{"id":61367,"date":"2025-10-29T03:00:18","date_gmt":"2025-10-29T02:00:18","guid":{"rendered":"https:\/\/housesmarketplace.com\/fed-prepares-to-pivot-balance-sheet-with-potential-ripple-effects-for-mortgages\/"},"modified":"2025-10-29T03:00:18","modified_gmt":"2025-10-29T02:00:18","slug":"fed-prepares-to-pivot-balance-sheet-with-potential-ripple-effects-for-mortgages","status":"publish","type":"post","link":"https:\/\/housesmarketplace.com\/ru\/fed-prepares-to-pivot-balance-sheet-with-potential-ripple-effects-for-mortgages\/","title":{"rendered":"\u0424\u0420\u0421 \u0433\u043e\u0442\u043e\u0432\u0438\u0442\u0441\u044f \u0438\u0437\u043c\u0435\u043d\u0438\u0442\u044c \u0431\u0430\u043b\u0430\u043d\u0441, \u0447\u0442\u043e \u043c\u043e\u0436\u0435\u0442 \u0438\u043c\u0435\u0442\u044c \u0440\u0435\u0437\u043e\u043d\u0430\u043d\u0441\u043d\u044b\u0435 \u043f\u043e\u0441\u043b\u0435\u0434\u0441\u0442\u0432\u0438\u044f \u0434\u043b\u044f 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\u0443\u0436\u0435\u0441\u0442\u043e\u0447\u0435\u043d\u0438\u044f (QT) \u2014 \u0448\u0430\u0433, \u043a\u043e\u0442\u043e\u0440\u044b\u0439 \u043c\u043e\u0436\u0435\u0442 \u0438\u043c\u0435\u0442\u044c \u0434\u0430\u043b\u0435\u043a\u043e \u0438\u0434\u0443\u0449\u0438\u0435 \u043f\u043e\u0441\u043b\u0435\u0434\u0441\u0442\u0432\u0438\u044f \u0434\u043b\u044f \u0438\u043f\u043e\u0442\u0435\u0447\u043d\u043e\u0439 \u043e\u0442\u0440\u0430\u0441\u043b\u0438.<\/p>\n<p>\u0417\u0430 \u043f\u043e\u0441\u043b\u0435\u0434\u043d\u0438\u0435 \u043d\u0435\u0441\u043a\u043e\u043b\u044c\u043a\u043e \u043d\u0435\u0434\u0435\u043b\u044c \u043f\u0440\u0435\u0434\u0441\u0442\u0430\u0432\u0438\u0442\u0435\u043b\u0438 \u0446\u0435\u043d\u0442\u0440\u043e\u0431\u0430\u043d\u043a\u0430 \u0434\u0430\u043b\u0438 \u043f\u043e\u043d\u044f\u0442\u044c, \u0447\u0442\u043e \u0433\u043e\u0442\u043e\u0432\u044b \u0441\u0432\u0435\u0440\u043d\u0443\u0442\u044c \u043f\u043e\u043b\u0438\u0442\u0438\u043a\u0443, \u043d\u0430\u043f\u0440\u0430\u0432\u043b\u0435\u043d\u043d\u0443\u044e \u043d\u0430 \u0441\u043e\u043a\u0440\u0430\u0449\u0435\u043d\u0438\u0435 \u0431\u0430\u043b\u0430\u043d\u0441\u0430 \u0424\u0420\u0421, \u0447\u0442\u043e \u043f\u043e\u0440\u043e\u0434\u0438\u043b\u043e \u043e\u0436\u0438\u0434\u0430\u043d\u0438\u044f, \u0447\u0442\u043e \u0437\u0430\u044f\u0432\u043b\u0435\u043d\u0438\u0435 \u0431\u0443\u0434\u0435\u0442 \u0441\u0434\u0435\u043b\u0430\u043d\u043e \u0443\u0436\u0435 \u0432 \u0441\u0440\u0435\u0434\u0443. <\/p>\n<p>\u0420\u0430\u043d\u0435\u0435 \u0432 \u044d\u0442\u043e\u043c \u043c\u0435\u0441\u044f\u0446\u0435 \u043f\u0440\u0435\u0434\u0441\u0435\u0434\u0430\u0442\u0435\u043b\u044c \u0424\u0420\u0421 <a href=\"https:\/\/www.housingwire.com\/articles\/will-the-fed-ruin-the-lowest-mortgage-rates-of-2025\/\">\u0414\u0436\u0435\u0440\u043e\u043c \u041f\u0430\u0443\u044d\u043b\u043b<\/a> \u0437\u0430\u044f\u0432\u0438\u043b\u0438, \u0447\u0442\u043e \u0441\u0432\u043e\u0440\u0430\u0447\u0438\u0432\u0430\u043d\u0438\u0435 QT \u043c\u043e\u0436\u0435\u0442 \u043f\u0440\u043e\u0438\u0437\u043e\u0439\u0442\u0438 \u00ab\u0432 \u0431\u043b\u0438\u0436\u0430\u0439\u0448\u0438\u0435 \u043c\u0435\u0441\u044f\u0446\u044b\u00bb, \u0432 \u0442\u043e \u0432\u0440\u0435\u043c\u044f \u043a\u0430\u043a \u0434\u0440\u0443\u0433\u0438\u0435 \u043e\u0444\u0438\u0446\u0438\u0430\u043b\u044c\u043d\u044b\u0435 \u043b\u0438\u0446\u0430 \u0438\u0437\u043c\u0435\u043d\u0438\u043b\u0438 \u0441\u0432\u043e\u044e \u0444\u043e\u0440\u043c\u0443\u043b\u0438\u0440\u043e\u0432\u043a\u0443, \u043e\u043f\u0438\u0441\u044b\u0432\u0430\u044f \u0440\u0435\u0437\u0435\u0440\u0432\u044b \u043d\u0435 \u043a\u0430\u043a \u00ab\u0438\u0437\u043e\u0431\u0438\u043b\u044c\u043d\u044b\u0435\u00bb, \u0430 \u043a\u0430\u043a \u00ab\u0434\u043e\u0441\u0442\u0430\u0442\u043e\u0447\u043d\u044b\u0435\u00bb.