<p>作者：Aarthi Swaminathan</p>
<p>这与一年前的利率相比发生了重大变化：去年一月，30 年期利率平均为 7.04%。</p>
<p>抵押贷款利率降至三年来的最低水平——这对一直在房市旁观的潜在买家来说是个好消息。</p>
<p>抵押贷款利率降至三年来的最低水平，为许多感到沮丧的购房者提供了机会窗口。</p>
<p>根据房贷巨头房地美（Freddie Mac）的一份每周报告，截至 1 月 15 日，30 年期固定抵押贷款利率下降了 10 个基点，平均为 6.06%。</p>
<p>这与一年前的利率相比发生了重大变化。去年一月，30 年期利率平均为 7.04%。</p>
<p>目前 30 年期利率已降至自 2022 年 9 月以来的最低水平。</p>
<p>抵押贷款利率的近期下降部分是由于唐纳德·特朗普总统宣布他指示 “代表” 购买 2000 亿美元的抵押贷款支持证券。</p>
<p>高抵押贷款利率和创纪录的房价一直是买家的障碍，导致 2025 年首次购房者的中位年龄创下 40 岁的历史新高，国家房地产经纪人协会表示。</p>
<p>利率的下降刺激了购房和再融资活动。那些一直在房市旁观的人纷纷入场，或是锁定更好的购房利率，或是以更低的利率再融资现有的高利率贷款。</p>
<p>房地产市场又出现了一个显著变化：抵押贷款利率超过 6% 的房主比例现在已超过抵押贷款利率低于 3% 的房主比例。这表明所谓的锁定效应正在减弱。</p>
<p>阅读更多：房主和购房者争相锁定下降的抵押贷款利率</p>
<p>房地美首席经济学家 Sam Khater 在一份声明中表示：“显然，住房活动正在改善，并准备迎接一个强劲的春季销售季。”</p>
<p>One Real Mortgage 的首席执行官 Samir Dedhia 在一份声明中表示：“经过一段时间的可负担性挑战，这次利率的下降帮助重新点燃了市场的动力，并为更强劲的春季市场奠定了基础。”</p>
<p>他补充道：“由于利率比去年此时低近一个百分点，且房价增长趋于稳定，许多人看到锁定价值的机会。”</p>
<p>相关：你需要赚多少钱才能负担得起 40 万美元的房子</p>
<p>-Aarthi Swaminathan</p>
<p>此内容由 MarketWatch 创作，MarketWatch 由道琼斯公司运营。MarketWatch 与道琼斯新闻通讯和《华尔街日报》独立出版。</p>
<p>（完）道琼斯新闻通讯</p>
<p>01-15-26 1248ET</p>

AOMR

房地美

<p>抵押贷款利率已降至三年来的最低水平，截至 1 月 15 日，30 年期固定利率抵押贷款的平均利率为 6.06%，较一年前的 7.04% 下降。这一下降促使了购房和再融资活动的增加，因为买家利用较低的利率。锁定效应的缓解显而易见，现在有更多房主的抵押贷款利率超过 6%。专家预测，随着可负担性改善和房价增长稳定，春季销售季节将更加强劲</p>

