摩根大通与富国银行最新公布的抵押贷款业务数据揭示，当前住房市场仍处于深度冻结状态。瑞银分析师指出，数据显示消费者购房意愿持续低迷，但现有房主仍能维持正常的按揭还款。
银行业务量环比骤降15%，远超行业预期的8%跌幅，反映出楼市交易活跃度的急剧萎缩。与之形成鲜明对比的是，住房信贷质量保持稳定态势——相较于信用卡业务呈现的较高坏账趋势，住房贷款表现尤为稳健。
具体而言，摩根大通住房贷款净核销额转为负值，其贷款损失拨备也同步下降；富国银行则展现出住房信贷质量从稳定到改善的积极信号。这两大金融机构的业绩表现共同勾勒出当前美国房地产市场"交易冰封但信贷稳健"的特殊图景。
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