美联储在2022年9月17日将利率减少25个基点, The Fed cut interest rates by 25 basis points on Sept. 17, 2022, marking its first reduction since 2021 amid cooling inflation and labor markets.

美联储在2022年9月17日将基准利率削减25个基点, 降至44.25%, 这是2021年12月以来第一次降低利率, The Federal Reserve cut its benchmark interest rate by 25 basis points to 4%–4.25% on September 17, 2022, its first reduction since December 2021, reflecting a shift from restrictive to neutral monetary policy amid softening labor data and inflation still above target. 虽然这一举动对按揭利率的直接影响有限,但更受10年期国库和债券市场驱动,随着时间的推移,长期利率可能会逐渐降低。 While the move has limited immediate impact on mortgage rates—driven more by the 10-year Treasury and bond markets—it may gradually lower long-term rates over time. 最近的按揭利率已经降到11个月的最低点,即6.35%,继续降低利率可以减轻借贷成本,支持再融资,并减轻家庭债务负担。 Recent mortgage rates have already fallen to an 11-month low of 6.35%, and continued rate cuts could ease borrowing costs, support refinancing, and relieve household debt burdens. 可调整利率的抵押贷款由于与像SOFR这样的短期利率挂钩而更直接地受到影响。 Adjustable-rate mortgages are more directly affected due to their link to short-term rates like SOFR.