美国抵押贷款利率降至近一年低点，再融资热潮升温

Core Viewpoint - The recent decline in mortgage rates in the U.S. has significantly boosted refinancing activity, marking a revitalization in the housing market that has struggled for growth [1] Group 1: Mortgage Rate Changes - The 30-year mortgage contract rate fell by 10 basis points to 6.39% as of the week ending September 12 [1] - Mortgage rates have decreased for three consecutive weeks, providing new momentum to the housing market [1] Group 2: Refinancing and Purchase Applications - The refinancing activity index reached its highest level since early 2022, indicating a surge in refinancing applications [1] - The housing purchase application index also increased, suggesting a rise in demand for home purchases [1] Group 3: Market Expectations - Investors anticipate that the Federal Reserve will begin to lower the benchmark interest rate multiple times in the coming months [1] - The total mortgage activity index monitored by the Mortgage Bankers Association (MBA) has reached its highest point in over three years, encompassing both home purchases and refinancing [1] Group 4: Survey Methodology - The MBA's survey, conducted weekly since 1990, includes mortgage banks, commercial banks, and savings institutions, covering over 75% of retail housing mortgage applications in the U.S. [1]