2025年11月的抵押贷款利率略有下降,但由于通货膨胀和政策,仍然居高不下。 Mortgage rates dip slightly in Nov. 2025 but remain high due to inflation and policy.

根据Zillow和最佳蓝色数据,截至2025年11月17日,30年固定按揭平均利率为6.30%,比最近的高点略有下降,但仍远远高于流行病时代的低点。 As of November 17, 2025, the average 30-year fixed mortgage rate is 6.30%, down slightly from recent highs but still well above pandemic-era lows, according to Zillow and Optimal Blue data. 2025年9月和10月美联储削减利率使利率略有缓解,但通货膨胀关切和经济政策继续使借贷成本居高不下。 Federal Reserve rate cuts in September and October 2025 have eased rates modestly, yet inflation concerns and economic policies continue to keep borrowing costs elevated. 可调整的抵押率仍然很高,7/6亚美尼亚马克为5.625%至6.125%。 Adjustable-rate mortgages remain high, with 7/6 ARMs ranging from 5.625% to 6.125%. 重新融资可能使借款人受益,因为借款人能够保证利率至少降低一个百分点,特别是那些从ARM转换为固定利率或获取股本的借款人。 Refinancing may benefit borrowers who can secure a rate at least one percentage point lower, especially those switching from ARMs to fixed rates or accessing equity. 然而,关闭成本、信用评分和债务与收入比率仍是关键障碍。 However, closing costs, credit scores, and debt-to-income ratios remain key hurdles. 建议未来的借款人比较报价并评估长期承受能力,尤其是与在最初固定期限结束后有风险的ARM相比较。 Prospective borrowers are advised to compare offers and assess long-term affordability, particularly with ARMs, which carry risks after their initial fixed period ends.