<\/p>\n<p>\u0411\u0430\u043b\u0430\u043d\u0441 \u0424\u0420\u0421 \u0437\u043d\u0430\u0447\u0438\u0442\u0435\u043b\u044c\u043d\u043e \u0432\u044b\u0440\u043e\u0441 \u0437\u0430 \u043f\u043e\u0441\u043b\u0435\u0434\u043d\u0435\u0435 \u0434\u0435\u0441\u044f\u0442\u0438\u043b\u0435\u0442\u0438\u0435, \u0443\u0434\u0432\u043e\u0438\u0432\u0448\u0438\u0441\u044c \u0441 \u043f\u0440\u0438\u043c\u0435\u0440\u043d\u043e $2,2 \u0442\u0440\u043b\u043d \u0432 2008 \u0433. \u0434\u043e $4,2 \u0442\u0440\u043b\u043d \u0432 2020 \u0433., \u043a\u0430\u043a \u0440\u0430\u0437 \u043f\u0435\u0440\u0435\u0434 \u043f\u0430\u043d\u0434\u0435\u043c\u0438\u0435\u0439 COVID-19. <\/p>\n<p>\u041e\u043d \u0434\u043e\u0441\u0442\u0438\u0433 \u043f\u0438\u043a\u0430 \u043e\u043a\u043e\u043b\u043e $9 \u0442\u0440\u0438\u043b\u043b\u0438\u043e\u043d\u043e\u0432 \u0432 2022 \u0433\u043e\u0434\u0443, \u043a\u043e\u0433\u0434\u0430 \u043d\u0430\u0447\u0430\u043b\u043e\u0441\u044c QT, \u043d\u043e \u0441 \u0442\u0435\u0445 \u043f\u043e\u0440 \u0441\u043d\u0438\u0437\u0438\u043b\u0441\u044f \u0434\u043e <a href=\"https:\/\/www.federalreserve.gov\/newsevents\/speech\/powell20251014a.htm\">$6,5 \u0442\u0440\u0438\u043b\u043b\u0438\u043e\u043d\u0430<\/a> \u2014 \u0441\u043e\u0441\u0442\u043e\u044f\u0449\u0438\u0439 \u043f\u0440\u0438\u043c\u0435\u0440\u043d\u043e \u0438\u0437 $4.2 \u0442\u0440\u0438\u043b\u043b\u0438\u043e\u043d\u0430 \u043a\u0430\u0437\u043d\u0430\u0447\u0435\u0439\u0441\u043a\u0438\u0445 \u0446\u0435\u043d\u043d\u044b\u0445 \u0431\u0443\u043c\u0430\u0433 \u0438 $2.1 \u0442\u0440\u0438\u043b\u043b\u0438\u043e\u043d\u0430 <a href=\"https:\/\/www.housingwire.com\/articles\/gse-buy-mbs-lower-mortgage-rates\/\">\u0438\u043f\u043e\u0442\u0435\u0447\u043d\u044b\u0435 \u0446\u0435\u043d\u043d\u044b\u0435 \u0431\u0443\u043c\u0430\u0433\u0438<\/a> (\u041c\u0411\u0421).<\/p>\n<p>\u041e\u0441\u0442\u0430\u044e\u0442\u0441\u044f \u0432\u043e\u043f\u0440\u043e\u0441\u044b \u043e \u0442\u043e\u043c, \u043a\u0430\u043a \u0424\u0420\u0421 \u0431\u0443\u0434\u0435\u0442 \u0441\u043f\u0440\u0430\u0432\u043b\u044f\u0442\u044c\u0441\u044f \u0441 \u043e\u043a\u043e\u043d\u0447\u0430\u043d\u0438\u0435\u043c \u043f\u0440\u043e\u0433\u0440\u0430\u043c\u043c\u044b \u043a\u043e\u043b\u0438\u0447\u0435\u0441\u0442\u0432\u0435\u043d\u043d\u043e\u0433\u043e \u0441\u043e\u043a\u0440\u0430\u0449\u0435\u043d\u0438\u044f. \u041f\u0440\u0435\u043e\u0431\u043b\u0430\u0434\u0430\u0435\u0442 \u043c\u043d\u0435\u043d\u0438\u0435, \u0447\u0442\u043e \u0446\u0435\u043d\u0442\u0440\u0430\u043b\u044c\u043d\u044b\u0439 \u0431\u0430\u043d\u043a \u0431\u0443\u0434\u0435\u0442 \u0438\u0441\u043f\u043e\u043b\u044c\u0437\u043e\u0432\u0430\u0442\u044c \u0438\u043f\u043e\u0442\u0435\u0447\u043d\u044b\u0435 \u0432\u044b\u043f\u043b\u0430\u0442\u044b \u0434\u043b\u044f \u0440\u0435\u0438\u043d\u0432\u0435\u0441\u0442\u0438\u0440\u043e\u0432\u0430\u043d\u0438\u044f, \u0432 \u043f\u0435\u0440\u0432\u0443\u044e \u043e\u0447\u0435\u0440\u0435\u0434\u044c \u2014 \u0435\u0441\u043b\u0438 \u043d\u0435 \u043f\u043e\u043b\u043d\u043e\u0441\u0442\u044c\u044e \u2014 \u0432 \u043a\u0440\u0430\u0442\u043a\u043e\u0441\u0440\u043e\u0447\u043d\u044b\u0435 \u043a\u0430\u0437\u043d\u0430\u0447\u0435\u0439\u0441\u043a\u0438\u0435 \u043e\u0431\u043b\u0438\u0433\u0430\u0446\u0438\u0438.