到2026年春季,美国按揭利率可能降到3%以下,因为通货膨胀率降低,竞争加剧,帮助重新融资。 U.S. mortgage rates may fall below 3% by spring 2026 due to lower inflation and increased competition, aiding refinancing.

据按揭顾问说,2026年春季,由于通货膨胀下降和贷款人竞争加剧,美国的按揭利率可能降到3%以下。 Mortgage rates in the U.S. may drop below 3% by spring 2026, driven by declining inflation and increased lender competition, according to mortgage advisers. 随着3.2%的通胀率和进一步削减利率的预期,专家预测会逐渐下降,对顶级借款人而言可能达到2.5%,尽管大多数预期利率将稳定在3.25%至3.5%之间。 With inflation at 3.2% and expectations of further rate cuts, experts predict gradual declines, potentially reaching 2.5% for top borrowers, though most expect rates to stabilize between 3.25% and 3.5%. 大约190万抵押贷款定于2026年到期,为再融资活动火上加油。 Around 1.9 million mortgages are set to mature in 2026, fueling refinancing activity. 改进贷款标准和可负担性评估可有助于使先前被锁在市场之外的借款人重新回到市场之外,尽管预期放款人将避免为维持稳定而采用激烈定价。 Improved lending standards and affordability assessments could help bring back borrowers previously locked out of the market, though lenders are expected to avoid aggressive pricing to maintain stability.