<p>作者：Aarthi Swaminathan</p>
<p>美联储主席杰罗姆·鲍威尔表示，单靠降息无法解决美国的 “结构性住房短缺” 问题。</p>
<p>美联储主席杰罗姆·鲍威尔表示，购房者面临的根本问题是住房供应不足。</p>
<p>由于抵押贷款利率高企和库存低迷的双重打击，近年来许多美国人购房变得负担不起，这导致房价创下历史新高。</p>
<p>但在 2025 年期间，住房成本的一个部分有所缓解，尽管只是略微：抵押贷款成本。</p>
<p>在 2025 年 1 月至 12 月之间，抵押贷款利率有所下降。</p>
<p>因此，白宫本周在社交媒体上表示，借款人购买一套中位价新房的年支付金额减少了近 3000 美元。</p>
<p>然而，抵押贷款成本的近期下降并没有显著改善住房可负担性。尽管市场似乎整体上变得更有利于买家，一些卖家降低了房屋挂牌价格，但大多数买家仍然觉得购房过于昂贵。</p>
<p>今年首次购房者的平均年龄达到了 40 岁，创下历史新高，这再次表明可负担性阻碍了美国人实现购置自己住房等关键里程碑。</p>
<p>美联储主席杰罗姆·鲍威尔在周三宣布美联储降息四分之一个百分点后表示，根本问题是住房供应不足。他说：“我们可以提高或降低利率，但我们实际上没有工具来解决……结构性住房短缺。”</p>
<p>被锁定在低利率抵押贷款中的房主</p>
<p>高企的抵押贷款利率只是导致许多购房者被排除在市场之外的一个原因。即使利率下降，房价仍然居高不下。这在很大程度上是由于美国住房市场的库存紧缩。</p>
<p>即使是当前的房主，随着房价在过去几年飙升，他们的房屋净值也大幅增加，但仍然发现搬家变得困难。房地产网站 Realtor.com 的数据发现，房主持有的未偿还抵押贷款的中位利率约为 4%，这意味着每月的抵押贷款支付约为 1300 美元。</p>
<p>（Realtor.com 由新闻集团子公司 Move Inc.运营；MarketWatch 的出版商道琼斯也是新闻集团的子公司。）</p>
<p>但在当前利率下，该支付金额将约为 2200 美元，比这些房主目前支付的金额高出 70% 以上。</p>
<p>鲍威尔表示：“许多人在疫情期间获得了非常非常低的抵押贷款利率，他们不断再融资并抓住了最低利率，因此搬家对他们来说可能很昂贵。”</p>
<p>由于许多房主被锁定在这些抵押贷款和房屋中，过去几年待售房屋的供应相对较低。虽然建筑商加大了住房建设，但他们发现很难出售这些房屋，因为买家觉得新建房产负担不起或不具吸引力。</p>
<p>鲍威尔补充道：“我们在这个国家很长时间没有建造足够的住房，因此许多估计表明，我们需要更多不同类型的住房。”</p>
<p>白宫宣传降低抵押贷款成本</p>
<p>唐纳德·特朗普总统在竞选期间以及后来在白宫时承诺降低抵押贷款利率，以使住房更具可负担性。</p>
<p>周二，白宫表示在实现这一目标上取得了进展，展示了一张图表，显示在拜登政府期间，中位价新房的抵押贷款年支付额曾跃升 15000 美元，然后在特朗普第二任期的前 11 个月内下降了 3000 美元。</p>
<p>白宫随后向 MarketWatch 澄清，他们比较的是 2021 年 1 月和 2025 年 1 月之间的抵押贷款利率基础上的月支付金额，以及 2021 年 1 月和 2025 年 12 月初之间的金额。他们假设 10% 的首付和 410,800 美元的中位房价，这是 2025 年第二季度新建房屋的成本。</p>
<p>这种比较并不完全相同，因为它将拜登的完整四年任期与特朗普的前 11 个月进行对比，但整体信息是，抵押贷款利率在特朗普的第二任期内有所下降，这与拜登任期内利率的飙升形成鲜明对比，这是准确的。</p>
<p>Realtor.com 首席经济学家丹妮尔·黑尔在审查白宫的图表后告诉 MarketWatch：“总统任期较长，他们对经济的影响并不一定在行政更替时开始和结束，这可能使得使用数据来支持有利的论点变得容易，但更难证明这种功劳确实归因于总统的更换。”</p>
<p>黑尔还指出，在拜登任期内，抵押贷款利率从历史低位波动到近期高峰，从 2021 年 1 月他上任时的 2.74% 上升到 2024 年 12 月的 6.72%。</p>
<p>大多数经济学家表示，这样低的利率在大多数美国人的一生中不太可能再次出现，除非美国经济严重崩溃，或者出现其他冲击，比如全球大流行。</p>
<p>自特朗普上任以来，在 2025 年期间，利率从 6.96% 下降到最近的 6.17%，她补充道，这解释了为什么抵押贷款的年度成本在特朗普任期内呈下降趋势。根据 Freddie Mac 的数据，截至 12 月 11 日，30 年期抵押贷款利率为 6.22%，低于 1 月 2 日的 6.91%。</p>
<p>在拜登任期内，新房的中位价格上涨超过 20%，而在特朗普上任后的 1 月到 8 月之间，价格下降了约 2%，这是最新的数据可用的月份，黑尔补充道。</p>
<p>尽管住房可负担性已成为许多美国人和政治家的关注焦点，但根据洲际交易所的一份报告，过去几年实际上有所改善。</p>
<p>根据 ICE 的数据，在 11 月中旬，当 30 年期抵押贷款的平均利率为 6.25% 时，中位数房价的每月本金和利息支付约为 2100 美元，这大约占中位数家庭收入的 30%——这一水平被认为是负担得起的。这个支付与收入的比率是自 2023 年初以来的最低水平。</p>
<p>ICE 在报告中表示：“住房负担能力达到了近三年来的最佳水平，但仍然紧张。”</p>
<p>特朗普将住房负担能力问题归咎于鲍威尔。</p>
<p>特朗普在今年早些时候多次批评鲍威尔没有降息，并表示美联储主席在利率上的不作为阻碍了美国人购房。但美联储并不直接控制抵押贷款利率。</p>
