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Real estate groups urged the Fed to stop rate hikes. Here’s why._我的网站

一 |     央视网消息：4月24日，神舟十八号航天员乘组叶光富、李聪、李广苏在酒泉卫星发射中心问天阁与中外媒体记者见面。    Major housing industry groups voiced "profound concern" in a letter this week urging the Federal Reserve to stop raising interest rates.The rare public admonishment from top business advocates -- including the National Association of Realtors and the National Association of Home Builders -- underscores a dramatic slowdown in the housing market due in large part to rising interest rates.The letter arrives roughly three weeks before the Fed plans to make its latest rate-hike decision.Mortgage rates have reached their highest level in more than two decades and they have continued to rise. Data released on Thursday showed that mortgage rates increased for the fifth consecutive week, according to Freddie Mac."The speed and magnitude of these [mortgage] rate increases, and resulting dislocation in our industry, is painful and unprecedented," the letter from the housing groups said.Here's what to know about why real estate groups called on the Fed to stop raising rates:

What's happening in the housing market?

Sky-high mortgage rates have dramatically slowed the housing market, since homebuyers have balked at stiff borrowing costs and home sellers have opted to stay on mortgages that lock them into relatively low rates.Mortgage applications have fallen to their lowest level since 1996, the Mortgage Brokers Association said earlier this month.Sales of previously owned homes, meanwhile, have plummeted more than 15% compared to a year ago, the National Association of Realtors found in August.The slowdown has coincided with a sharp rise in costs for potential homebuyers.The average interest rate for a 30-year fixed mortgage has climbed to nearly 7.6%, Freddie Mac data shows.When the Fed initiated the rise of bond yields with its first rate hike of the current series in March 2022, the average 30-year fixed mortgage stood at just 4.45%.Each percentage point increase in a mortgage rate can add thousands or tens of thousands in additional costs each year, depending on the price of the house, according to Rocket Mortgage.

What role is the Federal Reserve playing in the housing market slowdown?

An aggressive series of interest rate hikes at the Federal Reserve since last year has pushed up the 10-year Treasury yield, which loosely tracks with long-term mortgage rates.The Fed has fought elevated inflation with borrowing cost increases as it tries to slash price hikes by slowing the economy and choking off demand.While inflation has fallen significantly from a peak of about 9% last summer, price increases remain more than a percentage point higher than the Fed's inflation target.Price increases held steady in September, fresh data on Thursday showed, suggesting that elevated inflation remains resistant to the interest rate hikes.The persistence of elevated inflation has prompted the Fed to espouse a policy of holding interest rates at high levels for a prolonged period, which in turn has increased the 10-year Treasury yield and put upward pressure on mortgage rates.Moreover, the Fed expects to raise rates one more time this year, according to projections released last month.Speaking at a press conference in Washington, D.C., last month, Fed Chair Jerome Powell acknowledged the continued effect of interest rates on mortgages, noting that activity in the housing market "remains well below levels of a year ago, largely reflecting higher mortgage rates."

What do the housing industry groups want the Fed to do?

Housing industry advocates want the Fed to take swift actions that reassure investors and other market participants of an end to the policies cooling the industry.Most notably, the industry groups want the central bank to release a statement saying that it has abandoned consideration of additional rate hikes.In their letter to Fed officials, the housing groups cautioned that a further slowdown in real estate could help tip the U.S. economy into a recession, scuttling the central bank's effort to achieve a "soft landing.""We urge the Fed to take these simple steps to ensure that this sector does not precipitate the hard landing the Fed has tried so hard to avoid," the letter said.。那么，这一次的“太空出差三人组”是如何选拔出来的呢？据中国载人航天工程航天员系统总设计师黄伟芬介绍，神舟十八号乘组的选拔遵循统筹规划、以老带新、新老搭配的基本原则进行。此外，在选拔时还深入全面分析了本次任务的特点，以及任务对航天员身心素质、知识储备和技能等方面的要求。　　黄伟芬称：“我们根据这个任务的特点来确定需要选什么样的航天员。对于神十八任务来讲，因为还是有出舱活动的任务，这个出舱活动的任务对航天员的要求还是很高的。”　　目前任务期已接近尾声的神舟十七号乘组进行了两次出舱任务，他们的主要工作围绕空间站的维护和维修展开，而神舟十八号出舱的主要任务是空间站的防护。黄伟芬介绍，随着空间站在轨运行时间的推移，难免会遇到一些新的问题和情况，因此，航天员的任务会有更多的动态调整。

二 | 　　黄伟芬介绍：“在神十七乘组飞行前，那个时候我们规划的出舱活动的任务和他们飞行中实际实施的出舱活动任务是有所调整的，这是一个常态，未来它也是一个常态。

三 | 我们每次出舱有计划内的出舱，也有可能计划外的临时的新增的出舱活动的任务，所以我们每次任务都是不一样的。”　　针对未来已知和未知的任务，黄伟芬说，神舟十八号乘组的选定正是考虑到这样的新特点。　　黄伟芬表示，神舟十八号乘组是首个“80后”航天员组成的一个乘组，我们叫“80后”乘组，三名男性的航天驾驶员年富力强，很有朝气。他们经过乘组的训练，目前配合非常默契，身心状态各方面都非常好，具备了执行任务的能力。

四 | 　　此外，黄伟芬还介绍，目前我国航天员乘组的选拔策略并不是局限于一次任务选拔一个乘组，而是有长远的统筹性安排。　　黄伟芬称：“所以我们在选拔的时候，不仅要看神舟十八号飞行任务对航天员的要求，我们还得看后续的任务，所以我们要统筹规划、统筹安排，考虑他们和任务的匹配性、他们彼此之间的相容性，但是我们也要统筹规划合理的布局。进入应用发展阶段之后，我们一次是选两个乘组，这是我们在应用与发展阶段的一个选拔策略，这和我们在空间站的建设期一次选出4个乘组的策略是有所调整的。

五 |

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Published on:11:28:55