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