美国30年期固定房贷利率降至6.29% 创11个月来最大单日跌幅

Group 1 - The 30-year fixed mortgage rate in the U.S. dropped significantly by 16 basis points to 6.29%, marking the lowest level since October 3, 2024, and the largest single-day decline since August of the previous year [1] - The decline in mortgage rates is attributed to a weaker-than-expected August employment report, which has been a major trigger for interest rate fluctuations in the bond market [1] - Many lenders are offering actual rates below the October 3 level, with some quotes entering the high 5% range, representing a nearly 80 basis point drop from the May peak of 7.08% [1] Group 2 - Despite the drop in mortgage rates, there has not been a significant rebound in buyer demand, with mortgage applications for home purchases falling by 6.6% compared to four weeks prior [2] - The current market conditions present challenges for buyers, sellers, and builders, with affordability issues and increased competition among sellers impacting the real estate market [2] - Analysts suggest that a true revival in suppressed buyer demand may only occur if mortgage rates fall into the 5% range, as overall home prices remain high despite a slowdown in price growth [2]