当前,房地产再融资市场蕴含着数万亿美元的巨大商机。房主手中拥有创纪录的高达35万亿美元的房屋权益,如果利率下降,这或将推动再融资业务量激增。两只股票可能会从中获益颇丰。
Rocket Companies是美国最大的贷款发放商之一,它将从再融资热潮中获益。2021年,Rocket的贷款总量达到1035亿美元,再融资是主要推动因素。尽管当前再融资业务不太活跃,但一旦利率下降,Rocket的贷款量势必会大幅增加。此外,该公司正在构建一个涵盖房地产交易全流程的数字化平台,这也为未来持续增长奠定了基础。
Upstart则为房主提供了一种更好的HELOC(房屋权益贷款)申请体验。该公司的信贷评估模型比传统的FICO评分更精准地预测了借款人的偿还能力。目前Upstart的HELOC年产出只有1.6亿美元,但这仅是万亿美元级别市场的冰山一角。如果利率下降,Upstart有望在这一市场占据较大份额,给股东带来丰厚收益。
总的来说,房地产再融资市场蕴含的巨大商机不容忽视。Rocket和Upstart这两只股票都有望从中获益,成为投资者关注的焦点。
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