9月,美国房价略有上涨,再融资激增,但是在利率上升和取消赎回权的开始之际,可负担性仍然是一项挑战。 U.S. home prices rose slightly in September, refinancing surged, but affordability remains a challenge amid rising rates and foreclosure starts.

美国的房价从8月上升了1.4%,从一年前上升了1.3%,标志着增长放缓的第十个连续月,芝加哥、纽约和波士顿等主要城市取得了巨大收益,而凤凰城和迈阿密等太阳带地区则继续下滑。 U.S. home prices rose 1.4% in September from August and 1.3% from a year earlier, marking the tenth straight month of slowing growth, with major cities like Chicago, New York, and Boston seeing strong gains while Sun Belt areas such as Phoenix and Miami continued to decline. 在FHA和VA贷款的推动下,截至10月,抵押贷款拖欠率降至3.34%,60天以上的贷款减少,但取消赎回权开始增加30%,销售前库存最近创下高点。 Mortgage delinquency rates fell to 3.34% by October, with fewer loans 60+ days late, though foreclosure starts rose 30% year-over-year and pre-sale inventory hit a recent high, driven by FHA and VA loans. 由于提前还款利率为1.01%，为三年多来最高，再融资激增，而购房申请周比增长8%，较去年同期增长20%，尽管30年期固定利率为6.4%，为自去年十月以来最高，且持续面临负担能力挑战。 Refinancing surged due to a 1.01% prepayment rate, the highest in over three years, while purchase applications rose 8% week-over-week and 20% from a year earlier, despite a 30-year fixed rate at 6.4%, the highest since October, and persistent affordability challenges.