美国30年期贷款利率升至6.66% 创一年来最高值

房地美公布的最新数据显示，美国30年期固定抵押贷款平均利率升至6.66%，创自去年7月31日以来的最高值1。利率较一周前的6.58%有所上升1，但低于一年前的6.72%1。

此次利率上升与美联储和债市表现密切相关1。美国10年期国债收益率已升至4.66%，远高于伊朗战事发生前的3.97%1。美联储在29日宣布将联邦基金利率目标区间维持在3.5%至3.75%之间不变1。今年2月26日，该利率曾创下三年来最低值5.98%1。业内分析认为，贷款利率的上升将削弱购房者购买力，对房地产市场复苏造成不利影响1。截至7月24日的一周内，抵押贷款申请量较此前一周下降了6.4%1。

Freddie Mac data reveals that the average fixed-rate mortgage for 30-year loans in the United States has risen to 6.66%, marking the highest level since July 31 of the previous year 1. The increase reflects a week-over-week gain from 6.58%, though it remains slightly lower than the 6.72% recorded one year ago 1.

The surge in mortgage rates reflects broader market pressures, particularly the climb in the 10-year Treasury yield to 4.66%, a substantial jump from the 3.97% level recorded before tensions in the Middle East escalated 1. Meanwhile, the Federal Reserve maintained its federal funds rate target range at 3.5% to 3.75% on July 29 1. Earlier this year, on February 26, mortgage rates had dipped to their lowest point in three years at 5.98%, but the recent upward trajectory suggests a reversal of that trend 1. Mortgage application volume for the week ending July 24 declined 6.4% compared to the prior week, signaling potential headwinds for housing market activity 1.