• 时间:2021 年
  • 分类:其它
  • 页数:47

icon 美国2021年第2季度家庭债务报告(英)-微观经济数据中心-2021-47页

CENTER FOR MICROECONOMIC DATA W WW . N EW Y O RKFE D. O RG/M I CRO ECO NO MI CS Q U A R T E R L Y R E P O R T O N HOUSEHOLD DEBT AND CREDIT 2021:Q2 (RELEASED AUGUST 2021) FEDERAL RESERVE BANK of NEW YORK R E S E A R C H A N D S TAT I S T I C S G R O U P ANALYSIS BASED ON NEW YORK FED CONSUMER CREDIT PANEL/EQUIFAX DATA Household Debt and Credit Developments in 2021Q2 1 Aggregate household debt balances increased by $313 billion in the second quarter of 2021, a 2.1% rise from 2021Q1, and now stand at $14.96 trillion. Balances are $812 billion higher than at the end of 2019 and $691 billion higher than 2020Q2. The 2.1% increase in aggregate balances was the largest seen since 2013Q4 and marked the largest nominal increase in debt balances since 2007Q2. Balances Mortgage balances shown on consumer credit reports increased by $282 billion in the second quarter of 2021, and stood at $10.44 trillion at the end of June. Balances on home equity lines of credit (HELOC) saw a $13 billion decline, the 18th consecutive decrease since 2016Q4, bringing the outstanding balance to $322 billion. Credit card balances grew in the second quarter, by $17 billion, after a $49 billion decline in the first quarter. Still, credit card balances remain $140 billion lower than they had been at the end of 2019. Auto loan balances increased by $33 billion in the second quarter. Student loan balances declined by $14 billion. In total, non-housing balances grew by $44 billion, with increases in auto loans and credit card balances offsetting the decline in student loan balances. Originations New extensions of installment credit hit series highs in 2021Q2 for both mortgages and auto loans. Mortgage originations, measured as appearances of new mortgage balances on consumer credit reports and which include refinances, were at $1.2 trillion, surpassing the volumes seen in the preceding 3 quarters. In the 4 quarters ending in 2021Q2, mortgage originations reached a historic high, with nearly $4.6 trillion in mortgages originated. With the robust pace of originations in the past 4 quarters, 44% of the outstanding mortgage balance is originated in the past year. Auto loan originations, which include both loans and leases, reached $202 billion. Aggregate limits on credit card accounts stepped up by $36 billion in the 2nd quarter as well, after declines in the quarters following the onset of the Covid pandemic. Limits on home equity lines of credit (HELOC) shrunk by $13 billion, continuing the declining trend. Median mortgage origination credit scores were roughly flat, with the median credit score of newly originated mortgages at 786, reflecting a continuing high quality of underwriting standards and higher share...
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