由于就业和通货膨胀强劲,美国2026年初的高利率增加了消费者的借贷费用。 High U.S. interest rates in early 2026, due to strong jobs and inflation, raise borrowing costs for consumers.

2026年初的强劲就业市场导致持续高利率,增加了消费者在抵押贷款、汽车贷款和信用卡方面的借贷成本。 A strong jobs market in early 2026 has led to sustained high interest rates, increasing borrowing costs for consumers on mortgages, auto loans, and credit cards. 尽管失业率低,工资稳步增长,但美联储以持续的通货膨胀压力为由,推迟了削减利率。 Despite low unemployment and steady wage growth, the Federal Reserve has delayed rate cuts, citing persistent inflationary pressures. 由于放款人为管理风险而维持较高的利率,借款人,特别是首次购房者,每月的支付额较高,负担能力降低。 Borrowers are facing higher monthly payments and reduced affordability, particularly for first-time homebuyers, as lenders maintain elevated rates to manage risk.