美国抵押贷款利率小幅下行，仍高于去年同期

美国抵押贷款市场本周出现小幅缓解迹象。130年期固定利率抵押贷款平均率从上周的6.67%下降至6.65%，15年期固定利率抵押贷款平均率也从5.96%降至5.95%。1然而，尽管出现近期回落，两种期限的利率水平仍然高于去年同期水平，30年期利率比去年同期的6.58%高出7个基点，15年期利率则比去年同期的5.69%高26个基点。1

美国房屋市场在持续高利率压力下表现疲软。110年期国债收益率在周四中午达到4.71%，较2月底的3.97%明显上升。1为稳定债券市场，美国财政部宣布未来几个月将政府债券回购规模至少增加一倍。1房屋销售连续多年低迷，2023年销售基本持平并处于30年来的最低水平。1

U.S. mortgage rates declined this week, though they continue to exceed their year-ago levels. The average rate for 30-year fixed-rate mortgages fell to 6.65% from 6.67% the previous week 1, while 15-year fixed-rate mortgages decreased to 5.95% from 5.96% 1. Despite the modest relief, both products remain elevated compared to a year earlier: the 30-year rate was 6.58% at this time last year, and the 15-year rate stood at 5.69% 1.

The persistence of higher mortgage rates reflects broader pressure in financial markets. The 10-year Treasury yield reached 4.71% as of Thursday midday 1, a significant jump from 3.97% before late February 1. In response to these market conditions, the U.S. Department of Treasury announced plans to at least double the size of its government debt buyback program for the coming months 1. The sustained elevation in rates has weighed heavily on the housing sector, with home sales continuing their multiyear downturn and remaining near 30-year lows, having essentially stalled through 2023 1.