美国的按揭利率在2025年12月初达到6.22%,仍然低于去年的水平。 U.S. mortgage rates edged up to 6.22% in early December 2025, remaining below last year’s levels.

2025年12月初,美国平均30年固定抵押利率略有上升,从上星期的6.19%上升到6.22%,但仍接近当年的最低水平。 The average U.S. 30-year fixed mortgage rate rose slightly to 6.22% in early December 2025, up from 6.19% the prior week, but remained near its lowest level for the year. 尽管情况有所好转,利率仍低于一年前的6.6%平均数,加上联邦储备基金的利率稳定以及10年国库收益率略有上升。 Despite the uptick, rates stayed below the 6.6% average from a year ago, supported by a stable Federal Reserve interest rate and a modest rise in the 10-year Treasury yield. 由于借款人寻求较低的利率,再融资需求增加了10%,而对于许多购房者而言,可负担性仍然是一项挑战。 Refinancing demand increased 10% as borrowers sought lower rates, while affordability remains a challenge for many homebuyers. 经济学家预期未来一年的房价将略高于6%,预计房价会略有增长。 Economists expect rates to stay slightly above 6% in the coming year with modest home price growth anticipated.