<p>相反，抵押贷款利率往往与 10 年期国债收益率 BX:TMUBMUSD10Y 同步变动，这反映了债券市场和投资者对经济走向及美联储下一步行动的看法。这就是为什么抵押贷款利率有时在美联储降息时反而上升的原因。</p>
<p>尽管如此，白宫在其社交媒体帖子中表示：“特朗普已经削减了新抵押贷款的年度成本。”</p>
<p>一位白宫发言人将 “飙升的房价、飞涨的抵押贷款利率和下降的实际工资” 归咎于拜登政府，并告诉 MarketWatch：“特朗普总统努力迅速实施政策——从快速放松监管、减税以提高可支配收入，到确保我们的边界以阻止推动房价和租金上涨的虚假和非法需求——以开始扭转这些趋势。”</p>
<p>预计抵押贷款利率将在 2026 年下降。</p>
<p>大多数行业预测预计抵押贷款利率明年将有所缓和或略微下降。</p>
<p>在其 11 月的住房市场预测中，住房金融巨头房利美（FNMA）表示，预计 30 年期抵押贷款将在 2026 年第一季度降至 6.2%，并在年底时降至 5.9%。</p>
<p>此外，越来越多的卖家开始接受降价，因为许多人发现很难在当前环境中出售房屋。</p>
<p>新泽西州莫里斯敦的 Bridgeway Mortgage 和房地产服务公司的负责人迈克尔·里德告诉 MarketWatch：“我们正走向更好的时光。我认为高利率已经成为过去，我确实相信较低的利率将打开库存，使购房变得更加负担得起。”</p>
<p>您是否有关于房地产的问题希望在 MarketWatch 中看到？我们希望听到读者的声音。您可以通过 readerstories@marketwatch.com 与我们联系。记者可能会联系您以了解更多信息。MarketWatch 不会在未经您许可的情况下将您的回答以您的名字归属。</p>
<p>-阿尔西·斯瓦米纳坦</p>
<p>此内容由 MarketWatch 创建，MarketWatch 由道琼斯公司运营。MarketWatch 独立于道琼斯新闻社和《华尔街日报》发布。</p>
<p>（完）道琼斯新闻社</p>
<p>12-11-25 1742ET</p>

房利美

<p>在特朗普的第二任期内，抵押贷款利率有所下降，使得中位数房价的年抵押贷款支付减少了近 3000 美元。然而，由于房价高企和库存不足，住房负担能力仍然是一个挑战。美联储主席杰罗姆·鲍威尔强调结构性住房短缺是一个关键问题，并指出单靠利率调整无法解决这一问题。白宫声称在降低抵押贷款成本方面取得了进展，这与拜登任期内的利率上升形成对比。尽管利率较低，但许多房主被锁定在低利率抵押贷款中，限制了住房供应</p>

<p>By Aarthi Swaminathan</p>
<div class="lb-trans"><p>作者：Aarthi Swaminathan</p>
</div><p>Interest-rate cuts alone can't fix America's 'structural housing shortage,' Fed Chair Jerome Powell says</p>
<div class="lb-trans"><p>美联储主席杰罗姆·鲍威尔表示，单靠降息无法解决美国的 “结构性住房短缺” 问题。</p>
</div><p>The fundamental problem for home buyers is that housing is in short supply, Fed Chair Jerome Powell says.</p>
<div class="lb-trans"><p>美联储主席杰罗姆·鲍威尔表示，购房者面临的根本问题是住房供应不足。</p>
</div><p>Buying a house has been unaffordable for many Americans in recent years due to a one-two punch of elevated mortgage rates and a low inventory, which has pushed up home prices to record highs.</p>
<div class="lb-trans"><p>由于抵押贷款利率高企和库存低迷的双重打击，近年来许多美国人购房变得负担不起，这导致房价创下历史新高。</p>
</div><p>But over the course of 2025, one part of the cost of housing has eased, if only slightly: The cost of a mortgage.</p>
<div class="lb-trans"><p>但在 2025 年期间，住房成本的一个部分有所缓解，尽管只是略微：抵押贷款成本。</p>
</div><p>Between January and December 2025, mortgage rates have gone down.</p>
<div class="lb-trans"><p>在 2025 年 1 月至 12 月之间，抵押贷款利率有所下降。</p>
</div><p>As a result, the annual amount that a borrower would spend on payments on a new mortgage for a median-priced new house has fallen by nearly $3,000, the White House said this week in a social-media post.</p>
<div class="lb-trans"><p>因此，白宫本周在社交媒体上表示，借款人购买一套中位价新房的年支付金额减少了近 3000 美元。</p>
