美国房地美10月8日公布数据显示，30年期固定抵押贷款平均利率升至7.4%，创自2023年11月以来的最高水平1。这一利率已连续上涨7周，较一周前的7.28%进一步上升，较一年前的6.3%上涨明显1。房贷利率的持续走高主要受美联储9月加息和美国10年期国债收益率上升等因素推动1，其中美国10年期国债收益率在8日升至5.29%1。
购房者的购买力因此受到显著压制。以购买价格40万美元的房子为例，7.4%的利率相比今年最低值5.98%高出1.42个百分点，月供每月多出376美元1。借贷成本的上升对住房需求造成压力2，这也体现在市场数据上：截至10月2日的一周内，抵押贷款申请量较前一周减少4.2%，已连续5周下跌1。
U.S. mortgage rates have climbed to 7.4% for 30-year fixed-rate loans, marking the highest level since November 2023.12 The increase represents the seventh consecutive week of rate hikes, with the rate standing at 7.28% one week prior and 6.3% a year ago.1
The sharp rise in borrowing costs is placing mounting pressure on housing demand and homebuyers' purchasing power.2 For a property priced at $400,000, the current 7.4% rate translates to $376 more in monthly mortgage payments compared to the year's lowest rate of 5.98%.1 Mortgage application volumes have declined for five consecutive weeks, with a 4.2% decrease recorded in the week ending October 2.1
The surge in mortgage rates has been driven by the Federal Reserve's September rate increase and a corresponding rise in U.S. 10-year Treasury yields, which climbed to 5.29% on October 8, exceeding the 3.97% level recorded before heightened tensions with Iran.1
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