储设定的利率和目标密切相关。</blockquote></p><p> Credit-card issuers generally start their calculations on APR by looking at the U.S. prime rate, which is the rate that banks would extend to preferred customers.</p><p><blockquote>信用卡发卡机构通常通过查看美国最优惠利率来开始计算年利率，这是银行向优先客户提供的利率。</blockquote></p><p> When banks determine the prime rate, they are looking at factors including the target level of the federal funds rate. (That’s the interest rate set by the Federal Reserve committee determining what banks charge each other for short-term, overnight loans.)</p><p><blockquote>银行在确定最优惠利率时，会考虑联邦基金利率目标水平等因素。(这是美联储委员会设定的利率，决定了银行对短期隔夜贷款的收费标准）。</blockquote></p><p> Layer on extra lending costs, like the so-called “credit risk” of a potential customer, and that’s essentially the ingredients of a credit card’s APR, said Steve Rick, chief economist at CUNA Mutual Group, which provides insurance products and wealth management services to credit unions.</p><p><blockquote>为信用合作社提供保险产品和财富管理服务的 CUNA Mutual Group 首席经济学家史蒂夫-里克（Steve Rick）说，额外的贷款成本，如潜在客户的所谓 “信用风险”，而这基本上就是信用卡年利率的组成部分。</blockquote></p><p> So when Fed rate hikes zoom into view and then happen, consumers quickly can have their own future rate hikes to absorb. That’s worth knowing during a bustling holiday season amid rising costs.</p><p><blockquote>因此，当美联储加息成为焦点并发生时，消费者可以很快吸收自己未来的加息。在成本上升的繁忙假期，这一点值得了解。</blockquote></p><p> “The best financial move they can make is pay off that credit-card balance,” Rick said.</p><p><blockquote>“里克说：”他们能采取的最好的财务措施就是还清信用卡余额。</blockquote></p><p> If banks “see rate increases on the horizon and they anticipate changes like a taper, you may end seeing rates increase for different types of loans,” said Matt Schulz, LendingTree’s chief credit analyst.</p><p><blockquote>LendingTree 首席信贷分析师马特-舒尔茨（Matt Schulz）说，如果银行 “看到即将加息，并预计会出现缩减利率等变化，那么最终可能会看到不同类型贷款的利率上升”。</blockquote></p><p> “Credit cards are among the most influenced by the Fed because so many credit card interest rates are based on the prime rate,” he said. “If you have credit-card debt now, it would probably be a good idea to assume that your rates are going to go up in the not-too-distant future. If you can put a little more to credit card debt to knock it down, the better off you are.”</p><p><blockquote>“他说：”信用卡是受美联储影响最大的信用卡之一，因为许多信用卡利率都是基于最优惠利率的。“如果你现在有信用卡债务，那么假设你的利率在不久的将来会上升可能是个好主意。如果你能在信用卡债务上多花一点钱来降低它，你的境况就会好得多。”</blockquote></p><p> Mortgage rates are also influenced by the Fed’s actions, noted Robert Frick, corporate economist at Navy Federal Credit Union. “Mortgages rates could rise from about 3% now to 3.7% by the end of 2022, according to a consensus of forecasts,” he said, adding that rates on loans, including credits cards “will increase more or less in lockstep with federal fund rate increases.”</p><p><blockquote>海军联邦信用合作社（Navy Federal Credit Union）的企业经济学家罗伯特-弗里克（Robert Frick）指出，抵押贷款利率也受到美联储行动的影响。“他说：”根据一致的预测，抵押贷款利率可能会从现在的3%左右上升到2022年底的3.7%，并补充说，包括信用卡在内的贷款利率 “将或多或少地与联邦基金利率的上调同步”。</blockquote></p><p> The 30-year fixed mortgage averaged 3.1% for the week ending Dec. 9.</p><p><blockquote>截至 12 月 9 日当周，30 年期固定抵押贷款平均利率为 3.1%。</blockquote></p><p> The rates on savings accounts and CDs will also increase, Frick said — “and if the Fed is successful in driving inflation down, savers could see the interest they earn on accounts finally catch up with inflation.”</p><p><blockquote>弗里克说，储蓄账户和 CD 的利率也将上升--“如果美联储成功压低通胀，储户可能会看到他们从账户中赚取的利息最终赶上通胀”。</blockquote></p><p> But credit-card users could see the rates potentially rise quickly after a rate hike.</p><p><blockquote>但信用卡用户可能会看到加息后利率可能会迅速上升。