</div><p>But overall, the recent drop in mortgage costs hasn't moved the needle much on housing affordability. While the market seems to be becoming more buyer-friendly overall, with some sellers cutting prices on home listings, most buyers are still finding it too expensive to buy a house.</p>
<div class="lb-trans"><p>然而，抵押贷款成本的近期下降并没有显著改善住房可负担性。尽管市场似乎整体上变得更有利于买家，一些卖家降低了房屋挂牌价格，但大多数买家仍然觉得购房过于昂贵。</p>
</div><p>The average age of a first-time home buyer hit an all-time high of 40 this year, the latest sign that affordability is standing in the way of Americans achieving key milestones such as buying their own home.</p>
<div class="lb-trans"><p>今年首次购房者的平均年龄达到了 40 岁，创下历史新高，这再次表明可负担性阻碍了美国人实现购置自己住房等关键里程碑。</p>
</div><p>The fundamental problem is that housing is in short supply, Fed Chair Jerome Powell said after announcing the Fed's quarter-point rate cut on Wednesday. &#34;We can raise or lower interest rates, but we don't really have the tools to address ... a structural housing shortage,&#34; he said.</p>
<div class="lb-trans"><p>美联储主席杰罗姆·鲍威尔在周三宣布美联储降息四分之一个百分点后表示，根本问题是住房供应不足。他说：“我们可以提高或降低利率，但我们实际上没有工具来解决……结构性住房短缺。”</p>
</div><p>Homeowners locked into their low-rate mortgages</p>
<div class="lb-trans"><p>被锁定在低利率抵押贷款中的房主</p>
</div><p>Elevated mortgage rates are only one reason so many home buyers have been shut out of the market. Even if rates are down, home prices remain high. That's largely because of the inventory squeeze in the U.S. housing market.</p>
<div class="lb-trans"><p>高企的抵押贷款利率只是导致许多购房者被排除在市场之外的一个原因。即使利率下降，房价仍然居高不下。这在很大程度上是由于美国住房市场的库存紧缩。</p>
</div><p>Even current homeowners, who have experienced considerable home-equity gains as home values have skyrocketed over the past few years, are finding it hard to afford a move. The median rate on outstanding mortgages held by homeowners is about 4%, which translates to a monthly mortgage payment of about $1,300, Realtor.com data found.</p>
<div class="lb-trans"><p>即使是当前的房主，随着房价在过去几年飙升，他们的房屋净值也大幅增加，但仍然发现搬家变得困难。房地产网站 Realtor.com 的数据发现，房主持有的未偿还抵押贷款的中位利率约为 4%，这意味着每月的抵押贷款支付约为 1300 美元。</p>
</div><p>(Realtor.com is operated by News Corp subsidiary Move Inc.; MarketWatch publisher Dow Jones is also a subsidiary of News Corp.)</p>
<div class="lb-trans"><p>（Realtor.com 由新闻集团子公司 Move Inc.运营；MarketWatch 的出版商道琼斯也是新闻集团的子公司。）</p>
</div><p>But at current rates, that payment would be about $2,200 - over 70% higher than what those homeowners are currently paying.</p>
