美国30年期贷款利率降至6.56% 创10个月来最低值

Core Points - Freddie Mac reported that the average rate for a 30-year fixed mortgage in the U.S. has dropped to 6.56%, the lowest since October 2024, marking a continuous decline for six weeks [1] - The previous week's rate was 6.58%, and the rate a year ago was 6.35%, indicating a year-over-year increase [1] - Despite the decrease in mortgage rates, there has not been a corresponding increase in existing home sales, which were reported at an annualized rate of 4.01 million units in July, a 2% month-over-month decline but a 0.8% year-over-year increase [1] - The mortgage rates are influenced by the Federal Reserve's federal funds rate and the yield on the 10-year U.S. Treasury [1] - Federal Reserve Chairman Jerome Powell indicated potential adjustments to policy due to risks in the job market and inflation, which the market interprets as a signal for possible interest rate cuts [1] Economic Analysis - Analysts believe that a reduction in interest rates by the Federal Reserve could benefit the job market and overall economy, but it may also exacerbate inflation, potentially leading to higher yields on 10-year Treasury bonds and increased mortgage rates [2] - Economists predict that the average rate for a 30-year fixed mortgage will remain around 6.5% in the coming months [2]