中新社华盛顿10月2日电 (记者 沙晗汀)美国住房金融机构房地美(Freddie Mac)当地时间2日公布数据显 示，美国30年期固定抵押贷款平均利率升至6.34%，已连续两周上涨。 数据显示，美国30年期固定抵押贷款平均利率当天升至6.34%，一周前该数据为6.3%，一年前该数据为 6.12%。 美国房贷利率受美联储联邦基金利率和美国10年期国债收益率等因素影响。美媒认为，美联储降息并不 一定会带来房贷利率的下降。受美联储降息预期影响，房贷利率自7月以来一直呈下降趋势，但自美联 储9月17日宣布降息以来，房贷利率已连续两周上涨。 尽管市场普遍预计美联储今年还将降息两次，但经济学家预计，30年期固定抵押贷款平均利率到年底仍 将维持在6.5%左右。 分析人士指出，过去几个月房贷利率的下降在一定程度上提振了潜在购房者的信心，成屋销售量出现上 涨。但联邦政府"停摆"如果持续下去，将对房地产市场带来不利影响。 由于共和党和民主党未能就临时预算案达成一致，美国联邦政府10月1日因资金用尽"停摆"。这是自 2019年以来美国联邦政府首次"停摆"。(完) ...

Core Viewpoint - The average rate for a 30-year fixed mortgage in the U.S. has decreased to 6.35%, the lowest since October 2024, influenced by expectations of a Federal Reserve interest rate cut [1][1][1] Mortgage Rates - The average rate for a 30-year fixed mortgage fell from 6.5% last week to 6.35% [1][1] - A year ago, the average rate was 6.2%, indicating a year-over-year increase [1][1] Influencing Factors - Mortgage rates are affected by the Federal Reserve's federal funds rate and the yield on 10-year U.S. Treasury bonds [1][1] - Media reports suggest that expectations of a Federal Reserve rate cut in September are the primary reason for the decline in mortgage rates [1][1] Market Impact - The decrease in mortgage rates is expected to enhance the purchasing power of potential homebuyers, which is positive news for the real estate market [1][1] - The Mortgage Bankers Association reported that mortgage application volume reached its highest level in three years last week [1][1] Employment Data - Recent data indicates a weakening job market, with the U.S. Labor Department reporting an addition of only 22,000 jobs in August, significantly below market expectations [1][1] - The unemployment rate rose to 4.3%, marking a 0.1 percentage point increase for the second consecutive month [1][1]

美国房贷利率受美联储联邦基金利率和美国10年期国债收益率等因素影响。美媒认为，对美联储9月降 息预期是导致房贷利率下降的主要因素。房贷利率的下降将增加潜在购房者的购买力，对于房地产市场 而言是"好消息"。 美国住房金融机构房地美(FreddieMac)当地时间11日公布数据显示，美国30年期固定抵押贷款平均利率 降至6.35%，是自2024年10月以来最低值。 数据显示，美国30年期固定抵押贷款平均利率当天降至6.35%，一周前该数据为6.5%，一年前该数据为 6.2%。 据抵押贷款银行家协会(MortgageBankersAssociation)数据显示，抵押贷款申请量(包括购房贷款或现有抵 押贷款再融资)上周升至三年来最高水平。 分析人士认为，近来数据显示就业市场进一步疲软，预计美联储大概率在9月中旬的货币政策会议后宣 布降息，并且之后可能连续降息。 美国劳工部本月5日公布的数据显示，美国8月非农部门新增就业2.2万人，远低于市场预期；失业率升 至4.3%，连续第二个月环比上升0.1个百分点。 资讯编辑：周小燕 021-26096760 资讯监督：乐卫扬 021-26093827 资讯投诉：陈跃进 021 ...

Group 1: Mortgage Rates and Market Reaction - The average rate for a 30-year fixed mortgage in the U.S. dropped by 16 basis points to 6.29%, the lowest since October 3, 2022, and the largest single-day decline since August 2024 [1] - This decline in mortgage rates is a direct response to the disappointing U.S. non-farm payroll report for August, highlighting the importance of economic data in influencing market rates [1] - Many lenders are now offering rates in the high 5% range, a significant improvement compared to the peak of 7.08% in May 2023 [1] Group 2: Housing Market and Builder Stocks - Homebuilder stocks such as Lennar, D.R. Horton, and Pulte rose approximately 3% following the mortgage rate decline, with the housing ETF ITB gaining nearly 13% over the past month [2] - Berkshire Hathaway disclosed new positions in Lennar and D.R. Horton, with Lennar receiving about 7.05 million shares valued at approximately $780 million, and D.R. Horton acquiring over 1.48 million shares valued at about $191 million [2][3] Group 3: Buyer Demand and Market Challenges - Despite the drop in mortgage rates, mortgage applications for home purchases fell by 6.6% compared to four weeks prior, indicating a lack of immediate buyer response [4] - Economic uncertainty and high home prices continue to challenge potential buyers, with analysts suggesting that a mortgage rate drop to the 5% range would be necessary to significantly impact buyer activity [4]

