美国30年抵押贷款利率在2025年10月下降到6.27%,是2024年初以来最低的,但由于住房短缺和昂贵住房,利率仍然居高不下。 U.S. 30-year mortgage rates dropped to 6.27% in October 2025, their lowest since early 2024, but remain high due to housing shortages and expensive homes.

美国30年的固定按揭利率在2025年10月中旬下降到6.27%,这是2024年10月初以来最低的,因为美联储在一年多的时间里第一次削减利率,而国库收益却在下降。 U.S. 30-year fixed mortgage rates fell to 6.27% in mid-October 2025, the lowest since early October 2024, driven by the Federal Reserve’s first rate cut in over a year and declining Treasury yields. 15年固定利率降至5.52%。 The 15-year fixed rate dropped to 5.52%. 尽管出现了下降,但利率仍然远远高于一年前的平均6.44%,而且仍然太高,大多数买家买不起没有高收入的房屋。 Despite the decline, rates remain well above the 6.44% average from a year ago and are still too high for most buyers to afford homes without significant income. 专家说,到2025年底,这一比例可能保持在6%左右,到2026年年中可能降到5%,但由于住房持续短缺和房价高企,负担能力仍然是一大障碍。 Experts say rates are likely to stay near 6% through late 2025, with a possible dip to the mid-5% range by mid-2026, but affordability remains a major barrier due to persistent housing shortages and high home prices.