<div class="lb-trans"><p>但在当前利率下，该支付金额将约为 2200 美元，比这些房主目前支付的金额高出 70% 以上。</p>
</div><p>&#34;Many people have very, very low-rate mortgages from the pandemic period, and they kept refinancing and caught the really lowest, so it's maybe expensive for them to move,&#34; Powell said.</p>
<div class="lb-trans"><p>鲍威尔表示：“许多人在疫情期间获得了非常非常低的抵押贷款利率，他们不断再融资并抓住了最低利率，因此搬家对他们来说可能很昂贵。”</p>
</div><p>Since many of these homeowners are locked into these mortgages and homes, the supply of homes for sale has been relatively low over the past few years. Builders have ramped up home building, but they've found it difficult to sell these homes as buyers find newly built properties unaffordable, or unappealing.</p>
<div class="lb-trans"><p>由于许多房主被锁定在这些抵押贷款和房屋中，过去几年待售房屋的供应相对较低。虽然建筑商加大了住房建设，但他们发现很难出售这些房屋，因为买家觉得新建房产负担不起或不具吸引力。</p>
</div><p>&#34;We haven't built enough housing in the country for a long time, and so a lot of estimates suggest that we just need more housing of different kinds,&#34; Powell added.</p>
<div class="lb-trans"><p>鲍威尔补充道：“我们在这个国家很长时间没有建造足够的住房，因此许多估计表明，我们需要更多不同类型的住房。”</p>
</div><p>White House touts lower mortgage costs</p>
<div class="lb-trans"><p>白宫宣传降低抵押贷款成本</p>
</div><p>President Donald Trump vowed on the campaign trail and later in the White House to bring mortgage rates down to make housing more affordable.</p>
<div class="lb-trans"><p>唐纳德·特朗普总统在竞选期间以及后来在白宫时承诺降低抵押贷款利率，以使住房更具可负担性。</p>
</div><p>On Tuesday, the White House suggested it had made progress on that goal with a graphic showing that over the course of the Biden administration, the average yearly payment on a new mortgage on a median-priced new house had jumped $15,000, then fallen $3,000 during the first 11 months of Trump's second term.</p>
<div class="lb-trans"><p>周二，白宫表示在实现这一目标上取得了进展，展示了一张图表，显示在拜登政府期间，中位价新房的抵押贷款年支付额曾跃升 15000 美元，然后在特朗普第二任期的前 11 个月内下降了 3000 美元。</p>
</div><p>The White House later clarified to MarketWatch that it was comparing monthly payment amounts based on mortgage rates between January 2021 and January 2025, with amounts based on mortgage rates between January 2021 and early December 2025. They assumed a 10% down payment, and a median home price of $410,800, which was the cost of a newly built home as of the second quarter of 2025.</p>
<div class="lb-trans"><p>白宫随后向 MarketWatch 澄清，他们比较的是 2021 年 1 月和 2025 年 1 月之间的抵押贷款利率基础上的月支付金额，以及 2021 年 1 月和 2025 年 12 月初之间的金额。他们假设 10% 的首付和 410,800 美元的中位房价，这是 2025 年第二季度新建房屋的成本。</p>
