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于10月22日降至7.32%，这是自8月以来首次下跌1。该利率与一周前的7.4%相比有所回落，但较一年前的6.19%明显上升1。
从今年的走势看，30年期抵押贷款利率在2月26日触及最低值5.98%后持续上升1。10月8日该利率一度冲高至7.4%，创下自2023年11月16日以来的最高纪录1。利率的上升直接影响购房成本，以购买40万美元房产为例，月供较最低值时期增加了355美元1。
分析人士预计第四季度30年期抵押贷款利率将维持在7.4%左右1。持续高企的房贷利率削弱了购房者的购买力，房地产市场的低迷状态预计将继续维持1。
Freddie Mac reported that the average 30-year fixed-rate mortgage in the United States declined to 7.32% on October 22, marking the first decrease since August 1. The rate had stood at 7.4% the previous week and at 6.19% one year earlier 1. This latest figure remains 1.34 percentage points above the year's low of 5.98%, recorded on February 26 1.
The 10-year Treasury yield reached 5% on October 22, the same day as the mortgage rate decline 1. For prospective homebuyers, the elevated rates have tangible consequences: purchasing a $400,000 home now carries a monthly payment $355 higher than it would have at the year's lowest rate 1. Analysts anticipate that 30-year mortgage rates will hover around 7.4% throughout the fourth quarter 1. October 8 had seen rates reach 7.4%—the highest level since November 16, 2023 1.
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