美国8月二手房销售年化速率小幅下降，降息推动住房成交逐步修复

Group 1 - The core viewpoint of the article indicates a slight decline in the annualized rate of existing home sales in the U.S. for August, with a decrease of 0.2% from July, totaling 4 million units sold. The median home price has increased by 2% year-over-year to $422,600, marking the 26th consecutive month of year-over-year price increases [1][3]. Group 2 - NAR's Chief Economist, Lawrence Yun, noted that the housing market has been sluggish due to high mortgage rates and limited inventory. However, declining mortgage rates and an increase in available homes are expected to boost sales in the coming months [3]. - According to a report from China International Capital Corporation (CICC), the main variable affecting the U.S. economy and housing market is interest rates. A successful implementation of interest rate cuts could positively influence expectations for households and businesses, potentially alleviating affordability pressures for homebuyers and gradually restoring housing transactions [3]. - CICC also highlighted that U.S. home prices reached a historical peak in 2021, and while they have remained high since 2022, the actual growth rate has turned negative. The pandemic may signify a turning point for inflation and interest rates, suggesting limited future potential for real gains in home prices [3]. - Recent data from Freddie Mac indicates that the average rate for a 30-year fixed mortgage has dropped to 6.58%, the lowest since last fall, although it remains significantly higher than levels seen during the early recovery phase post-pandemic [3].