美国的按揭利率在2026年2月初略有下降,但由于可负担性和库存问题,房屋销售量仍然较低。 U.S. mortgage rates dipped slightly in early February 2026, but home sales remain low due to affordability and inventory issues.

美国30年的固定按揭平均利率在2026年2月初降至6.09%,比前一周的6.11%略有下降,据Freddie Mac说,从三周前恢复到三周前的水平。 The average U.S. 30-year fixed mortgage rate eased to 6.09% in early February 2026, down slightly from 6.11% the prior week, according to Freddie Mac, returning to levels from three weeks earlier. 15年固定利率也下降至5.44%。 The 15-year fixed rate also dropped to 5.44%. 10年的国库财政收益率下降之后,这一下降。 The decline followed a drop in the 10-year Treasury yield. 尽管住房销售率略有下降,但由于可负担性问题、库存低以及许多房主仍然采用低利率抵押贷款,房屋销售量仍然接近30年来的最低水平。 Despite the slight rate decrease, home sales remain near 30-year lows due to affordability issues, low inventory, and many homeowners staying put with low-rate mortgages. 美联储在1月暂停削减利率, 经济学家预计目前利率将维持在6%左右。 The Federal Reserve paused rate cuts in January, and economists expect rates to hold near 6% for now.