</div><p>The comparison isn't apples to apples, because it puts Biden's full four-year term against the first 11 months of Trump's, but the overall message that mortgage rates have come down during Trump's second term - in stark contrast to the jump in rates during Biden's term - is accurate.</p>
<div class="lb-trans"><p>这种比较并不完全相同，因为它将拜登的完整四年任期与特朗普的前 11 个月进行对比，但整体信息是，抵押贷款利率在特朗普的第二任期内有所下降，这与拜登任期内利率的飙升形成鲜明对比，这是准确的。</p>
</div><p>&#34;Presidential terms are long and their impact on the economy doesn't necessarily start and stop exactly as the administrations change over, which can make it easy to use the data to make a favorable case, but harder to prove that credit is really due to the change in president,&#34; Danielle Hale, chief economist at Realtor.com, told MarketWatch after reviewing the White House's chart.</p>
<div class="lb-trans"><p>Realtor.com 首席经济学家丹妮尔·黑尔在审查白宫的图表后告诉 MarketWatch：“总统任期较长，他们对经济的影响并不一定在行政更替时开始和结束，这可能使得使用数据来支持有利的论点变得容易，但更难证明这种功劳确实归因于总统的更换。”</p>
</div><p>Hale also noted that during Biden's term, mortgage rates swung from rock-bottom levels to recent peaks, going up from 2.74% at the start of his term in January 2021 to 6.72% in December 2024.</p>
<div class="lb-trans"><p>黑尔还指出，在拜登任期内，抵押贷款利率从历史低位波动到近期高峰，从 2021 年 1 月他上任时的 2.74% 上升到 2024 年 12 月的 6.72%。</p>
</div><p>Rates that low are not likely to appear again in most Americans' lifetimes, most economists have said, unless the U.S. economy crashes hard, or there's some other shock, like a global pandemic.</p>
<div class="lb-trans"><p>大多数经济学家表示，这样低的利率在大多数美国人的一生中不太可能再次出现，除非美国经济严重崩溃，或者出现其他冲击，比如全球大流行。</p>
</div><p>Over the course of 2025, since Trump took office, rates have dropped from 6.96% to a recent low of 6.17%, she added, which explains why the yearly cost of a mortgage has trended lower over Trump's term. The 30-year mortgage rate stood at 6.22% as of Dec. 11, according to Freddie Mac, down from 6.91% on Jan. 2.</p>
<div class="lb-trans"><p>自特朗普上任以来，在 2025 年期间，利率从 6.96% 下降到最近的 6.17%，她补充道，这解释了为什么抵押贷款的年度成本在特朗普任期内呈下降趋势。根据 Freddie Mac 的数据，截至 12 月 11 日，30 年期抵押贷款利率为 6.22%，低于 1 月 2 日的 6.91%。</p>
</div><p>The median price of a new home rose more than 20% over Biden's term, and prices came down about 2% between January, when Trump came into office, and August, the last month for which data is available, Hale added.</p>
<div class="lb-trans"><p>在拜登任期内，新房的中位价格上涨超过 20%，而在特朗普上任后的 1 月到 8 月之间，价格下降了约 2%，这是最新的数据可用的月份，黑尔补充道。</p>
