美国抵押贷款利率下滑至6.32% 有助于提振购房活动

Core Insights - The recent decline in mortgage rates in the U.S. is expected to stimulate home buying activity, with the 30-year fixed mortgage rate dropping to 6.32%, the lowest in a month [1][2] - The adjustable-rate mortgage for the first five years has also decreased to 5.4%, marking the lowest level since May 2023 [1] - The Mortgage Bankers Association (MBA) reported a 2.5% increase in mortgage applications, reaching the highest level since early 2023, indicating stable potential demand in a challenging housing market [2] Mortgage Activity - The MBA's refinancing activity index has declined for the fifth consecutive week, marking the longest streak of declines in a year [2] - The MBA's survey, conducted weekly since 1990, includes feedback from mortgage bankers, commercial banks, and savings institutions, covering over 75% of the total retail residential mortgage applications in the U.S. [2]