美国抵押贷款违约率在2025年11月上升至3.85%,原因是周日的月底拖延付款,而不是广泛的信贷压力. U.S. mortgage delinquency rose to 3.85% in November 2025 due to a Sunday month-end delaying payments, not broad credit stress.

2025年11月，美国抵押贷款逾期率上升至3.85%，为四年来最高，主要原因是月末日当日，导致付款处理延迟至12月。 U.S. mortgage delinquency rates rose to 3.85% in November 2025, the highest in over four years, primarily due to calendar timing as the month ended on a Sunday, delaying payment processing into December. 增加额增加了275 000笔逾期未还贷款,原因是临时行政影响,而不是信贷普遍恶化,分析人员指出,过去几年在同样条件下也出现了类似的增长。 The increase, which added 275,000 past-due loans, was attributed to temporary administrative effects rather than broad credit deterioration, with analysts noting similar spikes in past years under the same conditions. 尽管从10月起抵押贷款开始下降了31.5%,但活动仍保持同比较高. Despite a 31.5% drop in foreclosure starts from October, activity remained elevated year-over-year. 提前付款速度急剧下降,严重差额上升,尽管地区差距依然存在,路易斯安那州和密西西比州比率较高。 Prepayment speeds declined sharply, and serious delinquencies rose, though regional disparities persisted, with higher rates in Louisiana and Mississippi. 专家说,12月的数据将澄清这一上升是否是暂时的。 Experts say December data will clarify whether the rise is temporary.