房贷利率走低、房价趋稳、市场在售房源供应增加——这些因素共同推动当下美国购房者的购房可负担 性有所改善。然而，对于首次购房者而言，攒首付仍是最大的难题。 据每日追踪美国房价的Parcl Labs数据显示，当前美国全国房价与去年同期基本持平。本月早些时候， 房价曾一度出现同比下跌，目前同比仅上涨0.3%。 反映10月房价情况的最新S&P Cotality Case-Shiller房价指数显示，各大都市圈市场表现差异显著。在该 指数重点跟踪的20个核心市场中，芝加哥、纽约和克利夫兰的房价涨幅最大；与此同时，有8个城市房 价出现同比下跌，其中佛罗里达州坦帕市、亚利桑那州凤凰城和得克萨斯州达拉斯市的跌幅最为明显。 标普道琼斯指数固定收益可交易产品及大宗商品负责人Nicholas Godec在一份声明中解释道："美国房价 的上涨速度仍落后于消费者通胀水平——基于美国财政部因联邦数据停摆而发布的临时指数，10月消费 者物价指数（CPI）预计约为3.1%，比最新房价涨幅高出约1.8个百分点。扣除通胀因素后，这一差距意 味着过去一年经通胀调整后的房价实际略有下跌。" 房贷利率同样呈现下行趋势。 据Mortgage News ...

Group 1 - The confidence of U.S. home builders unexpectedly declined in June to the lowest level in two and a half years, with the housing market index dropping from 34 in May to 32, the lowest since December 2022 [1] - All three indicators measured in the survey, including current sales conditions, future sales expectations, and buyer traffic, showed a decline, with only the Northeast region experiencing a slight increase [1] - NAHB's chief economist Robert Dietz indicated that high inventory levels and potential buyers waiting for more affordable home prices are suppressing price growth and causing declines in second-hand home prices in more markets [1] Group 2 - NAHB Chairman Buddy Hughes noted that high mortgage rates, tariffs from the Trump administration, and overall economic uncertainty are causing more buyers to adopt a wait-and-see approach [2] - In June, 37% of builders reported lowering home prices, the highest percentage since tracking began in 2022, up from 34% in May and 29% in April [2] - The average price reduction remained at 5%, while the proportion of builders using various sales incentives increased from 61% in May to 62% [2]