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Real estate groups urged the Fed to stop rate hikes. Here’s why._我的网站

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今夏最"离谱"的 NBA 场外新闻，可能要数这一条：火箭前锋塔里·伊森，向法院申请家暴限制令，起诉自己的前女友。据 TMZ 拿到的法庭文件，32岁的前女友玛丽莲·罗德里格斯被伊森指控：一次送对方母亲回家后两人争执，玛丽莲竟"握紧拳头反复殴打他的面部"；伊森离开后，她又擅自闯入他租住的民宿，把他所有名牌衣物翻出来、倒上液态漂白剂全部毁掉，损失约 9.2万美元；更瘆人的是，她的朋友还打电话传话，扬言要"打断他的双腿""杀了他"。 Major housing industry groups voiced "profound concern" in a letter this week urging the Federal Reserve to stop raising interest rates.The rare public admonishment from top business advocates -- including the National Association of Realtors and the National Association of Home Builders -- underscores a dramatic slowdown in the housing market due in large part to rising interest rates.The letter arrives roughly three weeks before the Fed plans to make its latest rate-hike decision.Mortgage rates have reached their highest level in more than two decades and they have continued to rise. Data released on Thursday showed that mortgage rates increased for the fifth consecutive week, according to Freddie Mac."The speed and magnitude of these [mortgage] rate increases, and resulting dislocation in our industry, is painful and unprecedented," the letter from the housing groups said.Here's what to know about why real estate groups called on the Fed to stop raising rates:

What's happening in the housing market?

Sky-high mortgage rates have dramatically slowed the housing market, since homebuyers have balked at stiff borrowing costs and home sellers have opted to stay on mortgages that lock them into relatively low rates.Mortgage applications have fallen to their lowest level since 1996, the Mortgage Brokers Association said earlier this month.Sales of previously owned homes, meanwhile, have plummeted more than 15% compared to a year ago, the National Association of Realtors found in August.The slowdown has coincided with a sharp rise in costs for potential homebuyers.The average interest rate for a 30-year fixed mortgage has climbed to nearly 7.6%, Freddie Mac data shows.When the Fed initiated the rise of bond yields with its first rate hike of the current series in March 2022, the average 30-year fixed mortgage stood at just 4.45%.Each percentage point increase in a mortgage rate can add thousands or tens of thousands in additional costs each year, depending on the price of the house, according to Rocket Mortgage.

What role is the Federal Reserve playing in the housing market slowdown?

An aggressive series of interest rate hikes at the Federal Reserve since last year has pushed up the 10-year Treasury yield, which loosely tracks with long-term mortgage rates.The Fed has fought elevated inflation with borrowing cost increases as it tries to slash price hikes by slowing the economy and choking off demand.While inflation has fallen significantly from a peak of about 9% last summer, price increases remain more than a percentage point higher than the Fed's inflation target.Price increases held steady in September, fresh data on Thursday showed, suggesting that elevated inflation remains resistant to the interest rate hikes.The persistence of elevated inflation has prompted the Fed to espouse a policy of holding interest rates at high levels for a prolonged period, which in turn has increased the 10-year Treasury yield and put upward pressure on mortgage rates.Moreover, the Fed expects to raise rates one more time this year, according to projections released last month.Speaking at a press conference in Washington, D.C., last month, Fed Chair Jerome Powell acknowledged the continued effect of interest rates on mortgages, noting that activity in the housing market "remains well below levels of a year ago, largely reflecting higher mortgage rates."

What do the housing industry groups want the Fed to do?

Housing industry advocates want the Fed to take swift actions that reassure investors and other market participants of an end to the policies cooling the industry.Most notably, the industry groups want the central bank to release a statement saying that it has abandoned consideration of additional rate hikes.In their letter to Fed officials, the housing groups cautioned that a further slowdown in real estate could help tip the U.S. economy into a recession, scuttling the central bank's effort to achieve a "soft landing.""We urge the Fed to take these simple steps to ensure that this sector does not precipitate the hard landing the Fed has tried so hard to avoid," the letter said.。伊森无奈申请限制令，要求对方不得靠近自己、住所、训练场、座驾，甚至覆盖火箭在加州参赛的所有球馆。消息一出，评论区全是"什么鬼"。也难怪——一个两米出头、能在 NBA 拼抢的硬汉中锋/锋线，被前女友按着头打、被泼漂白剂、还收到死亡威胁，画面实在太违和。可如果只当笑话看，就漏掉了更严肃的内核：NBA 球员遭家暴，真的是个例吗？答案很明确：不是个例，只是"少数派"。

二 | 把过往新闻翻一翻，被伴侣动手的 NBA 球员，名单比想象中长：厄尔·沃特森（爵士）：妻子、演员詹妮弗·弗里曼因一条短信疑他出轨，咬破他手腕和胸口，还抄起电熨斗砸过来，沃特森闪开才没重伤；贾森·基德前妻朱玛娜：离婚文件里写明，她常在家中拿东西砸他，一位驻家采访的记者直言"完全相信"；德文·哈姆（前活塞）：邻居报警后警方到场，发现他妻子拎着酒瓶站在一旁，哈姆被打得满头流血、不敢吭声；艾尔·杰弗森：被媒体点名为"另一半的出气筒"；查理·贝尔（勇士）：被妻子当着孩子面用美工刀划伤。所以，伊森绝非孤例。只是横向比，"球员殴妻"的丑闻显然更多，男性当受害者始终是少数且更沉默的一群。为什么五大三粗的壮汉被家暴，会让外界匪夷所思？第一，是刻板印象的暴击。我们默认"块头大=不可能被欺负"，但家暴的本质从来不是"谁拳头硬"。它更多是控制、情绪爆发和权力碾压——对方抄起熨斗、美工刀、酒瓶，或是像伊森案里趁你转身的瞬间动手、再泼化学液体，体格优势在那一刻直接归零。NBA 球员的肌肉，挡得住防守球员，挡不住枕边人突如其来的拳头。

三 | 第二，是男性受害者的集体沉默。社会文化里，"男人该忍""报警丢面子"的潜规则，让大量男性家暴受害者选择咽下委屈。伊森没有硬扛、而是直接走法律程序申请限制令，在同类案例里反而是少见且值得肯定的清醒操作——用法律止损，比"男子汉不能吃亏"的逞强聪明得多。第三，是被娱乐化消费的荒诞感。网友爱调侃"最委屈 NBA 壮汉"，但家暴就是家暴，无论加害者和受害者是什么性别。