</blockquote></p><p> Following even a quarter percentage point increase in the fed funds rate, it historically takes credit-card companies one or two months to bring on higher APRs, Schulz said. That’s one or two billing cycles, but, Schulz added, “They could do it the next day.”</p><p><blockquote>舒尔茨表示，联邦基金利率即使上调四分之一个百分点，信用卡公司历史上也需要一两个月的时间才能提高年利率。这是一两个计费周期，但舒尔茨补充说，“他们第二天就可以完成”。</blockquote></p><p> The average APR on all new card offers was 19.55% this month, up from 19.49% in November, according to LendingTree. The maximum APR was 23.21% and the minimum was 15.89%, according to the online platform where people can shop around on credit card offers, car loans and mortgages.</p><p><blockquote>根据 LendingTree 的数据，本月所有新卡优惠的平均年利率为 19.55%，高于 11 月份的 19.49%。根据在线平台的数据，最高年利率为 23.21%，最低年利率为 15.89%，人们可以在该平台上购买信用卡优惠、汽车贷款和抵押贷款。</blockquote></p><p> Suppose a person has a $5,000 balance on their credit card and an APR between 19% and 20%, said Schulz. A single percentage point increase would tack on approximately $70 to $80 to completely pay the owed amount, plus interest, he said.</p><p><blockquote>舒尔茨说，假设一个人的信用卡余额为 5,000 美元，年利率在 19% 到 20% 之间。他说，增加一个百分点将增加大约70到80美元来完全支付所欠金额，外加利息。</blockquote></p><p> That might not sound like a lot to some people, Schulz said. “When you are living paycheck to paycheck, trying to knock that debt really does matter.”</p><p><blockquote>舒尔茨说，对某些人来说，这听起来可能并不多。“当你靠薪水生活时，努力摆脱债务真的很重要”。</blockquote></p><p></p><p> Smaller added costs matter even for financially secure households watching rising prices burn into their disposable income. And the timing on the Fed decision matters too because the closely-watched decision comes during the holiday season.</p><p><blockquote>即使对于经济上有保障的家庭来说，较小的额外成本也很重要，因为他们眼睁睁地看着价格上涨消耗了他们的可支配收入。美联储做出决定的时机也很重要，因为这一备受关注的决定是在假日期间做出的。</blockquote></p><p> Typically, consumers incur “modest” increases in their credit card balances during the second and third quarters, according to Federal Reserve Bank of New York data. Then, balances balloon during the holiday season in the fourth quarter and people pay off the balances in the first quarter, researchers said. Then the cycle repeats itself.</p><p><blockquote>根据纽约联邦储备银行的数据，通常情况下，消费者在第二季度和第三季度的信用卡余额会 “适度 ”增加。研究人员说，然后，在第四季度的假期期间，余额膨胀，人们在第一季度还清余额。然后循环重复。</blockquote></p><p> On this go-round, there could be higher credit card costs waiting for people in 2022 when they are paying off their 2021 holiday spending spree and traveling to make up lost time with friends and family.</p><p><blockquote>在这一轮比赛中，2022 年，当人们偿还 2021 年假期消费狂欢并旅行以弥补与朋友和家人失去的时间时，可能会面临更高的信用卡费用。</blockquote></p><p> Holiday shopping could break records this year and reach $859 billion sales, according to the National Retail Federation.</p><p><blockquote>据全国零售联合会称，今年假日购物可能会打破记录，销售额达到 8590 亿美元。</blockquote></p><p> Americans held roughly $800 billion in credit card debt during the third quarter, the Federal Reserve Bank of New York said. That’s a $17 billion increase from the second quarter, but the balance is still $123 billion lower than pre-pandemic levels at the end of 2019.</p><p><blockquote>纽约联邦储备银行表示，第三季度美国人持有约 8000 亿美元的信用卡债务。这比第二季度增加了 170 亿美元，但余额仍比 2019 年底大流行前的水平低 1230 亿美元。</blockquote></p><p> Fed decisions can also influence the rates on auto loans, where rates are influenced by interest rates on Treasury notes, Rick noted. As of October, the average APR on a five-year auto loan for a new car was 3.89% and 6.12% for a used car, according to Bankrate.com. But some current offers were in the 2.5% range, the site noted.</p><p><blockquote>里克指出，美联储的决定也会影响汽车贷款利率，而汽车贷款利率则受到国库券利率的影响。根据 Bankrate.com 的数据，截至 10 月份，新车五年期汽车贷款的平均年利率为 3.89%，二手车五年期汽车贷款的平均年利率为 6.12%。