</div><p>Though housing affordability has become a focus for many Americans - and politicians - it has actually improved over the past couple of years, according to a report by Intercontinental Exchange.</p>
<div class="lb-trans"><p>尽管住房可负担性已成为许多美国人和政治家的关注焦点，但根据洲际交易所的一份报告，过去几年实际上有所改善。</p>
</div><p>In mid-November, when the average rate on the 30-year mortgage was 6.25%, the monthly principal and interest payment for a median-priced home was about $2,100, ICE said, which was about 30% of a median household's income - a level that's considered affordable. That payment-to-income ratio is at the lowest level since early 2023.</p>
<div class="lb-trans"><p>根据 ICE 的数据，在 11 月中旬，当 30 年期抵押贷款的平均利率为 6.25% 时，中位数房价的每月本金和利息支付约为 2100 美元，这大约占中位数家庭收入的 30%——这一水平被认为是负担得起的。这个支付与收入的比率是自 2023 年初以来的最低水平。</p>
</div><p>&#34;Home affordability is at its best levels in nearly three years, but remains stretched,&#34; ICE said in the report.</p>
<div class="lb-trans"><p>ICE 在报告中表示：“住房负担能力达到了近三年来的最佳水平，但仍然紧张。”</p>
</div><p>Trump has blamed Powell for housing affordability woes</p>
<div class="lb-trans"><p>特朗普将住房负担能力问题归咎于鲍威尔。</p>
</div><p>Trump repeatedly criticized Powell earlier this year for not cutting interest rates, and said the Fed chair's inaction on rates was preventing Americans from buying houses. But the Fed doesn't directly control mortgage rates.</p>
<div class="lb-trans"><p>特朗普在今年早些时候多次批评鲍威尔没有降息，并表示美联储主席在利率上的不作为阻碍了美国人购房。但美联储并不直接控制抵押贷款利率。</p>
</div><p>Instead, they tend to move in tandem with the yield on the 10-year Treasury note BX:TMUBMUSD10Y, which reacts to how the bond market and investors perceive the direction of the economy and the Fed's next moves. That's why mortgage rates move in unusual ways, sometimes rising when the Fed cuts.</p>
<div class="lb-trans"><p>相反，抵押贷款利率往往与 10 年期国债收益率 BX:TMUBMUSD10Y 同步变动，这反映了债券市场和投资者对经济走向及美联储下一步行动的看法。这就是为什么抵押贷款利率有时在美联储降息时反而上升的原因。</p>
</div><p>Nonetheless, the White House said in its social-media post that &#34;Trump has slashed the yearly cost of a new mortgage.&#34;</p>
<div class="lb-trans"><p>尽管如此，白宫在其社交媒体帖子中表示：“特朗普已经削减了新抵押贷款的年度成本。”</p>
</div><p>Blaming the Biden administration for &#34;surging home prices, skyrocketing mortgage rates and declining real wages,&#34; a White House spokesperson told MarketWatch that &#34;President Trump has worked to swiftly implement policies - from rapid deregulation, tax cuts to boost take-home pay, and securing our border to stop the artificial and illegal demand pushing up home and rent prices - to begin reversing these trends.&#34;</p>
