2025年10月,美国30年抵押贷款利率保持在6.296%,尽管9月美联储削减了利率,但仍居高不下。 U.S. 30-year mortgage rates hold at 6.296% in October 2025, remaining high despite a September Fed rate cut.

截至2025年10月13日,美国30年固定利率平均按揭利率为6.296%,与最近几天相比略有上升,超过6%,尽管9月美联储降低了利率。 As of October 13, 2025, the average U.S. 30-year fixed-rate mortgage rate is 6.296%, slightly up from recent days and above 6% despite a Federal Reserve rate cut in September. 与大流行病低点相比,利率仍然较高,如果借款人能够确保至少减少一个百分点,则再融资最有利。 Rates remain elevated compared to pandemic lows, with refinancing most beneficial when borrowers can secure at least a one-percentage-point reduction. 可调整利率抵押贷款(ARMs)五年平均为7.16%,七年为7.66%,初始利率较低,但可在固定期限之后调整。 Adjustable-rate mortgages (ARMs) average 7.16% for five years and 7.66% for seven years, offering lower initial rates but adjustable terms after the fixed period. 虽然一些借款人可能从再融资中受益,以减少付款或获取股本,但批准取决于信贷、收入和债务水平。 While some borrowers may benefit from refinancing to reduce payments or access equity, approval depends on credit, income, and debt levels. 放款人继续在经济不稳定的情况下管理风险,进一步降低美联储的利率可能会影响今后的借贷成本。 Lenders continue to manage risk amid economic uncertainty, and further Fed rate cuts could influence future borrowing costs.