但该网站指出，目前的一些报价在 2.5% 范围内。</blockquote></p><p> So does that mean people should get a loan now for a new ride? Rick doesn’t think so.</p><p><blockquote>那么，这是否意味着人们现在应该贷款购买新的交通工具呢？里克不这么认为。</blockquote></p><p> For one thing, there’s an inventory problem with cars, like so many other products snarled in the current supply chain woes. Besides, Rick ultimately thinks car prices will fall as supply-chain issues ease. The savings from lower costs will be greater than the added costs of higher interest in his view.</p><p><blockquote>首先，汽车存在库存问题，就像当前供应链困境中的许多其他产品一样。此外，里克最终认为，随着供应链问题的缓解，汽车价格将会下跌。他认为，较低的成本节省将大于较高利息带来的额外成本。</blockquote></p><p> Likewise, Schulz said, “by the time the auto loan rate go up, hopefully we will see auto prices revert a little more to normal and everything balances out.”</p><p><blockquote>同样，舒尔茨说：“当汽车贷款利率上升时，希望我们能看到汽车价格稍微恢复正常，一切都会平衡起来。”</blockquote></p><p> As consumers figure out their next moves, the stock market liked what it heard from Powell on Wednesday. Benchmarks climbed in the afternoon and the Dow Jones Industrial Average DJIA, +1.08%closed up 1.1%, while the S&P 500 SPX, +1.63%finished up 1.6%.</p><p><blockquote>随着消费者决定下一步行动，股市喜欢周三从鲍威尔那里听到的消息。下午基准指数攀升，道琼斯工业平均指数道琼斯上涨1.08%，收盘上涨1.1%，标普500 SPX指数上涨1.63%，收盘上涨1.6%。</blockquote></p><p></p>","source":"lsy1616996754749","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>What the Fed decision means for your wallet, your credit-card bill — and how far will mortgage rates go?<blockquote>美联储的决定对你的钱包、你的信用卡账单意味着什么——抵押贷款利率会走多远？</blockquote></title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 12.5px; color: #7E829C; margin: 0;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nWhat the Fed decision means for your wallet, your credit-card bill — and how far will mortgage rates go?<blockquote>美联储的决定对你的钱包、你的信用卡账单意味着什么——抵押贷款利率会走多远？</blockquote>\n</h2>\n<h4 class=\"meta\">\n<p class=\"head\">\n<strong class=\"h-name small\">market watch</strong><span class=\"h-time small\">2021-12-16 08:44</span>\n</p>\n</h4>\n</header>\n<article>\n<p> All eyes were on Federal Reserve Chairman Jerome Powell as the market digested the news Wednesday on what the central bank will do to keep the economy rebounding from the pandemic while countering the hot inflation that has consumers’ wallets sizzling.</p><p><blockquote>周三，市场消化了美联储主席杰罗姆-鲍威尔（Jerome Powell）的消息，即美联储将采取哪些措施来保持经济从大流行病中反弹，同时应对让消费者钱包滚烫的通胀。</blockquote></p><p> Market observers were betting the Fed will conclude its bond buying — a move to help the economy in the pandemic’s earlier phases — quicker than expected and chart a course for more interest rate hikes.</p><p><blockquote>市场观察人士押注美联储将比预期更快地完成债券购买--此举旨在帮助大流行病早期阶段的经济--并为进一步加息制定路线。</blockquote></p><p> The Fed said Wednesday afternoon it would reduce its bond purchases by $30 billion a month so it could end the program in March, instead of June. The Fed penciled in three rate hikes in 2022, instead of one hike.</p><p><blockquote>美联储周三下午表示，将每月减少 300 亿美元的债券购买，以便在 3 月份而不是 6 月份结束该计划。美联储计划在 2022 年加息三次，而不是一次。</blockquote></p><p> Powell talked about the decision at a Wednesday afternoon press conference, saying the economy was strong enough now to handle the potential steps.</p><p><blockquote>鲍威尔在周三下午的新闻发布会上谈到了这一决定，称经济现在足够强劲，可以应对潜在的措施。</blockquote></p><p> “We understand that our actions affect communities, families and businesses across the country. Everything we do is in service to our public mission. We, at the Fed, will do everything we can to complete the recovery in employment and achieve our price stability goal,” Powell said.</p><p><blockquote>“我们明白，我们的行动会影响到全国各地的社区、家庭和企业。