MAGAZYN KIESZEŃ (305) 05.02. 2020

Magazyn ekonomiczny Zbyszka Karasia. Wydanie 305 – 4 maj 2020

CENY @ 4:00 PM 05.01.2020

10 yr note:               0.62% -2 bp
5 yr note:                 0.35% -1 bp
2 Yr note:                 0.20% +1 bp
30 yr bond:             1.26% -2 bp
Libor Rates:             1 mo 0.329%; 3 mo 0.556%; 6 mo 0.759%; 1 yr 0.864% (4/30/20)
30 yr FNMA 3.0:     105.50 -6 bp (- 8bp frm 9:30)
15 yr FNMA 3.0:     105.45 +1 bp (-4 bp frm 9:30)
30 yr GNMA 3.0:    106.52 +3 bp (+17 bp frm 9:30)
Dollar/Yuan:           $7.0623 unch
Dollar/Yen:             106.83 -0.36 yen
Dollar/Euro:            $1.0980 +$0.0027
Dollar Index:          99.04 +0.02
Gold:                       $1711.20 +$18.00
Crude Oil:              $19.79 +$0.95
DJIA:                       23,723.69 -622.03
NASDAQ:               8604.95 -284.60
S&P 500:               2830.71 -81.72

Poland

NAME		VALUE		NET CHANGE		% CHANGE		1 MONTH	1 YEAR		TIME (EDT)
WIG20:IND WIG 20		1,648.68		-2.65		-0.16%		+11.22%	-29.37%		4/30/2020
WIG:IND WSE WIG INDEX		46,117.00		+2.05		+0.00%		+12.40%	-23.32%		4/30/2020
WIG30:IND WIG30		1,901.86		-2.38		-0.12%		+11.30%	-29.10%		4/30/2020
CURRENCY		VALUE		CHANGE		NET CHANGE			TIME (EDT)
EUR-USD		1.0981		0.0026		+0.24%			4:59 PM
USD-JPY		106.9100		-0.2700		-0.25%			4:59 PM
GBP-USD		1.2506		-0.0088		-0.70%			4:59 PM
AUD-USD		0.6418		-0.0094		-1.44%			4:59 PM
USD-CAD		1.4089		0.0144		+1.03%			4:59 PM
USD-CHF		0.9614		-0.0039		-0.40%			4:59 PM

 

USD-CZK		24.8077		0.0598	+0.24%	4:59 PM
USD-SKK		27.4415		-0.0669	-0.24%	4:59 PM
USD-PLN		4.1587		0.0086	+0.21%	4:59 PM
USD-HUF		321.9500		-0.1700	-0.05%	4:59 PM
USD-RUB		75.3596		1.0003	+1.35%	4:58 PM
USD-MXN		24.5777		0.4033	+1.67%	4:59 PM
Today’s Pricing (30-Day)
HOME MORTGAGE
Rate	Points		+/-	Difference
30 Year Agency
3.125%	100.511		ä	-0.283
3.190%	100.905		ä	-0.283
30 Year Agency HB
3.250%	100.338		ä	-0.283
3.375%	100.829		ä	-0.284
20 Year Agency
2.990%	99.884		ä	-0.284
3.125%	100.801		ä	-0.284
15 Year Agency
2.625%	100.685		ä	-0.221
2.750%	101.061		ä	-0.222
30 Year FHA Full Doc
4.000%	100.653		ä	-0.237
4.125%	100.778		ä	-0.237
30 Year FHA Streamline
3.250%	100.834		ä	-0.244
3.375%	100.959		ä	-0.244
30 Year VA Full Doc
2.990%	98.568		ä	-0.256
3.125%	98.693		ä	-0.256
30 Year VA IRRRL
3.500%	100.759		ä	-0.244
3.625%	100.884		ä	-0.244
30 Year Jumbo Portfolio Access
3.990%	84.920		ã	0.037
4.125%	85.285		ã	0.029

 

 

 

Today’s Rates

Best Execution	Rate	Change
30 Yr FRM	3.19%	+0.00
15 Yr FRM	3.01%	-0.01
FHA 30 Year Fixed	3.25%	+0.00
Jumbo 30 Year Fixed	4.40%	-0.01
5/1 Yr ARM	4.02%	+0.02
Current Mortgage Rates » What are best-execution rates?

Average Mortgage Rates

	Rate	Points	Change
FHFA *
15 Yr. Fixed	0.00%	0.00	+0.00
30 Yr. Fixed	0.00%	0.00	+0.00

 

MBA **
30 Yr. Fixed	3.43%	0.34	-0.02
15 Yr. Fixed	2.98%	0.28	-0.05
30 Yr. Jumbo	3.72%	0.00	-0.09
30 Yr. FHA	0.00%	0.00	-3.33
5/1 ARM	0.00%	0.00	-3.29

 

Freddie Mac **
30 Yr. Fixed	3.23%	0.70	-0.10
15 Yr. Fixed	2.77%	0.60	-0.09
1 Yr. ARM	2.68%	0.20	+0.01
5/1 Yr. ARM	3.14%	0.40	-0.14
Current Mortgage Rates » * FHFA averages are updated monthly. ** Mortgage Bankers Association (each Wednesday) and Freddie Mac (each Thursday) averages are updated weekly.

