美国的抵押贷款利率在2025年9月17日达到近年最低点,30年固定利率为6.208%。 U.S. mortgage rates hit a near-year low on September 17, 2025, with the 30-year fixed rate at 6.208%.

美国的抵押贷款利率已下降到近一年来的最低水平,截至2025年9月17日,平均30年固定利率抵押贷款降至6.208%,比前一天下降了5个基点。 Mortgage rates in the U.S. have fallen to their lowest level in nearly a year, with the average 30-year fixed-rate mortgage dropping to 6.208% as of September 17, 2025, down 5 basis points from the previous day. 自8月底以来,由于对美联储9月16日至17日会议的期望,这一下降趋势一直呈下降趋势。 This decline follows a downward trend since late August, driven by expectations around the Federal Reserve’s September 16–17 meeting. 30年固定抵押的平均再融资率为6.39%,而5年期的ARM为7.23%。 The average refinance rate for a 30-year fixed mortgage is now 6.39%, while 5-year ARMs stand at 7.23%. 较低的利率可为购房者和再融资者提供更好的条件,不过,根据市场基准,在最初的固定期限之后,ARM利率可以调整。 Lower rates may offer homebuyers and refinancers better terms, though ARM rates can adjust after an initial fixed period based on market benchmarks.