我们所做的一切都是为了服务于我们的公共使命。我们美联储将竭尽全力完成就业复苏，实现物价稳定目标，”鲍威尔说。</blockquote></p><p> New projections from Fed officials foresee the closely-watched federal funds rate climbing 0.9% by the end of next year, to 1.6% by the end of 2023 and 2.1% by the end of 2024.</p><p><blockquote>美联储官员的新预测预计，到明年年底，备受关注的联邦基金利率将上升 0.9%，到 2023 年底升至 1.6%，到 2024 年底升至 2.1%。</blockquote></p><p> In the meantime, some experts say consumers can do their own preparation for the Fed decision: Try to pay off their own credit-card bills as fast as possible now in order to avoid the extra interest rate costs waiting in future.</p><p><blockquote>与此同时，一些专家表示，消费者可以为美联储的决定做好自己的准备：现在尽快还清自己的信用卡账单，以避免未来等待的额外利率成本。</blockquote></p><p> This is because annual percentage rates (APR) on credit cards hinge closely on the rates and targets set by the Fed, experts told MarketWatch.</p><p><blockquote>专家告诉 MarketWatch，这是因为信用卡的年利率 (APR) 与美联储设定的利率和目标密切相关。</blockquote></p><p> Credit-card issuers generally start their calculations on APR by looking at the U.S. prime rate, which is the rate that banks would extend to preferred customers.</p><p><blockquote>信用卡发卡机构通常通过查看美国最优惠利率来开始计算年利率，这是银行向优先客户提供的利率。</blockquote></p><p> When banks determine the prime rate, they are looking at factors including the target level of the federal funds rate. (That’s the interest rate set by the Federal Reserve committee determining what banks charge each other for short-term, overnight loans.)</p><p><blockquote>银行在确定最优惠利率时，会考虑联邦基金利率目标水平等因素。(这是美联储委员会设定的利率，决定了银行对短期隔夜贷款的收费标准）。</blockquote></p><p> Layer on extra lending costs, like the so-called “credit risk” of a potential customer, and that’s essentially the ingredients of a credit card’s APR, said Steve Rick, chief economist at CUNA Mutual Group, which provides insurance products and wealth management services to credit unions.</p><p><blockquote>为信用合作社提供保险产品和财富管理服务的 CUNA Mutual Group 首席经济学家史蒂夫-里克（Steve Rick）说，额外的贷款成本，如潜在客户的所谓 “信用风险”，而这基本上就是信用卡年利率的组成部分。</blockquote></p><p> So when Fed rate hikes zoom into view and then happen, consumers quickly can have their own future rate hikes to absorb. That’s worth knowing during a bustling holiday season amid rising costs.</p><p><blockquote>因此，当美联储加息成为焦点并发生时，消费者可以很快吸收自己未来的加息。在成本上升的繁忙假期，这一点值得了解。</blockquote></p><p> “The best financial move they can make is pay off that credit-card balance,” Rick said.</p><p><blockquote>“里克说：”他们能采取的最好的财务措施就是还清信用卡余额。</blockquote></p><p> If banks “see rate increases on the horizon and they anticipate changes like a taper, you may end seeing rates increase for different types of loans,” said Matt Schulz, LendingTree’s chief credit analyst.</p><p><blockquote>LendingTree 首席信贷分析师马特-舒尔茨（Matt Schulz）说，如果银行 “看到即将加息，并预计会出现缩减利率等变化，那么最终可能会看到不同类型贷款的利率上升”。</blockquote></p><p> “Credit cards are among the most influenced by the Fed because so many credit card interest rates are based on the prime rate,” he said. “If you have credit-card debt now, it would probably be a good idea to assume that your rates are going to go up in the not-too-distant future. If you can put a little more to credit card debt to knock it down, the better off you are.”</p><p><blockquote>“他说：”信用卡是受美联储影响最大的信用卡之一，因为许多信用卡利率都是基于最优惠利率的。“如果你现在有信用卡债务，那么假设你的利率在不久的将来会上升可能是个好主意。如果你能在信用卡债务上多花一点钱来降低它，你的境况就会好得多。”</blockquote></p><p> Mortgage rates are also influenced by the Fed’s actions, noted Robert Frick, corporate economist at Navy Federal Credit Union. “Mortgages rates could rise from about 3% now to 3.7% by the end of 2022, according to a consensus of forecasts,” he said, adding that rates on loans, including credits cards “will increase more or less in lockstep with federal fund rate increases.”