2026年1月8日, Trump 提议Fannie Mae和Freddie Mac在期中期前购买200B美元的抵押债券, On Jan. 8, 2026, Trump proposed Fannie Mae and Freddie Mac buy $200B in mortgage bonds to lower rates ahead of midterms, risking their financial stability.

2026年1月8日, 总统唐纳德·特朗普(Donald Trump)宣布一项计划, 让Fannie Mae和弗雷迪·麦克(Freddy Mac)在中期选举前购买两千亿美元的按揭支持证券, 以降低按揭利率, On January 8, 2026, President Donald Trump announced a plan to have Fannie Mae and Freddie Mac purchase $200 billion in mortgage-backed securities to lower mortgage rates and improve housing affordability ahead of the midterm elections. 这项由政府控制机构储备金资助的搬迁旨在减少月付款,减轻对房主的财政压力。 The move, funded by the government-controlled agencies’ reserves, aims to reduce monthly payments and ease financial pressure on homeowners. 经济学家提醒注意,其影响将有限,可能只将30年固定利率降低0.25至0.5个百分点,不会解决住房短缺或抵押利率锁定等更深层问题。 Economists caution the impact will be limited, potentially lowering 30-year fixed rates by only 0.25 to 0.5 percentage points, and won’t address deeper issues like housing shortages or the mortgage rate lock-in effect. 美联储自2022年以来一直在减少自己持有的抵押担保证券。 The Federal Reserve has been reducing its own holdings of mortgage-backed securities since 2022. 该计划引起人们对Fannie Mae和Freddie Mac公司金融缓冲被削弱的担忧。 The plan raises concerns about weakening financial buffers at Fannie Mae and Freddie Mac. Trump还标志着更广泛的住房改革,包括限制机构投资者购买单家庭住房。 Trump also signaled broader housing reforms, including restricting institutional investors from buying single-family homes.