Secondary Markets

MBS	Price	Change
30YR UMBS 3.0	105.52	-0.05
30YR UMBS 3.5	105.61	-0.06
30YR GNMA 3.0	106.53	+0.05
30YR GNMA 3.5	105.25	0.00
15YR FNMA 3.0	105.41	-0.08
15YR FNMA 2.5	104.47	-0.05

 

Treasuries						Yield				Change
2 YR						0.1978%				-0.0036
5 YR						0.3529%				-0.0126
10 YR						0.6181%				-0.0275
30 YR						1.2531%				-0.0397
Prices as of: 5/1/2020 5:05PM EST
Top of Form Week Month 1-Year 3-Year Bottom of Form
[click item to view chart]	Current		Previous		Previous			Previous			Previous
	Quote		Day		Week			Month			Year
	May 1, 2020		Apr 30, 2020		Apr 24, 2020			Apr 1, 2020			May 1, 2019
	Quote	% Chg	Quote	% Chg	Quote		% Chg	Quote	% Chg		Quote
Macroeconomic Statistics
Mar Core US CPI Rate	2.1%	-12.5%	2.4%	0.0%	2.4%		0.0%	2.4%	20.0%		2.0%
Mar Core US PCE Idx	1.70%	-5.6%	1.80%	0.0%	1.80%		0.0%	1.80%	20.0%		1.50%
Mar Non-Farm Payroll	-701,000	-354.9%	275,000	0.0%	275,000		0.0%	275,000	79.7%		153,000
Mortgage Rates
30 Yr FXD avg	3.23%	-3.0%	3.33%	0.0%	3.33%		-4.9%	3.50%	-16.7%		4.20%
15 Yr FXD avg	2.77%	-3.1%	2.86%	0.0%	2.86%		-2.1%	2.92%	-19.8%		3.64%
Fundamentals
1 Year CMT	0.162%	-6.4%	0.173%	0.0%	0.173%		3.6%	0.167%	-93.0%		2.387%
10 Year CMT	0.63%	1.6%	0.62%	-1.6%	0.63%		-12.5%	0.72%	-71.7%		2.54%
2-Year Treasury	0.198%	-1.5%	0.201%	-9.5%	0.222%		-8.6%	0.243%	-89.5%		2.308%
10-Year Treasury	0.628%	-2.8%	0.646%	6.6%	0.606%		0.7%	0.602%	-75.9%		2.502%
30-Year Treasury	1.274%	-1.5%	1.293%	10.0%	1.175%		-5.7%	1.246%	-57.2%		2.908%
12 MTA	1.508%	-11.1%	1.697%	0.0%	1.697%		-9.8%	1.881%	-24.8%		2.501%
USD 6M LIBOR	0.7595%	-5.6%	0.8049%	-16.6%	0.9653%		-11.6%	1.0918%	-58.4%		2.6220%
USD 12M LIBOR	0.8646%	-3.8%	0.8986%	-6.4%	0.9603%		-5.3%	1.0140%	-62.7%		2.7169%
USD 1M LIBOR	0.3296%	-10.9%	0.3701%	-24.0%	0.4873%		-50.5%	0.9845%	-60.3%		2.4805%
11th District COFI	0.884%	-10.6%	0.989%	0.0%	0.989%		0.0%	0.989%	3.2%		0.958%
Federal Funds	0.25%	0.0%	0.25%	0.0%	0.25%		0.0%	0.25%	-90.0%		2.50%
Gold, Mini $/oz	1701.10	0.4%	1694.20	-2.4%	1735.60		9.1%	1591.40	24.1%		1282.50
Currencies
EUR/USD	1.0992	0.3%	1.0962	1.3%	1.0819		-1.3%	1.0959	-2.0%		1.1187
USD/JPY	106.8375	-0.3%	107.1341	-0.3%	107.4463		0.3%	107.1105	-3.9%		111.4034
GBP/USD	1.2511	-0.7%	1.2599	1.8%	1.2378		0.0%	1.2384	-5.1%		1.3048
USD/CAD	1.4094	1.1%	1.3945	-1.1%	1.4100		-0.7%	1.4197	5.5%		1.3452
AUD/USD	0.641219	-1.6%	0.651334	1.7%	0.640261		5.5%	0.606938	-13.4%		0.701190
USD/CHF	0.9604	-0.5%	0.9655	-0.8%	0.9729		0.8%	0.9649	-5.1%		1.0169