<div class="lb-trans"><p>一位白宫发言人将 “飙升的房价、飞涨的抵押贷款利率和下降的实际工资” 归咎于拜登政府，并告诉 MarketWatch：“特朗普总统努力迅速实施政策——从快速放松监管、减税以提高可支配收入，到确保我们的边界以阻止推动房价和租金上涨的虚假和非法需求——以开始扭转这些趋势。”</p>
</div><p>Mortgage rates are expected to go down in 2026</p>
<div class="lb-trans"><p>预计抵押贷款利率将在 2026 年下降。</p>
</div><p>Most industry forecasts expect mortgage rates to either moderate or fall slightly next year.</p>
<div class="lb-trans"><p>大多数行业预测预计抵押贷款利率明年将有所缓和或略微下降。</p>
</div><p>In its November forecast for the housing market, housing-finance giant Fannie Mae (FNMA) said it expects the 30-year mortgage to fall to 6.2% in the first quarter of 2026, and end the year at 5.9%.</p>
<div class="lb-trans"><p>在其 11 月的住房市场预测中，住房金融巨头房利美（FNMA）表示，预计 30 年期抵押贷款将在 2026 年第一季度降至 6.2%，并在年底时降至 5.9%。</p>
</div><p>Plus, more sellers are warming up to price cuts, since many are finding it difficult to get a home sold in the current environment.</p>
<div class="lb-trans"><p>此外，越来越多的卖家开始接受降价，因为许多人发现很难在当前环境中出售房屋。</p>
</div><p>&#34;We are heading into better times. I think the high interest rates are in the rearview mirror, and I do believe that lower rates will open up inventory, making purchasing homes more affordable,&#34; Michael Read, principal at Bridgeway Mortgage and Real Estate Services in Morristown, N.J., told MarketWatch.</p>
<div class="lb-trans"><p>新泽西州莫里斯敦的 Bridgeway Mortgage 和房地产服务公司的负责人迈克尔·里德告诉 MarketWatch：“我们正走向更好的时光。我认为高利率已经成为过去，我确实相信较低的利率将打开库存，使购房变得更加负担得起。”</p>
</div><p>Do you have questions about real estate that you would like to see covered in MarketWatch? We would like to hear from readers. You can write to us at readerstories@marketwatch.com. A reporter may be in touch to learn more. MarketWatch will not attribute your answers to you by name without your permission.</p>
<div class="lb-trans"><p>您是否有关于房地产的问题希望在 MarketWatch 中看到？我们希望听到读者的声音。您可以通过 readerstories@marketwatch.com 与我们联系。记者可能会联系您以了解更多信息。MarketWatch 不会在未经您许可的情况下将您的回答以您的名字归属。</p>
</div><p>-Aarthi Swaminathan</p>
<div class="lb-trans"><p>-阿尔西·斯瓦米纳坦</p>
</div><p>This content was created by MarketWatch, which is operated by Dow Jones &amp; Co. MarketWatch is published independently from Dow Jones Newswires and The Wall Street Journal.</p>
<div class="lb-trans"><p>此内容由 MarketWatch 创建，MarketWatch 由道琼斯公司运营。MarketWatch 独立于道琼斯新闻社和《华尔街日报》发布。</p>
</div><p>(END) Dow Jones Newswires</p>
<div class="lb-trans"><p>（完）道琼斯新闻社</p>
</div><p>12-11-25 1742ET</p>
<div class="lb-trans"><p>12-11-25 1742ET</p>
</div>

在特朗普执政期间，抵押贷款利率下降。这对购房者真正意味着什么