<\/p>\n<p>\u00ab\u041d\u0430\u0448 \u0432\u043d\u0443\u0442\u0440\u0435\u043d\u043d\u0438\u0439 \u043f\u0440\u043e\u0433\u043d\u043e\u0437 \u0437\u0430\u043a\u043b\u044e\u0447\u0430\u0435\u0442\u0441\u044f \u0432 \u0442\u043e\u043c, \u0447\u0442\u043e \u043e\u043d\u0438 \u0432\u043e\u0437\u044c\u043c\u0443\u0442 \u0432\u044b\u043f\u043b\u0430\u0442\u044b \u043f\u043e \u0438\u043f\u043e\u0442\u0435\u0447\u043d\u044b\u043c \u0446\u0435\u043d\u043d\u044b\u043c \u0431\u0443\u043c\u0430\u0433\u0430\u043c, \u043a\u043e\u0442\u043e\u0440\u044b\u0435 \u0441\u043e\u0441\u0442\u0430\u0432\u043b\u044f\u044e\u0442 \u043f\u0440\u0438\u043c\u0435\u0440\u043d\u043e 1416 \u043c\u043b\u0440\u0434 \u0432 \u043c\u0435\u0441\u044f\u0446, \u0438 \u0440\u0435\u0438\u043d\u0432\u0435\u0441\u0442\u0438\u0440\u0443\u044e\u0442 \u0438\u0445 \u0432 \u043a\u0430\u0437\u043d\u0430\u0447\u0435\u0439\u0441\u043a\u0438\u0435 \u0432\u0435\u043a\u0441\u0435\u043b\u044f\u00bb, \u2014 \u0441\u043a\u0430\u0437\u0430\u043b\u0430 \u0414\u0436\u0438\u043d\u0430 \u041a\u0443\u0440\u0440\u043e, \u0443\u043f\u0440\u0430\u0432\u043b\u044f\u044e\u0449\u0438\u0439 \u0434\u0438\u0440\u0435\u043a\u0442\u043e\u0440 \u0438 \u0440\u0443\u043a\u043e\u0432\u043e\u0434\u0438\u0442\u0435\u043b\u044c \u043e\u0442\u0434\u0435\u043b\u0430 \u0438\u0441\u0441\u043b\u0435\u0434\u043e\u0432\u0430\u043d\u0438\u0439 \u0438\u043f\u043e\u0442\u0435\u0447\u043d\u044b\u0445 \u0446\u0435\u043d\u043d\u044b\u0445 \u0431\u0443\u043c\u0430\u0433 \u0430\u0433\u0435\u043d\u0442\u0441\u0442\u0432\u0430 <strong><a href=\"https:\/\/www.housingwire.com\/tag\/bank-of-america\/\">\u0411\u0430\u043d\u043a \u0410\u043c\u0435\u0440\u0438\u043a\u0438<\/a><\/strong>\u00ab\u042d\u0442\u043e \u0432\u043e \u043c\u043d\u043e\u0433\u043e\u043c \u0441\u043e\u043e\u0442\u0432\u0435\u0442\u0441\u0442\u0432\u0443\u0435\u0442 \u0440\u0438\u0442\u043e\u0440\u0438\u043a\u0435 \u043d\u044b\u043d\u0435\u0448\u043d\u0435\u0439 \u0424\u0420\u0421. \u041e\u043d\u0438 \u0437\u0430\u044f\u0432\u0438\u043b\u0438, \u0447\u0442\u043e \u0432 \u0438\u0434\u0435\u0430\u043b\u0435 \u0445\u043e\u0442\u044f\u0442 \u0438\u043c\u0435\u0442\u044c \u043f\u043e\u0440\u0442\u0444\u0435\u043b\u044c, \u0441\u043e\u0441\u0442\u043e\u044f\u0449\u0438\u0439 \u0438\u0441\u043a\u043b\u044e\u0447\u0438\u0442\u0435\u043b\u044c\u043d\u043e \u0438\u0437 \u043a\u0430\u0437\u043d\u0430\u0447\u0435\u0439\u0441\u043a\u0438\u0445 \u043e\u0431\u043b\u0438\u0433\u0430\u0446\u0438\u0439\u00bb.<\/p>\n<p>\u0410\u043d\u0430\u043b\u0438\u0442\u0438\u043a\u0438 Bank of America \u043e\u0436\u0438\u0434\u0430\u044e\u0442, \u0447\u0442\u043e \u0424\u0420\u0421 \u043e\u0431\u044a\u044f\u0432\u0438\u0442 \u043e\u0431 \u043e\u043a\u043e\u043d\u0447\u0430\u043d\u0438\u0438 \u043f\u0440\u043e\u0433\u0440\u0430\u043c\u043c\u044b \u043a\u043e\u043b\u0438\u0447\u0435\u0441\u0442\u0432\u0435\u043d\u043d\u043e\u0433\u043e \u0441\u043e\u043a\u0440\u0430\u0449\u0435\u043d\u0438\u044f \u0432 \u0441\u0440\u0435\u0434\u0443, \u0447\u0442\u043e \u043f\u043e\u0437\u0432\u043e\u043b\u0438\u0442 \u043d\u0430\u0447\u0430\u0442\u044c \u043f\u0435\u0440\u0435\u0445\u043e\u0434 \u043a \u043a\u043e\u043d\u0446\u0443 \u043e\u043a\u0442\u044f\u0431\u0440\u044f. \u041f\u0435\u0440\u0435\u0440\u0430\u0441\u043f\u0440\u0435\u0434\u0435\u043b\u0435\u043d\u0438\u0435 \u0441\u0440\u0435\u0434\u0441\u0442\u0432 \u043e\u0442 \u0438\u043f\u043e\u0442\u0435\u0447\u043d\u044b\u0445 \u0446\u0435\u043d\u043d\u044b\u0445 \u0431\u0443\u043c\u0430\u0433 \u043a 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\u0437\u043d\u0430\u0447\u0438\u0442\u0435\u043b\u044c\u043d\u043e\u0439 \u0441\u0442\u0435\u043f\u0435\u043d\u0438 \u0437\u0430\u043b\u043e\u0436\u0435\u043d\u043e \u0432 \u0446\u0435\u043d\u0430\u0445\u00bb.