美国的抵押利率在2025年11月仍然很高,30年固定利率为6.236%,尽管美联储降低了利率,但限制再融资呼吁。 U.S. mortgage rates remain high in November 2025, with 30-year fixed rates at 6.236%, limiting refinancing appeal despite Fed rate cuts.

截至2025年11月24日,美国按揭利率仍然很高,平均30年固定利率按揭率为6.236%,再融资率为6.33%,在两次美联储减息后略有下降。 As of November 24, 2025, U.S. mortgage rates remain high, with the average 30-year fixed-rate mortgage at 6.236% and refinance rates at 6.33%, showing modest declines after two Federal Reserve rate cuts. 可调整利率的抵押(ARMs)也有所增加,在主要放款人中,7/6的ARMs从5.500%到6.000%不等。 Adjustable-rate mortgages (ARMs) are also elevated, with 7/6 ARMs ranging from 5.500% to 6.000% among major lenders. 尽管美联储放松措施,利率仍然远远高于大流行病时代的低水平,促使房主根据关闭成本和资格权衡再融资效益。 Despite Fed easing, rates stay well above pandemic-era lows, prompting homeowners to weigh refinancing benefits against closing costs and eligibility. 拥有强大信贷和低债务的借款人最有能力获得优惠条件。 Borrowers with strong credit and low debt are best positioned to secure favorable terms.