美国30年期固定抵押贷款利率升至一年高位6.66%

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.