美国的按揭利率在2025年10月略有下降,预测由于预期的美联储利率削减,购房和再融资会增加。 U.S. mortgage rates dipped slightly in October 2025, with forecasts of increased home buying and refinancing due to expected Fed rate cuts.

截至2025年10月20日,美国按揭利率略有下降,30年平均固定利率为6.19%,再融资利率为6.33%,低于最近近7%的高点。 As of October 20, 2025, U.S. mortgage rates show modest declines, with the average 30-year fixed rate at 6.19% and refinance rates at 6.33%, down from recent highs near 7%. 可调整利率的抵押贷款仍然具有竞争力,7/6ARM利率从5.625%至5.875%不等。 Adjustable-rate mortgages remain competitive, with 7/6 ARM rates ranging from 5.625% to 5.875%. 房贷银行家协会预测2026年有2.2万亿美元的抵押贷款来源,其驱动因素是预期的美联储利率削减、住房供应增加和可负担性提高。 The Mortgage Bankers Association forecasts $2.2 trillion in mortgage originations in 2026, driven by expected Fed rate cuts, rising home supply, and improved affordability. 尽管长期收益率提高,但较低的借贷成本可能会鼓励再融资和购房,特别是对于信贷和股本雄厚的借款人而言。 Despite elevated long-term yields, lower borrowing costs may encourage refinancing and homebuying, especially for borrowers with strong credit and equity.