【环球网财经综合报道】据Dow Jones旗下Barron's杂志等外媒报道，本周，美国抵押贷款利率跌至2025年全年最低水平，给当地投资者和购房者带来久违的 振奋。房地美（Freddie Mac）数据显示，当地时间2025年12月31日当周，30年期固定抵押贷款利率降至6.15%，较前一周下降0.03个百分点，这是自2024年 10月以来的最低水平。 房地美首席经济学家萨姆·哈特（Sam Khater）在声明中表示，这一降幅"对即将进入新年的潜在购房者来说是一个令人鼓舞的信号"。 自2022年利率开始大幅上升以来，美国房地产市场持续承压。2023年和2024年，二手房销售量均跌至上世纪90年代中期以来的最低水平，预计2025年也将创 下类似纪录。 不过，近期抵押贷款利率的回落为市场带来希望。年初时，平均利率接近7%，春季期间则在6.6%至6.9%之间波动——而春季通常是多数购房者开始看房和 入市的关键时期。若利率维持在近期水平附近，明年计划购房的家庭将获得更为有利的融资环境。 分析指出，抵押贷款利率降至年内最低，有望为2025年大部分时间表现低迷的美国购房市场注入新动力。许多经济学家预计这一趋势将在2026 ...

中新社华盛顿12月4日电 (记者 沙晗汀)美国住房金融机构房地美(Freddie Mac)当地时间4日公布数据显 示，美国30年期固定抵押贷款平均利率降至6.19%，是今年以来第二低值，仅次于10月30日6.17%的数 值。 数据显示，美国30年期固定抵押贷款平均利率当天降至6.19%，该数据已连续2周下降。一周前该数据 为6.23%，一年前该数据为6.69%。 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。受美联储降息预期影响，房 贷利率自7月以来整体呈下降趋势。市场普遍预计，美联储继9月、10月连续降息后，在12月例会大概率 继续降息。 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，受房贷利率下降影 响，今年10月美国成屋销售量环比上涨1.2%，销售量创造8个月来的最高值。 美媒认为，房贷利率的下降将增强潜在购房者的购买力，对房地产市场而言是"好消息"，但经济不确定 性和就业市场的疲软仍将影响潜在购房者的信心。 美国自动数据处理公司3日发布的数据显示，2025年下半年，美国就业增长停滞不前。11月，私营部门 就业岗位减 ...

Group 1 - Freddie Mac reported that the average rate for a 30-year fixed mortgage in the U.S. has dropped to 6.17%, the lowest since October 3, 2024 [1] - The mortgage rate has decreased for four consecutive weeks, down from 6.19% the previous week and 6.72% a year ago [1] - The decline in mortgage rates is attributed to expectations of interest rate cuts by the Federal Reserve, enhancing the purchasing power of potential homebuyers, which is seen as positive news for the real estate market [1] Group 2 - The Mortgage Bankers Association indicated that mortgage applications, including home purchases and refinancing, increased by 7.1% in the past week [1] - The National Association of Realtors reported a 1.5% month-over-month increase in existing home sales for September, marking the highest sales volume in seven months [1]

Core Insights - Following the Federal Reserve's recent interest rate cut, U.S. mortgage rates have unexpectedly risen, indicating that short-term fluctuations have limited impact, while the economic outlook and Fed policy will be crucial for determining home buying costs in early 2026 [1][2] Mortgage Market - The average rate for a 30-year fixed mortgage increased by 0.14 percentage points to 6.27% after the FOMC meeting, and further rose to 6.33% the following day, suggesting that if this trend continues, it will be reflected in upcoming national mortgage rate data [1] - Despite the rise in mortgage rates, current levels are still more favorable for potential buyers compared to earlier this year, with a $400,000 loan saving borrowers approximately $100 per month compared to rates from late July [1] Builder Sentiment - Major homebuilder PulteGroup noted that despite typical demand increases with lower rates, buyer responses have been "noticeably more subdued" due to economic uncertainty and concerns over job stability, which are dampening home buying intentions [1] Bond Market Reaction - The bond market reacted to the Fed's decision to lower the benchmark rate and end quantitative tightening, with the 10-year U.S. Treasury yield rising, which in turn pushed mortgage rates higher [2] - Fed Chair Powell's comments during the press conference indicated that further rate cuts in December are not guaranteed, leading to a decrease in market expectations for additional rate cuts [2] Future Outlook - The direction of 30-year fixed mortgage rates will be influenced by economic data and Fed statements in the coming months, with a focus on the sustainability of the entire rate-cutting cycle rather than just the December meeting [2]