</p><p><blockquote>海军联邦信用合作社（Navy Federal Credit Union）的企业经济学家罗伯特-弗里克（Robert Frick）指出，抵押贷款利率也受到美联储行动的影响。“他说：”根据一致的预测，抵押贷款利率可能会从现在的3%左右上升到2022年底的3.7%，并补充说，包括信用卡在内的贷款利率 “将或多或少地与联邦基金利率的上调同步”。</blockquote></p><p> The 30-year fixed mortgage averaged 3.1% for the week ending Dec. 9.</p><p><blockquote>截至 12 月 9 日当周，30 年期固定抵押贷款平均利率为 3.1%。</blockquote></p><p> The rates on savings accounts and CDs will also increase, Frick said — “and if the Fed is successful in driving inflation down, savers could see the interest they earn on accounts finally catch up with inflation.”</p><p><blockquote>弗里克说，储蓄账户和 CD 的利率也将上升--“如果美联储成功压低通胀，储户可能会看到他们从账户中赚取的利息最终赶上通胀”。</blockquote></p><p> But credit-card users could see the rates potentially rise quickly after a rate hike.</p><p><blockquote>但信用卡用户可能会看到加息后利率可能会迅速上升。</blockquote></p><p> Following even a quarter percentage point increase in the fed funds rate, it historically takes credit-card companies one or two months to bring on higher APRs, Schulz said. That’s one or two billing cycles, but, Schulz added, “They could do it the next day.”</p><p><blockquote>舒尔茨表示，联邦基金利率即使上调四分之一个百分点，信用卡公司历史上也需要一两个月的时间才能提高年利率。这是一两个计费周期，但舒尔茨补充说，“他们第二天就可以完成”。</blockquote></p><p> The average APR on all new card offers was 19.55% this month, up from 19.49% in November, according to LendingTree. The maximum APR was 23.21% and the minimum was 15.89%, according to the online platform where people can shop around on credit card offers, car loans and mortgages.</p><p><blockquote>根据 LendingTree 的数据，本月所有新卡优惠的平均年利率为 19.55%，高于 11 月份的 19.49%。根据在线平台的数据，最高年利率为 23.21%，最低年利率为 15.89%，人们可以在该平台上购买信用卡优惠、汽车贷款和抵押贷款。</blockquote></p><p> Suppose a person has a $5,000 balance on their credit card and an APR between 19% and 20%, said Schulz. A single percentage point increase would tack on approximately $70 to $80 to completely pay the owed amount, plus interest, he said.</p><p><blockquote>舒尔茨说，假设一个人的信用卡余额为 5,000 美元，年利率在 19% 到 20% 之间。他说，增加一个百分点将增加大约70到80美元来完全支付所欠金额，外加利息。</blockquote></p><p> That might not sound like a lot to some people, Schulz said. “When you are living paycheck to paycheck, trying to knock that debt really does matter.”</p><p><blockquote>舒尔茨说，对某些人来说，这听起来可能并不多。“当你靠薪水生活时，努力摆脱债务真的很重要”。</blockquote></p><p></p><p> Smaller added costs matter even for financially secure households watching rising prices burn into their disposable income. And the timing on the Fed decision matters too because the closely-watched decision comes during the holiday season.</p><p><blockquote>即使对于经济上有保障的家庭来说，较小的额外成本也很重要，因为他们眼睁睁地看着价格上涨消耗了他们的可支配收入。美联储做出决定的时机也很重要，因为这一备受关注的决定是在假日期间做出的。</blockquote></p><p> Typically, consumers incur “modest” increases in their credit card balances during the second and third quarters, according to Federal Reserve Bank of New York data. Then, balances balloon during the holiday season in the fourth quarter and people pay off the balances in the first quarter, researchers said. Then the cycle repeats itself.</p><p><blockquote>根据纽约联邦储备银行的数据，通常情况下，消费者在第二季度和第三季度的信用卡余额会 “适度 ”增加。研究人员说，然后，在第四季度的假期期间，余额膨胀，人们在第一季度还清余额。然后循环重复。</blockquote></p><p> On this go-round, there could be higher credit card costs waiting for people in 2022 when they are paying off their 2021 holiday spending spree and traveling to make up lost time with friends and family.</p><p><blockquote>在这一轮比赛中，2022 年，当人们偿还 2021 年假期消费狂欢并旅行以弥补与朋友和家人失去的时间时，可能会面临更高的信用卡费用。</blockquote></p><p> Holiday shopping could break records this year and reach $859 billion sales, according to the National Retail Federation.</p><p><blockquote>据全国零售联合会称，今年假日购物可能会打破记录，销售额达到 8590 亿美元。