<\/p>\n<p>\u0412 \u0441\u0435\u043a\u0442\u043e\u0440\u0435 \u0438\u043f\u043e\u0442\u0435\u0447\u043d\u043e\u0433\u043e \u043a\u0440\u0435\u0434\u0438\u0442\u043e\u0432\u0430\u043d\u0438\u044f \u0440\u0443\u043a\u043e\u0432\u043e\u0434\u0438\u0442\u0435\u043b\u0438 \u0432\u0442\u043e\u0440\u0438\u0447\u043d\u043e\u0433\u043e \u0440\u044b\u043d\u043a\u0430 \u043e\u0436\u0438\u0434\u0430\u044e\u0442 \u043f\u043e\u043b\u043e\u0436\u0438\u0442\u0435\u043b\u044c\u043d\u043e\u0433\u043e \u0432\u043b\u0438\u044f\u043d\u0438\u044f, \u0432 \u043e\u0441\u043d\u043e\u0432\u043d\u043e\u043c \u0437\u0430 \u0441\u0447\u0451\u0442 \u0441\u043d\u0438\u0436\u0435\u043d\u0438\u044f \u0434\u043e\u0445\u043e\u0434\u043d\u043e\u0441\u0442\u0438 10-\u043b\u0435\u0442\u043d\u0438\u0445 \u043a\u0430\u0437\u043d\u0430\u0447\u0435\u0439\u0441\u043a\u0438\u0445 \u043e\u0431\u043b\u0438\u0433\u0430\u0446\u0438\u0439. \u041e\u043d\u0438, \u043a\u0430\u043a \u043f\u0440\u0430\u0432\u0438\u043b\u043e, \u0434\u0432\u0438\u0436\u0443\u0442\u0441\u044f \u0432 \u0443\u043d\u0438\u0441\u043e\u043d \u0441 <a href=\"https:\/\/www.housingwire.com\/articles\/mortgage-rates-drop-driving-housing-activity\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u0421\u0442\u0430\u0432\u043a\u0438 \u043f\u043e 30-\u043b\u0435\u0442\u043d\u0435\u0439 \u0438\u043f\u043e\u0442\u0435\u043a\u0435<\/a> \u0432\u0432\u0438\u0434\u0443 \u0438\u0445 \u0441\u0445\u043e\u0436\u0435\u0433\u043e \u0434\u043e\u043b\u0433\u043e\u0441\u0440\u043e\u0447\u043d\u043e\u0433\u043e \u0445\u0430\u0440\u0430\u043a\u0442\u0435\u0440\u0430.<\/p>\n<p>\u00ab\u042f \u0434\u0435\u0439\u0441\u0442\u0432\u0438\u0442\u0435\u043b\u044c\u043d\u043e \u0432\u0435\u0440\u044e, \u0447\u0442\u043e \u044d\u0442\u043e \u0431\u0443\u0434\u0435\u0442 \u043f\u0440\u0438\u043b\u0438\u0432, \u043a\u043e\u0442\u043e\u0440\u044b\u0439 \u043f\u043e\u0434\u043d\u0438\u043c\u0435\u0442 \u0432\u0441\u0435 \u043b\u043e\u0434\u043a\u0438\u00bb, \u2014 \u0441\u043a\u0430\u0437\u0430\u043b \u0421\u043a\u043e\u0442\u0442 \u0424\u0435\u0440\u0440\u0435\u043b\u043b, \u0438\u0441\u043f\u043e\u043b\u043d\u0438\u0442\u0435\u043b\u044c\u043d\u044b\u0439 \u0432\u0438\u0446\u0435-\u043f\u0440\u0435\u0437\u0438\u0434\u0435\u043d\u0442 \u0438 \u0434\u0438\u0440\u0435\u043a\u0442\u043e\u0440 \u043f\u043e \u0440\u044b\u043d\u043a\u0430\u043c \u043a\u0430\u043f\u0438\u0442\u0430\u043b\u0430 <strong><a href=\"https:\/\/www.housingwire.com\/articles\/anniemac-home-mortgage-acquires-florida-funding\/\">\u0418\u043f\u043e\u0442\u0435\u043a\u0430 \u043d\u0430 \u0434\u043e\u043c AnnieMac<\/a><\/strong>. <\/p>\n<p>\u00ab\u0418\u043f\u043e\u0442\u0435\u043a\u0430 \u0434\u043e\u043b\u0436\u043d\u0430 \u0445\u043e\u0440\u043e\u0448\u043e \u043f\u043e\u0441\u043b\u0435\u0434\u043e\u0432\u0430\u0442\u044c \u0437\u0430 \u044d\u0442\u0438\u043c. \u042d\u0442\u043e \u0441\u0432\u043e\u0435\u0433\u043e \u0440\u043e\u0434\u0430 \u044d\u043a\u043e\u043d\u043e\u043c\u0438\u0447\u0435\u0441\u043a\u0430\u044f \u0430\u043a\u0441\u0438\u043e\u043c\u0430: \u043f\u0440\u0435\u0434\u043b\u043e\u0436\u0435\u043d\u0438\u0435 \u0441\u043e\u043a\u0440\u0430\u0442\u0438\u0442\u0441\u044f \u043f\u0440\u0438 \u0440\u0430\u0432\u043d\u043e\u043c \u0441\u043f\u0440\u043e\u0441\u0435. \u0412 \u0446\u0435\u043b\u043e\u043c, \u0434\u043b\u044f \u0440\u044b\u043d\u043a\u0430 \u0438\u043f\u043e\u0442\u0435\u043a\u0438 \u043e\u0436\u0438\u0434\u0430\u0435\u0442\u0441\u044f \u043d\u0435\u043a\u043e\u0442\u043e\u0440\u043e\u0435 \u0441\u043d\u0438\u0436\u0435\u043d\u0438\u0435 \u0441\u0442\u0430\u0432\u043e\u043a, \u0447\u0442\u043e, \u043a\u043e\u043d\u0435\u0447\u043d\u043e, \u0431\u0443\u0434\u0435\u0442 \u0431\u043b\u0430\u0433\u043e\u043f\u0440\u0438\u044f\u0442\u043d\u043e \u0434\u043b\u044f <a href=\"https:\/\/www.housingwire.com\/articles\/mortgage-applications-dip-refinance-surge\/\">\u0440\u0435\u0444\u0438\u043d\u0430\u043d\u0441\u0438\u0440\u043e\u0432\u0430\u043d\u0438\u0435 \u0434\u0435\u044f\u0442\u0435\u043b\u044c\u043d\u043e\u0441\u0442\u0438<\/a>\u00bb.