Core Viewpoint - The average rate for a 30-year fixed mortgage in the U.S. has risen to 6.34%, marking a continuous increase over the past two weeks, influenced by factors such as the Federal Reserve's interest rate decisions and the yield on 10-year Treasury bonds [1][1][1] Mortgage Rate Trends - The average rate for a 30-year fixed mortgage increased from 6.3% a week ago and 6.12% a year ago to 6.34% [1][1][1] - Despite expectations of two more rate cuts by the Federal Reserve this year, economists predict that the average mortgage rate will remain around 6.5% by the end of the year [1][1][1] Market Impact - The recent decline in mortgage rates over the past few months has boosted potential homebuyers' confidence, leading to an increase in existing home sales [1][1][1] - The ongoing federal government shutdown, resulting from a budget impasse between Republicans and Democrats, could negatively impact the real estate market if it persists [1][1][1]

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]

Core Viewpoint - The average interest 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 rate cut [1] Group 1: Mortgage Rate Trends - The average interest rate for a 30-year fixed mortgage fell to 6.35% from 6.5% the previous week and 6.2% a year ago [1] - The decline in mortgage rates is attributed to expectations of a Federal Reserve interest rate cut in September [1] Group 2: Impact on Housing Market - The decrease in mortgage rates is expected to enhance the purchasing power of potential homebuyers, which is considered positive news for the real estate market [1] - The Mortgage Bankers Association reported that mortgage application volume reached its highest level in three years [1] Group 3: Economic Indicators - Recent data indicates a weakening job market, with only 22,000 new jobs added in August, significantly below market expectations [1] - The unemployment rate rose to 4.3%, marking a consecutive month of a 0.1 percentage point increase [1]

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]

Group 1 - The 30-year fixed mortgage rate in the U.S. dropped significantly by 16 basis points to 6.29%, marking the lowest level since October 3, 2024, and the largest single-day decline since August of the previous year [1] - The decline in mortgage rates is attributed to a weaker-than-expected August employment report, which has been a major trigger for interest rate fluctuations in the bond market [1] - Many lenders are offering actual rates below the October 3 level, with some quotes entering the high 5% range, representing a nearly 80 basis point drop from the May peak of 7.08% [1] Group 2 - Despite the drop in mortgage rates, there has not been a significant rebound in buyer demand, with mortgage applications for home purchases falling by 6.6% compared to four weeks prior [2] - The current market conditions present challenges for buyers, sellers, and builders, with affordability issues and increased competition among sellers impacting the real estate market [2] - Analysts suggest that a true revival in suppressed buyer demand may only occur if mortgage rates fall into the 5% range, as overall home prices remain high despite a slowdown in price growth [2]

Core Points - Freddie Mac reported that the average rate for a 30-year fixed mortgage in the U.S. has dropped to 6.56%, the lowest since October 2024, marking a continuous decline for six weeks [1] - The previous week's rate was 6.58%, and the rate a year ago was 6.35%, indicating a year-over-year increase [1] - Despite the decrease in mortgage rates, there has not been a corresponding increase in existing home sales, which were reported at an annualized rate of 4.01 million units in July, a 2% month-over-month decline but a 0.8% year-over-year increase [1] - The mortgage rates are influenced by the Federal Reserve's federal funds rate and the yield on the 10-year U.S. Treasury [1] - Federal Reserve Chairman Jerome Powell indicated potential adjustments to policy due to risks in the job market and inflation, which the market interprets as a signal for possible interest rate cuts [1] Economic Analysis - Analysts believe that a reduction in interest rates by the Federal Reserve could benefit the job market and overall economy, but it may also exacerbate inflation, potentially leading to higher yields on 10-year Treasury bonds and increased mortgage rates [2] - Economists predict that the average rate for a 30-year fixed mortgage will remain around 6.5% in the coming months [2]