美国30年期贷款利率降至6.35% 创近一年来最低值

Core Viewpoint - The average rate for a 30-year fixed mortgage in the U.S. has decreased to 6.35%, the lowest since October 2024, influenced by expectations of a Federal Reserve interest rate cut [1][1][1] Mortgage Rates - The average rate for a 30-year fixed mortgage fell from 6.5% last week to 6.35% [1][1] - A year ago, the average rate was 6.2%, indicating a year-over-year increase [1][1] Influencing Factors - Mortgage rates are affected by the Federal Reserve's federal funds rate and the yield on 10-year U.S. Treasury bonds [1][1] - Media reports suggest that expectations of a Federal Reserve rate cut in September are the primary reason for the decline in mortgage rates [1][1] Market Impact - The decrease in mortgage rates is expected to enhance the purchasing power of potential homebuyers, which is positive news for the real estate market [1][1] - The Mortgage Bankers Association reported that mortgage application volume reached its highest level in three years last week [1][1] Employment Data - Recent data indicates a weakening job market, with the U.S. Labor Department reporting an addition of only 22,000 jobs in August, significantly below market expectations [1][1] - The unemployment rate rose to 4.3%, marking a 0.1 percentage point increase for the second consecutive month [1][1]