美国抵押贷款利率降至年内最低

Group 1 - The core point of the article is that U.S. mortgage rates have dropped to their lowest level for the year 2025, providing a boost to local investors and homebuyers [1][3] - Freddie Mac reported that the 30-year fixed mortgage rate fell to 6.15% for the week ending December 31, 2025, a decrease of 0.03 percentage points from the previous week, marking the lowest level since October 2024 [1][3] - The decline in mortgage rates is seen as a positive signal for potential homebuyers entering the new year, especially after a prolonged period of high rates that have pressured the housing market since 2022 [3] Group 2 - The U.S. housing market has faced significant challenges, with existing home sales hitting their lowest levels since the mid-1990s in both 2023 and 2024, and similar records are expected for 2025 [3] - The recent drop in mortgage rates is expected to inject new momentum into the sluggish U.S. housing market for most of 2025, with many economists predicting this trend may continue into 2026 as wage growth outpaces inflation [3] - Analysts emphasize the importance of monitoring the 10-year U.S. Treasury yield, which is a key indicator of mortgage rate trends, especially as the early months of the year are a peak time for families considering home purchases [3]