凯德北京投资基金管理有限公司：美国房贷利率跌至新低

Group 1 - The core point of the article is that the 30-year mortgage rate in the U.S. has decreased for four consecutive weeks to 6.35%, the lowest level since October of the previous year, leading to a rebound in home buying demand, although high home prices remain a significant barrier [2][3]. Group 2 - The decline in mortgage rates is supported by expectations of a pause in interest rate hikes by the Federal Reserve, a drop in the 10-year U.S. Treasury yield, and weak economic data prompting safe-haven buying [4]. - On the demand side, mortgage applications increased by 12% week-over-week, while on the supply side, the number of homes listed for sale remains 40% lower than pre-pandemic levels [5]. - The median home price has risen by 4.5% year-over-year, indicating a price stalemate despite increased demand [5]. Group 3 - The article warns that the recent decline in rates may only provide a temporary respite, and a true recovery in the U.S. housing market will require more significant rate cuts. Homebuyers are advised to be cautious to avoid falling into a "rate trap" [5].