美联储降息预期升温之际，房贷利率骤降10基点点燃再融资热潮

Core Insights - The 30-year mortgage rate in the U.S. has dropped to 6.67%, the lowest since early April, prompting homeowners to refinance for lower costs, but the impact on attracting new homebuyers is limited [1] - The Mortgage Bankers Association reported a 23% surge in refinancing applications, the highest in four months, while purchase applications only saw a slight increase of 1% [1] - High mortgage rates combined with rising home prices have created significant pressure, leading to a nine-month low in existing home sales in June [1] Economic Indicators - Despite the Federal Reserve maintaining short-term interest rates, concerns about potential inflation from tariffs imposed by the Trump administration persist [1] - Recent comments from some Federal Reserve officials indicate increased concern over the labor market, raising expectations for a rate cut in September, especially with July's consumer inflation rate stable at 2.7% [1] - The Kansas City Fed President has expressed caution regarding rate cuts, emphasizing the need to observe more economic data before making decisions [1] Historical Context - Historical data shows that prior to the last rate cut in September 2024, mortgage rates significantly declined due to a weak labor market, which prompted the Fed to implement a larger-than-usual half-point cut [2] - The current market is closely monitoring whether this round of policy adjustments can revitalize the housing market [2]