A delinquency is a payment that is late. Banks and regulators track the delinquency rate — the share of loans behind schedule — as the earliest hard sign of household stress, before defaults and foreclosures follow.
逾期 —— 没能按期还款。银行与监管机构用「
| Move变动 | Where it appeared出现位置 | What it means这句话在说什么 |
|---|---|---|
| 44 bp | US pending home sales fall to a 12-year low as mortgage rates top 7% 逾期 —— 没能按期还款。银行与监管机构用「 · 第 9 张术语卡 | The national mortgage delinquency rate reached 3.96% in the second quarter, up 44 basis points year on year, and foreclosures are up 42% — small levels, but the direction has turned. 要说清一个关键区别：高利率会同时造成两种相反的效应。存量房贷多数是固定利率，所以加息不会立刻抬高已贷款家庭的月供；但新增贷款的家庭负担骤增、同时油价与生活成本上升挤压预算，于是逾期开始上升。这就是本轮「逾期率同比涨 44 个基点、法拍涨 42%」的由来 —— 水平仍然很低，方向却已经不好看。看信用要看趋势，不要只看水平。 |