</blockquote></p><p> Americans held roughly $800 billion in credit card debt during the third quarter, the Federal Reserve Bank of New York said. That’s a $17 billion increase from the second quarter, but the balance is still $123 billion lower than pre-pandemic levels at the end of 2019.</p><p><blockquote>纽约联邦储备银行表示，第三季度美国人持有约 8000 亿美元的信用卡债务。这比第二季度增加了 170 亿美元，但余额仍比 2019 年底大流行前的水平低 1230 亿美元。</blockquote></p><p> Fed decisions can also influence the rates on auto loans, where rates are influenced by interest rates on Treasury notes, Rick noted. As of October, the average APR on a five-year auto loan for a new car was 3.89% and 6.12% for a used car, according to Bankrate.com. But some current offers were in the 2.5% range, the site noted.</p><p><blockquote>里克指出，美联储的决定也会影响汽车贷款利率，而汽车贷款利率则受到国库券利率的影响。根据 Bankrate.com 的数据，截至 10 月份，新车五年期汽车贷款的平均年利率为 3.89%，二手车五年期汽车贷款的平均年利率为 6.12%。但该网站指出，目前的一些报价在 2.5% 范围内。</blockquote></p><p> So does that mean people should get a loan now for a new ride? Rick doesn’t think so.</p><p><blockquote>那么，这是否意味着人们现在应该贷款购买新的交通工具呢？里克不这么认为。</blockquote></p><p> For one thing, there’s an inventory problem with cars, like so many other products snarled in the current supply chain woes. Besides, Rick ultimately thinks car prices will fall as supply-chain issues ease. The savings from lower costs will be greater than the added costs of higher interest in his view.</p><p><blockquote>首先，汽车存在库存问题，就像当前供应链困境中的许多其他产品一样。此外，里克最终认为，随着供应链问题的缓解，汽车价格将会下跌。他认为，较低的成本节省将大于较高利息带来的额外成本。</blockquote></p><p> Likewise, Schulz said, “by the time the auto loan rate go up, hopefully we will see auto prices revert a little more to normal and everything balances out.”</p><p><blockquote>同样，舒尔茨说：“当汽车贷款利率上升时，希望我们能看到汽车价格稍微恢复正常，一切都会平衡起来。”</blockquote></p><p> As consumers figure out their next moves, the stock market liked what it heard from Powell on Wednesday. Benchmarks climbed in the afternoon and the Dow Jones Industrial Average DJIA, +1.08%closed up 1.1%, while the S&P 500 SPX, +1.63%finished up 1.6%.</p><p><blockquote>随着消费者决定下一步行动，股市喜欢周三从鲍威尔那里听到的消息。下午基准指数攀升，道琼斯工业平均指数道琼斯上涨1.08%，收盘上涨1.1%，标普500 SPX指数上涨1.63%，收盘上涨1.6%。</blockquote></p><p></p>\n<div class=\"bt-text\">\n\n\n<p> 来源：<a href=\"https://www.marketwatch.com/story/what-the-fed-decision-means-for-your-wallet-and-your-credit-card-bill-11639595377?mod=newsviewer_click\">market watch</a></p>\n<p>为提升您的阅读体验，我们对本页面进行了排版优化</p>\n\n\n</div>\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{".IXIC":"NASDAQ Composite",".DJI":"道琼斯",".SPX":"S&P 500 Index"},"source_url":"https://www.marketwatch.com/story/what-the-fed-decision-means-for-your-wallet-and-your-credit-card-bill-11639595377?mod=newsviewer_click","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1115910347","content_text":"All eyes were on Federal Reserve Chairman Jerome Powell as the market digested the news Wednesday on what the central bank will do to keep the economy rebounding from the pandemic while countering the hot inflation that has consumers’ wallets sizzling.\n\nMarket observers were betting the Fed will conclude its bond buying — a move to help the economy in the pandemic’s earlier phases — quicker than expected and chart a course for more interest rate hikes.\n\n\nThe Fed said Wednesday afternoon it would reduce its bond purchases by $30 billion a month so it could end the program in March, instead of June. The Fed penciled in three rate hikes in 2022, instead of one hike.\n\nPowell talked about the decision at a Wednesday afternoon press conference, saying the economy was strong enough now to handle the potential steps.