美国房地美公布的最新数据显示，30年期固定抵押贷款平均利率已升至6.95%，达到自2025年1月30日以来的最高水平1。这一利率已连续上涨4周，与一周前的6.76%相比有所上升，较一年前的6.26%更是明显上升1。
美联储于16日宣布将联邦基金利率目标区间上调25个基点至3.75%-4%，这是自2023年7月以来首次加息1。此前，美国10年期国债收益率在14日升至5%，创2023年以来最高，但随后在17日回落至4.94%1。经济学家预计，30年期固定抵押贷款利率短期内将维持在7%或以上的水平1，这对房地产市场的复苏将产生不利影响。
U.S. mortgage rates have surged to a new high, with Freddie Mac reporting that the average 30-year fixed-rate mortgage reached 6.95%, marking the highest level since January 30, 2025. 1 The rate has climbed for four consecutive weeks, rising from 6.76% one week prior and 6.26% a year ago. 1
The uptick in mortgage costs follows the Federal Reserve's decision to raise its benchmark interest rate by 25 basis points to a target range of 3.75% to 4.00%, the first rate increase since July 2023. 1 Contributing to the broader pressure on rates, the 10-year Treasury yield had climbed to 5% on September 14, the highest level since 2023, before retreating to 4.94% by September 17. 1 Economists predict that 30-year fixed mortgage rates will remain at or above 7% in the near term, a development that poses risks to the housing market recovery. 1
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