<p>By Aarthi Swaminathan</p>
<div class="lb-trans"><p>作者：Aarthi Swaminathan</p>
</div><p>It's a major shift from where rates were a year ago: Last January, the 30-year rate averaged 7.04%</p>
<div class="lb-trans"><p>这与一年前的利率相比发生了重大变化：去年一月，30 年期利率平均为 7.04%。</p>
</div><p>Mortgage rates are at a three-year low - welcome news for aspiring buyers who've been on the sidelines of the housing market.</p>
<div class="lb-trans"><p>抵押贷款利率降至三年来的最低水平——这对一直在房市旁观的潜在买家来说是个好消息。</p>
</div><p>Mortgage rates fell to the lowest level in over three years, offering a window of opportunity for many frustrated home buyers.</p>
<div class="lb-trans"><p>抵押贷款利率降至三年来的最低水平，为许多感到沮丧的购房者提供了机会窗口。</p>
</div><p>The 30-year fixed-rate mortgage fell 10 basis points and averaged 6.06% as of Jan. 15, according to housing-finance giant Freddie Mac's (FMCC) weekly report.</p>
<div class="lb-trans"><p>根据房贷巨头房地美（Freddie Mac）的一份每周报告，截至 1 月 15 日，30 年期固定抵押贷款利率下降了 10 个基点，平均为 6.06%。</p>
</div><p>That's a major shift from where rates were a year ago. Last January, the 30-year rate averaged 7.04%.</p>
<div class="lb-trans"><p>这与一年前的利率相比发生了重大变化。去年一月，30 年期利率平均为 7.04%。</p>
</div><p>The average 30-year rate is now at the lowest level since September 2022.</p>
<div class="lb-trans"><p>目前 30 年期利率已降至自 2022 年 9 月以来的最低水平。</p>
</div><p>Recent drops in mortgage rates have been prompted in part by President Donald Trump's announcement that he was directing &#34;representatives&#34; to purchase $200 billion in mortgage-backed securities.</p>
<div class="lb-trans"><p>抵押贷款利率的近期下降部分是由于唐纳德·特朗普总统宣布他指示 “代表” 购买 2000 亿美元的抵押贷款支持证券。</p>
</div><p>High mortgage rates and record-high home prices have been obstacles for buyers, pushing the median age of a first-time home buyer to a record high of 40 in 2025, according to the National Association of Realtors.</p>
<div class="lb-trans"><p>高抵押贷款利率和创纪录的房价一直是买家的障碍，导致 2025 年首次购房者的中位年龄创下 40 岁的历史新高，国家房地产经纪人协会表示。</p>
</div><p>The drop in rates sparked a boost in home-buying and refinance activity. People who have been on the sidelines of the housing market jumped in to either lock in a better rate to buy a house, or to refinance an existing loan with a much higher rate.</p>
<div class="lb-trans"><p>利率的下降刺激了购房和再融资活动。那些一直在房市旁观的人纷纷入场，或是锁定更好的购房利率，或是以更低的利率再融资现有的高利率贷款。</p>
</div><p>There's been another notable shift in real estate: The share of homeowners with a mortgage rate over 6% has now surpassed the share of homeowners with a sub-3% rate. That suggests that the so-called lock-in effect is easing.</p>
<div class="lb-trans"><p>房地产市场又出现了一个显著变化：抵押贷款利率超过 6% 的房主比例现在已超过抵押贷款利率低于 3% 的房主比例。这表明所谓的锁定效应正在减弱。</p>
</div><p>Read more: Homeowners and home buyers race to lock in falling mortgage rates</p>
<div class="lb-trans"><p>阅读更多：房主和购房者争相锁定下降的抵押贷款利率</p>
</div><p>&#34;It's clear that housing activity is improving and poised for a solid spring sales season,&#34; Freddie Mac's chief economist, Sam Khater, said in a statement.</p>
<div class="lb-trans"><p>房地美首席经济学家 Sam Khater 在一份声明中表示：“显然，住房活动正在改善，并准备迎接一个强劲的春季销售季。”</p>
</div><p>&#34;After a long stretch of affordability challenges, this dip in rates has helped reignite momentum and positioned the market for a stronger spring,&#34; Samir Dedhia, CEO of One Real Mortgage, said in a statement.</p>
<div class="lb-trans"><p>One Real Mortgage 的首席执行官 Samir Dedhia 在一份声明中表示：“经过一段时间的可负担性挑战，这次利率的下降帮助重新点燃了市场的动力，并为更强劲的春季市场奠定了基础。”</p>
</div><p>&#34;With rates nearly a full point lower than this time last year, and home price growth stabilizing, many are seeing a window to lock in value,&#34; he added.</p>
<div class="lb-trans"><p>他补充道：“由于利率比去年此时低近一个百分点，且房价增长趋于稳定，许多人看到锁定价值的机会。”</p>
</div><p>Related: Here's how much money you need to make to afford a $400,000 home</p>
<div class="lb-trans"><p>相关：你需要赚多少钱才能负担得起 40 万美元的房子</p>
</div><p>-Aarthi Swaminathan</p>
<div class="lb-trans"><p>-Aarthi Swaminathan</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 创作，MarketWatch 由道琼斯公司运营。MarketWatch 与道琼斯新闻通讯和《华尔街日报》独立出版。</p>
</div><p>(END) Dow Jones Newswires</p>
<div class="lb-trans"><p>（完）道琼斯新闻通讯</p>
</div><p>01-15-26 1248ET</p>
<div class="lb-trans"><p>01-15-26 1248ET</p>
</div>

抵押贷款利率降至三年多来的最低水平，购房活动有所回升