美国30年期固定抵押贷款利率在周五大幅下跌16个基点至6.29%，创下自2024年10月3日以来最低水 平，并录得自去年8月以来的最大单日跌幅。据Mortgage News Daily数据显示，此次下跌主要受一份弱 于预期的8月就业报告影响。此前，房贷利率已连续数月徘徊在6%高位区间，此番突破为购房者带来明 显缓解。 Mortgage News Daily首席运营官Matt Graham表示："这是市场对备受期待的就业数据作出的直接反应。 债券市场一直将就业报告视为利率波动的最大潜在触发因素。"他在X平台发文指出，许多贷款机构的 实际利率甚至已低于10月3日的水平，部分报价进入高5%区间。 Realtor.com首席经济学家Danielle Hale在就业数据发布后表示："购房者正在与负担能力不足作斗争，卖 家面临更多竞争，而房屋建造商则承受需求疲软的压力。这些情况尚未导致灾难性的结果，但确实为今 年夏季的房地产市场带来了残酷的挑战。" 部分分析人士认为，只有当房贷利率降至5%区间时，才能真正激发被压抑的购房需求。尽管房价上涨 势头已有所放缓，全美整体价格仍居高不下。此外，经济和就业前景的不确定性也令潜在买家 ...

中新社华盛顿8月28日电 (记者 沙晗汀)美国住房金融机构房地美(Freddie Mac)当地时间28日公布数据显 示，美国30年期固定抵押贷款平均利率降至6.56%，是自2024年10月以来最低值。 美国房贷利率受美联储联邦基金利率和美国10年期国债收益率等因素影响。 美联储主席鲍威尔近日表示，当前失业率和通胀率上升风险并存，但就业市场可能进一步疲软，美联储 可能需要"调整政策立场"。市场认为鲍威尔发言释放"降息信号"。 美联社分析认为，美联储降息利于就业市场和整体经济，但也可能加剧通胀，从而导致10年期国债收益 率走高而拉高房贷利率。经济学家预计，30年期固定抵押贷款平均利率未来几个月仍会维持在6.5%左 右。(完) 数据显示，美国30年期固定抵押贷款平均利率当天降至6.56%，该数据已连续6周下降。一周前该数据 为6.58%，一年前该数据为6.35%。 分析人士认为，房贷利率的下降对于潜在购房者而言是"好消息"，但目前尚未转化为成屋销售量的增 加。 据美国全国房地产经纪商协会(National Association of Realtors)近日公布数据显示，今年7月美国成屋销 售量按年率计算为401万 ...

Group 1 - The US mortgage market has stabilized after four weeks of decline, with the average rate for a 30-year fixed mortgage remaining at 6.58% [1] - The National Association of Realtors reported that the median price of existing homes in July increased by only 0.2% year-over-year to $422,400, marking the weakest performance since June of the previous year [1] - Home sales of existing homes increased by 2% month-over-month in July to an annualized rate of 4.01 million units, surpassing market expectations of 3.92 million units [1] Group 2 - Only 28% of homes currently on the market are affordable for typical families, indicating a significant gap in housing affordability [2] - Since 2019, the purchasing power of homebuyers has decreased by approximately $30,000 [2] - To make typical housing affordable for American families, home prices would need to drop by 18% or mortgage rates would need to fall to 4.43% [2]

Group 1 - The U.S. Treasury Secretary, Bessent, expressed optimism about the possibility of a 50 basis point rate cut by the Federal Reserve in September [2] - Bessent indicated that the Federal Reserve's rates should be 150 to 175 basis points lower than current levels, suggesting that the Fed should have cut rates earlier if the data was accurate [2] - The 30-year fixed mortgage rate decreased by 10 basis points to 6.67%, marking the largest drop since February, while the 15-year mortgage rate fell below 6% for the first time in four months [2] Group 2 - Trump is considering 11 candidates for the Federal Reserve Chair position, including previously undisclosed names such as David Zervos, Larry Lindsey, and Rick Rieder [3] - The selection process involves Bessent interviewing all candidates and submitting a final list to the President, although the timeline for a decision remains uncertain [3] - Despite Trump's criticisms of Powell, he has abandoned the idea of replacing the Fed Chair before the end of the term in May [3]

Group 1 - U.S. Treasury Secretary Becerra expressed optimism about the Federal Reserve potentially lowering interest rates by 50 basis points in the upcoming September meeting [2] - Becerra indicated that the Federal Reserve's rates should be 150 to 175 basis points lower than current levels, suggesting that the Fed should have acted sooner [2] - The entire U.S. Treasury yield curve may shift downward, reflecting the credibility of the Treasury and the Federal Reserve [2] Group 2 - The 30-year fixed mortgage rate decreased by 10 basis points to 6.67%, marking the largest drop since February, while the 15-year mortgage rate fell below 6% for the first time in four months [2] - A continued decline in mortgage financing costs could revitalize the struggling real estate market [2] - Trump is considering 11 candidates for the Federal Reserve Chair position, including previously undisclosed names [3]

Group 1 - The U.S. Treasury Secretary, Bessent, expressed optimism about the possibility of the Federal Reserve lowering interest rates by 50 basis points in the upcoming September meeting [4] - Bessent indicated that the Federal Reserve's rates should be 150 to 175 basis points lower than current levels, suggesting that the Fed should have acted sooner based on accurate data [4] - The entire U.S. Treasury yield curve may shift downward, with the 10-year Treasury yield reflecting the credibility of the U.S. Treasury and the Federal Reserve [4] Group 2 - Trump is considering 11 candidates for the Federal Reserve Chair position, including previously undisclosed candidates such as David Zervos, Larry Lindsey, and Rick Rieder [6] - Other candidates include current Federal Reserve officials and former economic advisors, with Bessent responsible for interviewing candidates and submitting a final list to the President [6] - The selection process may take a considerable amount of time, potentially delaying any changes in monetary policy [6]