美国的按揭利率达到30年固定利率的6.1%,接近三年最低水平,但与2022年以前的水平相比仍然很高。 U.S. mortgage rates edged up to 6.1% for the 30-year fixed, near three-year lows, but remain high compared to pre-2022 levels.

美国平均水平。 The average United States. Freddie Mac指出,30年固定抵押利率连续第二周上升至6.1%,接近三年多来的最低水平。 According to Freddie Mac, the 30-year fixed mortgage rate increased for the second week in a row to 6.1%, remaining near its lowest level in more than three years. 15年固定利率也升至5.49%。 The 15-year fixed rate also rose to 5.49%. 由于美联储最近的政策变化以及通货膨胀预期和地缘政治紧张等经济因素,这两个比率都大大低于一年前。 Both rates are significantly lower than a year ago, thanks to recent Federal Reserve policy changes and economic factors such as inflation expectations and geopolitical tensions. 尽管借贷成本有所增加,但与最近高额相比,借贷成本仍然较低,尽管抵押贷款申请总体下降8.5%,再融资减少16%。 Despite the increase, borrowing costs remain low compared to recent highs, though mortgage applications fell 8.5% overall, with refinancing down 16%. 住房销售在12月略有增加,但由于价格高和库存有限,可负担性仍然受到限制。 Home sales increased modestly in December, but affordability remains constrained due to high prices and limited inventory. 经济学家预计2026年的利率将保持在6%以上,在利率进一步下降和住房供应改善之前限制市场总体复苏。 Economists expect rates to remain above 6% in 2026, limiting overall market recovery until rates fall further and housing supply improves.