\n\n“We understand that our actions affect communities, families and businesses across the country. Everything we do is in service to our public mission. We, at the Fed, will do everything we can to complete the recovery in employment and achieve our price stability goal,” Powell said.\n\nNew projections from Fed officials foresee the closely-watched federal funds rate climbing 0.9% by the end of next year, to 1.6% by the end of 2023 and 2.1% by the end of 2024.\n\nIn the meantime, some experts say consumers can do their own preparation for the Fed decision: Try to pay off their own credit-card bills as fast as possible now in order to avoid the extra interest rate costs waiting in future.\n\nThis is because annual percentage rates (APR) on credit cards hinge closely on the rates and targets set by the Fed, experts told MarketWatch.\n\nCredit-card issuers generally start their calculations on APR by looking at the U.S. prime rate, which is the rate that banks would extend to preferred customers.\n\nWhen banks determine the prime rate, they are looking at factors including the target level of the federal funds rate. (That’s the interest rate set by the Federal Reserve committee determining what banks charge each other for short-term, overnight loans.)\n\n\nLayer on extra lending costs, like the so-called “credit risk” of a potential customer, and that’s essentially the ingredients of a credit card’s APR, said Steve Rick, chief economist at CUNA Mutual Group, which provides insurance products and wealth management services to credit unions.\n\nSo when Fed rate hikes zoom into view and then happen, consumers quickly can have their own future rate hikes to absorb. That’s worth knowing during a bustling holiday season amid rising costs.\n\n“The best financial move they can make is pay off that credit-card balance,” Rick said.\n\nIf banks “see rate increases on the horizon and they anticipate changes like a taper, you may end seeing rates increase for different types of loans,” said Matt Schulz, LendingTree’s chief credit analyst.\n\n“Credit cards are among the most influenced by the Fed because so many credit card interest rates are based on the prime rate,” he said. “If you have credit-card debt now, it would probably be a good idea to assume that your rates are going to go up in the not-too-distant future. If you can put a little more to credit card debt to knock it down, the better off you are.”\n\nMortgage rates are also influenced by the Fed’s actions, noted Robert Frick, corporate economist at Navy Federal Credit Union. “Mortgages rates could rise from about 3% now to 3.7% by the end of 2022, according to a consensus of forecasts,” he said, adding that rates on loans, including credits cards “will increase more or less in lockstep with federal fund rate increases.”\n\nThe 30-year fixed mortgage averaged 3.1% for the week ending Dec. 9.\n\nThe rates on savings accounts and CDs will also increase, Frick said — “and if the Fed is successful in driving inflation down, savers could see the interest they earn on accounts finally catch up with inflation.”\n\nBut credit-card users could see the rates potentially rise quickly after a rate hike.\n\nFollowing even a quarter percentage point increase in the fed funds rate, it historically takes credit-card companies one or two months to bring on higher APRs, Schulz said. That’s one or two billing cycles, but, Schulz added, “They could do it the next day.”