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Por Elizabeth Dilts Marshall<\/p>\n
NOVA YORK (Reuters) – Analistas e economistas norte-americanos devem avaliar como os neg\u00f3cios de financiamento imobili\u00e1rio dos bancos se sa\u00edram no segundo trimestre, \u00e0 medida que as eleva\u00e7\u00f5es nas taxas de juros pelo Federal Reserve (Fed) continuam a prejudicar as origina\u00e7\u00f5es e refinanciamentos.<\/p>\n
Os grandes bancos dos Estados Unidos come\u00e7ar\u00e3o a divulgar seus balan\u00e7os referentes ao per\u00edodo de abril a junho, historicamente um per\u00edodo de compra de im\u00f3veis no pa\u00eds, em 14 de julho.<\/p>\n
Depois de contratar dezenas de milhares de funcion\u00e1rios entre 2018 e 2020 para lidar com as crescentes origina\u00e7\u00f5es e refinanciamentos de hipotecas impulsionados por baixas taxas de juros, o setor est\u00e1 diminuindo. Bancos norte-americanos, incluindo JPMorgan (NYSE:JPM) (BVMF:JPMC34) e Wells Fargo (NYSE:WFC), come\u00e7aram a cortar funcion\u00e1rios, com mais demiss\u00f5es no segmento esperadas nos pr\u00f3ximos meses, disseram analistas e economistas.<\/p>\n
“No pr\u00f3ximo m\u00eas ou dois, veremos a maior parte das demiss\u00f5es”, disse Doug Duncan, economista-chefe da Fannie Mae. “Geralmente, h\u00e1 um intervalo de cerca de seis meses entre uma virada no mercado e as demiss\u00f5es.”<\/p>\n
As taxas de juros dos empr\u00e9stimos para financiamento de im\u00f3veis subiram para o maior n\u00edvel em 14 anos em junho, depois que o Fed aumentou os juros da economia em 0,75 ponto percentual. A taxa m\u00e9dia de uma hipoteca de taxa fixa de 30 anos, o empr\u00e9stimo imobili\u00e1rio mais comum nos EUA, era de 5,3% em 7 de julho, acima dos 2,9% do ano anterior, segundo Freddie Mac.<\/p>\n
Os economistas da Fannie Mae projetam que as vendas totais de casas cair\u00e3o 13,5% este ano e que as origina\u00e7\u00f5es de hipotecas cair\u00e3o quase 42%, para 2,6 trilh\u00f5es de d\u00f3lares.<\/p>\n
BANCOS ENCOLHEM<\/p>\n
O Wells Fargo & Company (NYSE:WFC) (BVMF:WFCO34), o maior banco do setor de hipotecas norte-americano, demitiu funcion\u00e1rios em abril e junho, disse uma pessoa com conhecimento do assunto. O JPMorgan tamb\u00e9m desligou funcion\u00e1rios em junho, disse outra pessoa com conhecimento dos planos da institui\u00e7\u00e3o. As fontes n\u00e3o forneceram n\u00fameros.<\/p>\n
O neg\u00f3cio de hipotecas respondeu por 6% e 2% da receita total do Wells Fargo e do JPMorgan, respectivamente, no ano passado, segundo dados compilados por Cassidy, da RBC.<\/p>\n
No primeiro trimestre, o Wells Fargo registrou uma queda de 33% na receita de financiamento imobili\u00e1rio em rela\u00e7\u00e3o ao ano anterior, enquanto o JPMorgan disse que a receita l\u00edquida de empr\u00e9stimos \u00e0 habita\u00e7\u00e3o caiu 20%. Essa queda deve continuar no segundo trimestre.<\/p>\n
Em junho, executivos do Wells Fargo disseram em duas confer\u00eancias que a institui\u00e7\u00e3o planeja reduzir o neg\u00f3cio de hipotecas e que os investidores devem esperar uma receita do segmento no segundo trimestre 50% abaixo dos n\u00edveis do primeiro trimestre.<\/p>\n
O Bank of America (NYSE:BAC) (NYSE:BAC) foi o \u00fanico grande banco a relatar que a receita de hipotecas em toda o grupo aumentou quase 8% no primeiro trimestre deste ano em compara\u00e7\u00e3o com igual per\u00edodo de 2021. Os executivos atribu\u00edram isso ao crescimento dos empr\u00e9stimos e a menos clientes pagando antecipadamente os financiamentos, o que muitos vinham fazendo durante momentos mais cr\u00edticos da pandemia.<\/p>\n
Os bancos citados n\u00e3o comentaram porque est\u00e3o em per\u00edodo de sil\u00eancio.<\/p>\n
(Por Elizabeth Dilts Marshall)<\/p>\n
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Por Elizabeth Dilts Marshall NOVA YORK (Reuters) – Analistas e economistas norte-americanos devem avaliar como os neg\u00f3cios de financiamento imobili\u00e1rio dos bancos se sa\u00edram no segundo trimestre, \u00e0 medida que as eleva\u00e7\u00f5es nas taxas de juros pelo Federal Reserve (Fed) continuam a prejudicar as origina\u00e7\u00f5es e refinanciamentos. Os grandes bancos dos Estados Unidos come\u00e7ar\u00e3o a […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[1],"tags":[],"class_list":["post-35522","post","type-post","status-publish","format-standard","hentry","category-noticias"],"_links":{"self":[{"href":"https:\/\/www.amarilfranklin.com.br\/index.php\/wp-json\/wp\/v2\/posts\/35522","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.amarilfranklin.com.br\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.amarilfranklin.com.br\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.amarilfranklin.com.br\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.amarilfranklin.com.br\/index.php\/wp-json\/wp\/v2\/comments?post=35522"}],"version-history":[{"count":0,"href":"https:\/\/www.amarilfranklin.com.br\/index.php\/wp-json\/wp\/v2\/posts\/35522\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.amarilfranklin.com.br\/index.php\/wp-json\/wp\/v2\/media?parent=35522"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.amarilfranklin.com.br\/index.php\/wp-json\/wp\/v2\/categories?post=35522"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.amarilfranklin.com.br\/index.php\/wp-json\/wp\/v2\/tags?post=35522"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}