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A |     10元一份“夏日限定”来了杭州日报讯 盼了一整年，西湖荷叶莲蓬如约归来——今早，“西湖有爱·好运莲莲”爱心义卖活动在柳浪闻莺微笑亭温情开摊。    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.。

B | 对不少杭州市民来说，这场义卖早已成为每年夏天的西湖之约：携一缕西湖荷香而归，顺便把暖意捎给需要帮助的人。

C | 义卖的荷叶与莲蓬带着晨露、裹挟清香。为护住荷花的鲜活与美态，西湖养荷人凌晨四点便动身采摘，一根根细心撷取，第一时间送至微笑亭，这是专属于西湖最鲜灵的“夏日爱心礼”。义卖延续往年老规矩，“爱心莲莲”套餐包含3个莲蓬、5张荷叶，每份售价10元，每人限购一份，售完即止。此次活动自今日开启，每周一至周五上午7时，工作人员在柳浪闻莺微笑亭发放当日号码牌，市民游客可在8:30—9:00凭号码牌现场购买，逾时号码牌作废。现场可使用现金或支付宝App付款；雨天及双休日活动暂停。受台风过境与连日阴雨影响，部分荷叶叶面可能出现斑点，品相难以尽善尽美；此外，西湖荷花属于观赏性“花莲”，莲蓬产量远不及专供食用的“子莲”，因此每日义卖数量将根据天气与荷花长势动态调整，请市民游客谅解。景区温馨提醒：请市民根据自身情况前往，注意防暑，文明有序购买。此次活动义卖善款将全部捐赠给慈善机构。

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Published on:19:15:54