\u00a0<\/p>\n<h2 class=\"wp-block-heading\" id=\"h-winding-down-qt-for-mbs-later\">\u041f\u043b\u0430\u043d\u0438\u0440\u0443\u0435\u0442\u0435 \u043f\u043e\u0437\u0436\u0435 \u043f\u0440\u0435\u043a\u0440\u0430\u0442\u0438\u0442\u044c QT \u0440\u0430\u0434\u0438 MBS?<\/h2>\n<p>\u0420\u0430\u043d\u0435\u0435 \u0432 \u044d\u0442\u043e\u043c \u0433\u043e\u0434\u0443 \u043d\u0435\u043a\u043e\u0442\u043e\u0440\u044b\u0435 \u0443\u0447\u0430\u0441\u0442\u043d\u0438\u043a\u0438 \u0440\u044b\u043d\u043a\u0430 \u0432\u044b\u0441\u043a\u0430\u0437\u044b\u0432\u0430\u043b\u0438 \u0438\u0434\u0435\u044e \u043e \u0442\u043e\u043c, \u0447\u0442\u043e \u0424\u0420\u0421 \u043c\u043e\u0436\u0435\u0442 \u0440\u0435\u0438\u043d\u0432\u0435\u0441\u0442\u0438\u0440\u043e\u0432\u0430\u0442\u044c \u0432\u044b\u043f\u043b\u0430\u0442\u044b \u043f\u043e \u0438\u043f\u043e\u0442\u0435\u0447\u043d\u044b\u043c \u0446\u0435\u043d\u043d\u044b\u043c \u0431\u0443\u043c\u0430\u0433\u0430\u043c (MBS) \u0432 \u043d\u043e\u0432\u044b\u0435 \u0438\u043f\u043e\u0442\u0435\u0447\u043d\u044b\u0435 \u0446\u0435\u043d\u043d\u044b\u0435 \u0431\u0443\u043c\u0430\u0433\u0438 (MBS), \u0441\u0441\u044b\u043b\u0430\u044f\u0441\u044c \u043d\u0430 \u0434\u0430\u0432\u043b\u0435\u043d\u0438\u0435 \u043d\u0430 \u0440\u044b\u043d\u043a\u0435 \u0436\u0438\u043b\u044c\u044f \u0438 \u043d\u0435\u043e\u0431\u0445\u043e\u0434\u0438\u043c\u043e\u0441\u0442\u044c \u0441\u043d\u0438\u0436\u0435\u043d\u0438\u044f \u0441\u0442\u0430\u0432\u043e\u043a. \u041e\u0434\u043d\u0430\u043a\u043e \u0431\u043e\u043b\u044c\u0448\u0438\u043d\u0441\u0442\u0432\u043e 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\u0446\u0435\u043b\u044c\u00bb.\u00a0<\/p>\n<p>\u0414\u0440\u0443\u0433\u0438\u0435 \u0441\u043e\u043c\u043d\u0435\u0432\u0430\u044e\u0442\u0441\u044f \u0432 \u0442\u043e\u043c, \u0447\u0442\u043e \u0424\u0420\u0421 \u043c\u043e\u0436\u0435\u0442 \u0441\u043d\u0430\u0447\u0430\u043b\u0430 \u043f\u0440\u0435\u043a\u0440\u0430\u0442\u0438\u0442\u044c \u043a\u043e\u043b\u0438\u0447\u0435\u0441\u0442\u0432\u0435\u043d\u043d\u043e\u0435 \u0441\u0442\u0438\u043c\u0443\u043b\u0438\u0440\u043e\u0432\u0430\u043d\u0438\u0435 \u043a\u0430\u0437\u043d\u0430\u0447\u0435\u0439\u0441\u043a\u0438\u0445 \u043e\u0431\u043b\u0438\u0433\u0430\u0446\u0438\u0439, \u043e\u0434\u043d\u043e\u0432\u0440\u0435\u043c\u0435\u043d\u043d\u043e \u0441\u043e\u0445\u0440\u0430\u043d\u044f\u044f \u0432\u044b\u043f\u0443\u0441\u043a \u0438\u043f\u043e\u0442\u0435\u0447\u043d\u044b\u0445 \u0446\u0435\u043d\u043d\u044b\u0445 \u0431\u0443\u043c\u0430\u0433 \u043d\u0430 \u0431\u043e\u043b\u0435\u0435 \u0434\u043b\u0438\u0442\u0435\u043b\u044c\u043d\u044b\u0439 \u0441\u0440\u043e\u043a.<\/p>\n<p>\u041d\u044d\u0448 \u041f\u0430\u0440\u0430\u0434\u0430\u0439\u0437, \u0434\u0438\u0440\u0435\u043a\u0442\u043e\u0440 \u043f\u043e \u043f\u0440\u043e\u0434\u0430\u0436\u0430\u043c <strong><a href=\"https:\/\/www.housingwire.com\/articles\/cryptocurrency-mortgage-lending-umortgage-non-qm-loan\/\">U\u0418\u043f\u043e\u0442\u0435\u043a\u0430<\/a><\/strong>, \u0441\u043a\u0430\u0437\u0430\u043b, \u0447\u0442\u043e \u043e\u043a\u043e\u043d\u0447\u0430\u043d\u0438\u0435 QT, \u0442\u0435\u043c \u043d\u0435 \u043c\u0435\u043d\u0435\u0435, \u0441\u0442\u0430\u043d\u0435\u0442 \u0441\u0442\u0438\u043c\u0443\u043b\u043e\u043c \u0434\u043b\u044f \u0438\u043f\u043e\u0442\u0435\u0447\u043d\u043e\u0439 \u043e\u0442\u0440\u0430\u0441\u043b\u0438, \u043a\u043e\u0442\u043e\u0440\u0430\u044f \u0441\u0442\u043e\u043b\u043a\u043d\u0443\u043b\u0430\u0441\u044c \u0441 <a href=\"https:\/\/www.housingwire.com\/30-year-mortgage-vs-10-year-treasury-spread\/\">\u0448\u0438\u0440\u043e\u043a\u0438\u0439 \u0440\u0430\u0437\u0431\u0440\u043e\u0441 \u043e\u043a\u043e\u043b\u043e 2,2%<\/a> \u043c\u0435\u0436\u0434\u0443 \u0434\u043e\u0445\u043e\u0434\u043d\u043e\u0441\u0442\u044c\u044e 10-\u043b\u0435\u0442\u043d\u0438\u0445 \u043a\u0430\u0437\u043d\u0430\u0447\u0435\u0439\u0441\u043a\u0438\u0445 \u043e\u0431\u043b\u0438\u0433\u0430\u0446\u0438\u0439 \u0438 \u0441\u0442\u0430\u0432\u043a\u0430\u043c\u0438 \u043f\u043e 30-\u043b\u0435\u0442\u043d\u0438\u043c \u0438\u043f\u043e\u0442\u0435\u0447\u043d\u044b\u043c \u043a\u0440\u0435\u0434\u0438\u0442\u0430\u043c.<\/p>\n<p>\u00ab\u041c\u044b \u0443\u0436\u0435 \u0443\u0432\u0438\u0434\u0435\u043b\u0438 \u043f\u0430\u0434\u0435\u043d\u0438\u0435 \u0434\u043e\u0445\u043e\u0434\u043d\u043e\u0441\u0442\u0438 10-\u043b\u0435\u0442\u043d\u0438\u0445 \u043e\u0431\u043b\u0438\u0433\u0430\u0446\u0438\u0439, \u0438 \u043d\u0430\u043c \u043d\u0443\u0436\u043d\u043e \u0443\u0434\u0435\u0440\u0436\u0430\u0442\u044c\u0441\u044f \u043d\u0438\u0436\u0435 4%\u00bb, \u2014 \u0441\u043a\u0430\u0437\u0430\u043b \u041f\u0430\u0440\u0430\u0434\u0430\u0439\u0437. \u00ab\u041f\u043e \u043c\u0435\u0440\u0435 \u043f\u0440\u0438\u0431\u043b\u0438\u0436\u0435\u043d\u0438\u044f \u043a \u043a\u043e\u043d\u0446\u0443 \u043f\u0435\u0440\u0438\u043e\u0434\u0430 \u043a\u043e\u043b\u0438\u0447\u0435\u0441\u0442\u0432\u0435\u043d\u043d\u043e\u0433\u043e \u0441\u043e\u043a\u0440\u0430\u0449\u0435\u043d\u0438\u044f (QT) \u043f\u043e \u0438\u043f\u043e\u0442\u0435\u0447\u043d\u044b\u043c \u0446\u0435\u043d\u043d\u044b\u043c \u0431\u0443\u043c\u0430\u0433\u0430\u043c (MBS) \u043c\u044b \u043d\u0430\u0447\u043d\u0451\u043c \u043d\u0430\u0431\u043b\u044e\u0434\u0430\u0442\u044c, \u043a\u0430\u043a \u0440\u0430\u0437\u043d\u0438\u0446\u0430 \u043c\u0435\u0436\u0434\u0443 10-\u043b\u0435\u0442\u043d\u0435\u0439 \u0434\u043e\u0445\u043e\u0434\u043d\u043e\u0441\u0442\u044c\u044e \u0438 \u0441\u0440\u0435\u0434\u043d\u0435\u0439 \u0434\u043e\u0445\u043e\u0434\u043d\u043e\u0441\u0442\u044c\u044e \u043f\u043e 30-\u043b\u0435\u0442\u043d\u0438\u043c \u043e\u0431\u043b\u0438\u0433\u0430\u0446\u0438\u044f\u043c \u0437\u0430 \u043e\u0434\u0438\u043d \u0434\u0435\u043d\u044c \u0434\u0435\u0439\u0441\u0442\u0432\u0438\u0442\u0435\u043b\u044c\u043d\u043e \u0441\u043e\u043a\u0440\u0430\u0449\u0430\u0435\u0442\u0441\u044f\u00bb.\u00a0<\/p>\n<p><a href=\"https:\/\/www.housingwire.com\/articles\/rick-roque-lands-at-nfm-lending\/\">\u0420\u0438\u043a \u0420\u043e\u043a\u0435<\/a>, \u043a\u043e\u0440\u043f\u043e\u0440\u0430\u0442\u0438\u0432\u043d\u044b\u0439 \u0432\u0438\u0446\u0435-\u043f\u0440\u0435\u0437\u0438\u0434\u0435\u043d\u0442 \u043f\u043e \u043d\u043e\u0432\u043e\u043c\u0443 \u0440\u043e\u0441\u0442\u0443 \u0432 <strong>\u041a\u0440\u0435\u0434\u0438\u0442\u043e\u0432\u0430\u043d\u0438\u0435 \u041d\u0424\u041c<\/strong>\u0437\u0430\u044f\u0432\u0438\u043b, \u0447\u0442\u043e \u043f\u043e\u043a\u0430 \u043d\u0435\u044f\u0441\u043d\u043e, \u0431\u0443\u0434\u0435\u0442 \u043b\u0438 \u0424\u0420\u0421 \u0440\u0435\u0438\u043d\u0432\u0435\u0441\u0442\u0438\u0440\u043e\u0432\u0430\u0442\u044c \u043f\u0440\u0438\u043e\u0441\u0442\u0430\u043d\u043e\u0432\u043b\u0435\u043d\u043d\u044b\u0435 \u043f\u043e\u0441\u0442\u0443\u043f\u043b\u0435\u043d\u0438\u044f \u043e\u0442 \u0432\u044b\u043f\u0443\u0441\u043a\u0430 \u0438\u043f\u043e\u0442\u0435\u0447\u043d\u044b\u0445 \u0446\u0435\u043d\u043d\u044b\u0445 \u0431\u0443\u043c\u0430\u0433 \u043e\u0431\u0440\u0430\u0442\u043d\u043e \u0432 \u0438\u043f\u043e\u0442\u0435\u0447\u043d\u044b\u0435 \u0446\u0435\u043d\u043d\u044b\u0435 \u0431\u0443\u043c\u0430\u0433\u0438 \u0438\u043b\u0438 \u043f\u043e\u043b\u043d\u043e\u0441\u0442\u044c\u044e \u043f\u0435\u0440\u0435\u0439\u0434\u0435\u0442 \u043d\u0430 \u043a\u0430\u0437\u043d\u0430\u0447\u0435\u0439\u0441\u043a\u0438\u0435 \u043e\u0431\u043b\u0438\u0433\u0430\u0446\u0438\u0438. \u041f\u0435\u0440\u0432\u044b\u0439 \u0432\u0430\u0440\u0438\u0430\u043d\u0442, \u043f\u043e \u0435\u0433\u043e \u0441\u043b\u043e\u0432\u0430\u043c, \u0431\u044b\u043b \u0431\u044b \u0431\u043e\u043b\u0435\u0435 \u0431\u043b\u0430\u0433\u043e\u043f\u0440\u0438\u044f\u0442\u0435\u043d \u0434\u043b\u044f \u0438\u043f\u043e\u0442\u0435\u0447\u043d\u044b\u0445 \u0441\u0442\u0430\u0432\u043e\u043a, \u043d\u043e \u0432\u0442\u043e\u0440\u043e\u0439 \u043f\u0440\u0435\u0434\u0441\u0442\u0430\u0432\u043b\u044f\u0435\u0442\u0441\u044f \u0431\u043e\u043b\u0435\u0435 \u0432\u0435\u0440\u043e\u044f\u0442\u043d\u044b\u043c.<\/p>\n<p>\u00ab\u0412 \u0446\u0435\u043b\u043e\u043c, \u044d\u0442\u043e \u0441\u043e\u0431\u044b\u0442\u0438\u0435 \u044f\u0432\u043b\u044f\u0435\u0442\u0441\u044f \u0447\u0438\u0441\u0442\u044b\u043c \u043f\u043e\u0437\u0438\u0442\u0438\u0432\u043e\u043c \u0434\u043b\u044f \u0440\u044b\u043d\u043a\u0430 \u043e\u0431\u043b\u0438\u0433\u0430\u0446\u0438\u0439\u00bb, \u2014 \u0441\u043a\u0430\u0437\u0430\u043b \u0420\u043e\u043a\u0435. \u00ab\u042d\u0442\u043e \u043c\u043e\u0436\u0435\u0442 \u043f\u0440\u0438\u0432\u0435\u0441\u0442\u0438 \u043a \u0441\u043d\u0438\u0436\u0435\u043d\u0438\u044e \u0434\u043e\u0445\u043e\u0434\u043d\u043e\u0441\u0442\u0438 10-\u043b\u0435\u0442\u043d\u0438\u0445 \u043e\u0431\u043b\u0438\u0433\u0430\u0446\u0438\u0439 \u0434\u043e \u0443\u0440\u043e\u0432\u043d\u044f \u0432 \u0434\u0438\u0430\u043f\u0430\u0437\u043e\u043d\u0435 \u043e\u0442 3,61 \u0434\u043e 3,81 \u043f\u0440\u043e\u0446\u0435\u043d\u0442\u043d\u044b\u0445 \u0441\u0442\u0430\u0432\u043e\u043a \u0437\u0430 \u0433\u043e\u0434 (TP3T). \u041f\u043e \u043c\u0435\u0440\u0435 \u043d\u043e\u0440\u043c\u0430\u043b\u0438\u0437\u0430\u0446\u0438\u0438 \u0441\u043f\u0440\u0435\u0434\u043e\u0432 \u043a 1,81 \u043f\u0440\u043e\u0446\u0435\u043d\u0442\u043d\u044b\u0445 \u0441\u0442\u0430\u0432\u043e\u043a \u0437\u0430 \u0433\u043e\u0434 (TP3T) \u0441\u0442\u0430\u0432\u043a\u0430 \u043f\u043e 30-\u043b\u0435\u0442\u043d\u0435\u0439 \u0438\u043f\u043e\u0442\u0435\u043a\u0435 \u043c\u043e\u0436\u0435\u0442\u2026 <a href=\"https:\/\/www.housingwire.com\/articles\/how-can-mortgage-rates-get-to-5-75-by-the-end-of-the-year\/\">\u043f\u0440\u0438\u0431\u043b\u0438\u0437\u0438\u0442\u044c\u0441\u044f \u043a 5.5%<\/a>\u00bb.\u00a0<\/p>\n<p>\u041a\u0443\u0440\u0440\u043e \u0434\u043e\u0431\u0430\u0432\u0438\u043b\u0430, \u0447\u0442\u043e \u0437\u0430\u0432\u0435\u0440\u0448\u0435\u043d\u0438\u0435 \u043a\u043e\u043b\u0438\u0447\u0435\u0441\u0442\u0432\u0435\u043d\u043d\u043e\u0433\u043e \u0441\u043e\u043f\u0440\u043e\u0442\u0438\u0432\u043b\u0435\u043d\u0438\u044f \u043c\u043e\u0436\u0435\u0442 \u0442\u0430\u043a\u0436\u0435 \u0441\u0438\u0433\u043d\u0430\u043b\u0438\u0437\u0438\u0440\u043e\u0432\u0430\u0442\u044c \u043e \u0432\u043e\u0437\u0432\u0440\u0430\u0449\u0435\u043d\u0438\u0438 \u043e\u0442\u0435\u0447\u0435\u0441\u0442\u0432\u0435\u043d\u043d\u044b\u0445 \u0431\u0430\u043d\u043a\u043e\u0432 \u0432 \u0447\u0438\u0441\u043b\u043e \u043f\u043e\u043a\u0443\u043f\u0430\u0442\u0435\u043b\u0435\u0439 \u0438\u043f\u043e\u0442\u0435\u0447\u043d\u044b\u0445 \u0446\u0435\u043d\u043d\u044b\u0445 \u0431\u0443\u043c\u0430\u0433, \u0447\u0442\u043e \u0431\u0443\u0434\u0435\u0442 \u0441\u043f\u043e\u0441\u043e\u0431\u0441\u0442\u0432\u043e\u0432\u0430\u0442\u044c \u0441\u0443\u0436\u0435\u043d\u0438\u044e \u0441\u043f\u0440\u0435\u0434\u043e\u0432. \u041e\u043d\u0430 \u0441\u043e\u0445\u0440\u0430\u043d\u044f\u0435\u0442 \u043e\u0441\u0442\u043e\u0440\u043e\u0436\u043d\u043e\u0441\u0442\u044c, \u043e\u0442\u043c\u0435\u0447\u0430\u044f, \u0447\u0442\u043e \u043d\u0435\u043a\u043e\u0442\u043e\u0440\u043e\u0435 \u0432\u0440\u0435\u043c\u044f \u043e\u0436\u0438\u0434\u0430\u043b\u043e\u0441\u044c \u0432\u043e\u0437\u0432\u0440\u0430\u0449\u0435\u043d\u0438\u0435 \u0431\u0430\u043d\u043a\u043e\u0432 \u043d\u0430 \u0440\u044b\u043d\u043e\u043a, \u043d\u043e \u044d\u0442\u043e\u0433\u043e \u043d\u0435 \u043f\u0440\u043e\u0438\u0437\u043e\u0448\u043b\u043e.<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>\u0412\u0441\u0451 \u0431\u043e\u043b\u044c\u0448\u0435 \u044d\u043a\u043e\u043d\u043e\u043c\u0438\u0441\u0442\u043e\u0432 \u043f\u043e\u043b\u0430\u0433\u0430\u044e\u0442, \u0447\u0442\u043e \u0424\u0435\u0434\u0435\u0440\u0430\u043b\u044c\u043d\u0430\u044f \u0440\u0435\u0437\u0435\u0440\u0432\u043d\u0430\u044f \u0441\u0438\u0441\u0442\u0435\u043c\u0430 \u0431\u043b\u0438\u0437\u043a\u0430 \u043a \u043e\u0431\u044a\u044f\u0432\u043b\u0435\u043d\u0438\u044e \u043e \u0437\u0430\u0432\u0435\u0440\u0448\u0435\u043d\u0438\u0438 \u043f\u0440\u043e\u0433\u0440\u0430\u043c\u043c\u044b \u043a\u043e\u043b\u0438\u0447\u0435\u0441\u0442\u0432\u0435\u043d\u043d\u043e\u0433\u043e \u0443\u0436\u0435\u0441\u0442\u043e\u0447\u0435\u043d\u0438\u044f (QT) \u2014 \u0448\u0430\u0433\u0430, \u043a\u043e\u0442\u043e\u0440\u044b\u0439 \u043c\u043e\u0436\u0435\u0442 \u0438\u043c\u0435\u0442\u044c \u0434\u0430\u043b\u0435\u043a\u043e \u0438\u0434\u0443\u0449\u0438\u0435 \u043f\u043e\u0441\u043b\u0435\u0434\u0441\u0442\u0432\u0438\u044f \u0434\u043b\u044f \u0438\u043f\u043e\u0442\u0435\u0447\u043d\u043e\u0439 \u043e\u0442\u0440\u0430\u0441\u043b\u0438. \u0412 \u043f\u043e\u0441\u043b\u0435\u0434\u043d\u0438\u0435 \u043d\u0435\u0441\u043a\u043e\u043b\u044c\u043a\u043e \u043d\u0435\u0434\u0435\u043b\u044c \u043f\u0440\u0435\u0434\u0441\u0442\u0430\u0432\u0438\u0442\u0435\u043b\u0438 \u0446\u0435\u043d\u0442\u0440\u0430\u043b\u044c\u043d\u043e\u0433\u043e \u0431\u0430\u043d\u043a\u0430 \u0434\u0430\u0432\u0430\u043b\u0438 \u043f\u043e\u043d\u044f\u0442\u044c, \u0447\u0442\u043e \u0433\u043e\u0442\u043e\u0432\u044b \u0441\u0432\u0435\u0440\u043d\u0443\u0442\u044c \u043f\u043e\u043b\u0438\u0442\u0438\u043a\u0443, \u043d\u0430\u043f\u0440\u0430\u0432\u043b\u0435\u043d\u043d\u0443\u044e \u043d\u0430 \u0441\u043e\u043a\u0440\u0430\u0449\u0435\u043d\u0438\u0435 [\u2026]<\/p>","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-61367","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v17.5 (Yoast SEO v18.0) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Fed prepares to pivot balance sheet, with potential ripple effects for mortgages - Houses Marketplace<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/housesmarketplace.com\/ru\/fed-prepares-to-pivot-balance-sheet-with-potential-ripple-effects-for-mortgages\/\" \/>\n<meta property=\"og:locale\" content=\"ru_RU\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Fed prepares to pivot balance sheet, with potential ripple effects for mortgages\" \/>\n<meta property=\"og:description\" content=\"A growing number of economists believe that the Federal Reserve is close to announcing the end of its quantitative tightening (QT) program \u2014 a move that could have wide-reaching implications for the mortgage industry. 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