2025年9月,抵押贷款利率仍然很高,30年固定贷款平均为6.35%,尽管美联储削减了利率。 Mortgage rates remain high in September 2025, averaging 6.35% for 30-year fixed loans despite a Fed rate cut.

截至2025年9月29日,平均30年固定利率按揭利率为6.345%,与最近几天相比略有上升,大大高于2021年平均2.65%的水平。 As of September 29, 2025, the average 30-year fixed-rate mortgage rate is 6.345%, up slightly from recent days and significantly higher than the 2.65% average seen in 2021. 尽管美联储在9月首次削减了2025年的汇率,但由于持续的经济不确定性、通货膨胀问题以及关税和地缘政治紧张等外部风险,利率仍然居高不下。 Despite the Federal Reserve’s first 2025 rate cut in September, rates remain elevated due to ongoing economic uncertainty, inflation concerns, and external risks like tariffs and geopolitical tensions. 平均再融资率为6.60%,在5年和7年任期内,ARM平均为7.18%。 The average refinance rate stands at 6.60%, with ARMs averaging 7.18% for 5- and 7-year terms. 虽然较低的初始利率使ARM对一些买主具有吸引力,但由于今后的利率调整,它们也带来风险。 While lower initial rates make ARMs attractive for some buyers, they carry risks due to future rate adjustments. 信用强和债务与收入比率低的借款人更有可能获得优惠条件,再融资可能有利于那些试图减少付款、获取股本或转换贷款类型的人,尽管关闭成本和信用检查仍然是障碍。 Borrowers with strong credit and low debt-to-income ratios are more likely to secure favorable terms, and refinancing may benefit those seeking to reduce payments, access equity, or switch loan types, though closing costs and credit checks remain hurdles.