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A |     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.。    医疗保障关乎每个人的切实健康利益，作为服务群众“最后一公里”的医保经办工作，更是搭建了医疗保障工作与群众的“连心桥”。近年来，抚顺县持续优化医保领域便民服务，聚焦医保经办服务点位不充足，群众办事不够便利等问题，通过积极建设医保服务工作站点，想方设法提升医保经办服务供给能力，参保群众对医保服务的满意度持续提升。         　　抚顺县后安镇傲牛村距离抚顺市区近60公里，距离后安镇也有12公里的距离。以往村民办理医保事务，往返后安镇医保服务中心十分不方便。随着今年6月村里便民服务站开通了村级医保经办功能，村民们在家门口就可以把基本医保事务办理完毕。         　　近年来，我市持续推进医保基本公共服务下沉，让参保群众在“家门口”就能享受到便捷的医保服务。2023年，抚顺县医保中心在全县8个乡镇设立了“医保经办工作站”，并在19个村设立了“便民大集服务站”，将13项城乡居民医保业务全部下沉到村级医保大集服务站，打破了“同乡异地”壁垒，实现医保业务全县通办。今年6月，第二批12个“便民大集服务站”顺利上线运行，累计开通了31个村级医保经办站，基本实现了村级医保服务全覆盖。         　　抚顺县医保中心统一下沉医保服务清单后，可以代办城乡居民医保参保登记、参保信息维护、申请异地就医备案结算、人员终止参保等业务，实现了参保群众咨询政策、办理业务马上办、门口办，全县居民医保参保率达到了98%。         　　抚顺县医保中心主任杜江说：“为建立一支“开口能讲、遇事能办、问策能对”的三级医保经办队伍，抚顺县医保中心利用各种形式对基层医保经办人员开展业务指导和政策培训，抽调业务骨干多层次培养乡村两级医保经办人员，推动医保经办管理全面提质增效，使乡村枢纽医保经办功能得以有效发挥。”                     责任编辑：李丹。

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