2026年3月初,美国按揭利率略有下降,使再融资和购买活动进一步接近多年最低利率。 U.S. mortgage rates dipped slightly in early March 2026, boosting refinancing and purchase activity as rates near multi-year lows.

截至2026年3月2日,美国平均30年固定抵押利率为5.937%,比前一天略有下降,而15年利率上升到53.34%。 As of March 2, 2026, the average 30-year fixed mortgage rate in the U.S. is 5.937%, down slightly from the previous day, while 15-year rates rose to 5.334%. 由于可负担性提高和费率降低,再融资申请每周增加4%,而采购活动仍比一年前高12%。 Refinance applications increased 4% week-over-week, driven by improved affordability and lower rates, with purchase activity remaining 12% higher than a year ago. 6%以上的房主比率现在超过了五年来首次低于3%的房主比率,尽管平均比率从2025年2月的6.76%有所下降。 Homeowners with rates above 6% now outnumber those with rates below 3% for the first time in five years, though the average rate has declined from 6.76% in February 2025. 专家们建议,再融资可能对某些人有利,特别是因为利率仍然接近多年最低水平,而且住房供应情况有所改善。 Experts suggest refinancing may be beneficial for some, especially as rates remain near multi-year lows and home availability improves.