美国30年期固定抵押贷款平均利率上升至6.66%，创下一年来最高水平，已连续四周上升[1]。该利率从前一周的6.58%上涨[1]，与一年前的6.72%相比略低[1]。同期，15年期固定利率抵押贷款平均利率也从5.96%升至6.04%，高于一年前的5.85%[1]。
房贷利率的持续攀升主要源于多方面因素共同推动[1]。10年期美债收益率从2月底的3.97%上升至4.66%，显著拉高了抵押贷款成本[1]。此外，伊朗冲突自2月末以来推高了原油价格，引发通胀预期上升[1]。上升的利率水平已抑制购房者的购买力，进而压低了今年美国房屋销售表现[1]。
The average interest rate on a 30-year fixed-rate mortgage in the United States has risen to 6.66%, marking its highest point in the past year [1]. This increase represents the fourth consecutive week of rate growth, having climbed from 6.58% in the previous week [1]. For comparison, the 30-year rate stood at 6.72% one year ago [1]. Similarly, the 15-year fixed-rate mortgage average has increased to 6.04%, up from 5.96% the prior week, compared to 5.85% a year earlier [1].
The upward pressure on mortgage rates stems from several macroeconomic factors. The 10-year Treasury yield has risen significantly to 4.66%, substantially higher than the 3.97% level recorded at the end of February [1]. This surge in bond yields reflects rising inflation expectations and geopolitical tensions, particularly an Iran-related conflict that began in late February and has driven crude oil prices higher [1]. The combination of elevated borrowing costs and reduced purchasing power for homebuyers has dampened housing sales across the country this year [1].