\n\nThe average APR on all new card offers was 19.55% this month, up from 19.49% in November, according to LendingTree. The maximum APR was 23.21% and the minimum was 15.89%, according to the online platform where people can shop around on credit card offers, car loans and mortgages.\n\nSuppose a person has a $5,000 balance on their credit card and an APR between 19% and 20%, said Schulz. A single percentage point increase would tack on approximately $70 to $80 to completely pay the owed amount, plus interest, he said.\n\nThat might not sound like a lot to some people, Schulz said. “When you are living paycheck to paycheck, trying to knock that debt really does matter.”\n\nSmaller added costs matter even for financially secure households watching rising prices burn into their disposable income. And the timing on the Fed decision matters too because the closely-watched decision comes during the holiday season.\n\nTypically, consumers incur “modest” increases in their credit card balances during the second and third quarters, according to Federal Reserve Bank of New York data. Then, balances balloon during the holiday season in the fourth quarter and people pay off the balances in the first quarter, researchers said. Then the cycle repeats itself.\n\nOn this go-round, there could be higher credit card costs waiting for people in 2022 when they are paying off their 2021 holiday spending spree and traveling to make up lost time with friends and family.\n\nHoliday shopping could break records this year and reach $859 billion sales, according to the National Retail Federation.\n\nAmericans held roughly $800 billion in credit card debt during the third quarter, the Federal Reserve Bank of New York said. That’s a $17 billion increase from the second quarter, but the balance is still $123 billion lower than pre-pandemic levels at the end of 2019.\n\nFed decisions can also influence the rates on auto loans, where rates are influenced by interest rates on Treasury notes, Rick noted. As of October, the average APR on a five-year auto loan for a new car was 3.89% and 6.12% for a used car, according to Bankrate.com. But some current offers were in the 2.5% range, the site noted.\n\nSo does that mean people should get a loan now for a new ride? Rick doesn’t think so.\n\nFor one thing, there’s an inventory problem with cars, like so many other products snarled in the current supply chain woes. Besides, Rick ultimately thinks car prices will fall as supply-chain issues ease. The savings from lower costs will be greater than the added costs of higher interest in his view.\n\nLikewise, Schulz said, “by the time the auto loan rate go up, hopefully we will see auto prices revert a little more to normal and everything balances out.”\n\nAs consumers figure out their next moves, the stock market liked what it heard from Powell on Wednesday. Benchmarks climbed in the afternoon and the Dow Jones Industrial Average DJIA, +1.08%closed up 1.1%, while the S&P 500 SPX, +1.63%finished up 1.6%.","news_type":1,"symbols_score_info":{".DJI":0.9,".IXIC":0.9,".SPX":0.9}},"isVote":1,"tweetType":1,"viewCount":1115,"commentLimit":10,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"symbols":[],"verified":2,"subType":0,"readableState":1,"langContent":"CN","currentLanguage":"CN","warmUpFlag":false,"orderFlag":false,"shareable":true,"causeOfNotShareable":"","featuresForAnalytics":[],"commentAndTweetFlag":false,"andRepostAutoSelectedFlag":false,"upFlag":false,"length":2,"subscribersOnly":false,"subscribersOnlyAccessible":false,"xxTargetLangEnum":"ZH_CN"},"commentList":[],"isCommentEnd":true,"isTiger":false,"isWeiXinMini":false,"url":"/m/post/690930825"}
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