抵押贷款利率上升拖累，美国房价4月创近两年最大环比跌幅

Group 1 - The core viewpoint is that high mortgage rates are limiting buyers' purchasing power, leading to a slowdown in U.S. home price growth, with a year-over-year increase of only 2.7% in April, the smallest since summer 2023, and a month-over-month decline of 0.31%, the largest since December 2022 [1][3][4] - The National Association of Realtors reported that April home sales were the worst for the same month since 2009, indicating a continued weak housing market in May despite a slight increase in sales [3][4] - The real estate market is undergoing a transformation, with a shift from rapidly rising prices to a more selective market where local factors are more significant than national trends, affecting previously hot markets the most [4][6] Group 2 - Tampa has seen the largest decline in home prices nationally, exemplifying the current downward trend, with mortgage rate fluctuations being a key factor influencing price movements [6] - The relationship between home price growth and the Federal Reserve's reserve levels suggests that prices may remain under pressure in the coming months before potentially accelerating again, as seen in past instances of rate cuts [6]