<p>在空中俯瞰，加州千橡市的街道两旁是两层的独栋住宅，拍摄于 2026 年 1 月 13 日。</p>
<p>Kevin Carter | Getty Images</p>
<p>由于伊朗战争导致债券收益率上升，抵押贷款利率在周五飙升至自九月份以来的最高水平。</p>
<p>根据《抵押贷款新闻日报》，30 年期固定贷款的平均利率达到了 6.41%。这是自九月第一周以来的最高利率，但仍低于去年同期的 6.78%。</p>
<p>抵押贷款利率大致跟随 10 年期美国国债的收益率，而后者在周五再次上涨。</p>
<p>“这对于那些期望债券在不确定时期作为避风港的人来说是反直觉的，但当战争直接影响通胀预期时，这足以抵消任何可能出现的避风港效益，”《抵押贷款新闻日报》的首席运营官 Matthew Graham 写道。</p>
<p>尽管上周利率开始上升，但根据抵押贷款银行家协会的数据，购房者的抵押贷款需求仍在上升，但本周的新一轮激增可能会对春季市场造成打击，而春季市场本就受到其他重大阻力的困扰。</p>
<p>作为全国最大的房屋建筑商之一，Lennar 报告了令人失望的第一季度收益。其首席执行官 Stuart Miller 描述了更广泛市场的阻力，包括 “高抵押贷款利率、有限的可负担性、谨慎的消费者情绪以及地缘政治不确定性，尤其是现在包括最近的伊朗冲突。”</p>
<p>就在两周前，利率曾降至多年来的最低点，短暂触及 5.99%。现在，任何来自这些较低利率的节省都已消失。</p>
<p>对于购买一套价值 40 万美元的房屋（约为全国中位数），如果首付 20% 并选择 30 年期固定抵押贷款，现在的月供比两周前多出约 115 美元。</p>
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<p>抵押贷款利率因伊朗战争影响而飙升至七个月来的最高点 6.41%。尽管最近降至多年来的低点 5.99%，但这一增长仍然发生。抵押贷款银行家协会指出，抵押贷款需求有所上升，但新一轮利率飙升可能会阻碍春季房地产市场的发展，而该市场已经面临高利率和地缘政治不确定性等挑战。与两周前相比，购房者在购买 40 万美元的房产时，每月支付可能增加约 115 美元</p>

<p>In an aerial view, two-story single family homes line the streets of neighborhood on Jan. 13, 2026 in Thousand Oaks, California.</p>
<div class="lb-trans"><p>在空中俯瞰，加州千橡市的街道两旁是两层的独栋住宅，拍摄于 2026 年 1 月 13 日。</p>
</div><p>Kevin Carter | Getty Images</p>
<div class="lb-trans"><p>Kevin Carter | Getty Images</p>
</div><p>Mortgage rates surged to their highest level since September on Friday as bond yields moved higher due to the war in Iran.</p>
<div class="lb-trans"><p>由于伊朗战争导致债券收益率上升，抵押贷款利率在周五飙升至自九月份以来的最高水平。</p>
</div><p>The average rate on the 30-year fixed loan hit 6.41%, according to Mortgage News Daily. That is the highest rate since the first week of September, but still below the 6.78% notched at the same time last year.</p>
<div class="lb-trans"><p>根据《抵押贷款新闻日报》，30 年期固定贷款的平均利率达到了 6.41%。这是自九月第一周以来的最高利率，但仍低于去年同期的 6.78%。</p>
</div><p>Mortgage rates loosely follow the yield on the 10-year U.S. Treasury, which were up again Friday.</p>
<div class="lb-trans"><p>抵押贷款利率大致跟随 10 年期美国国债的收益率，而后者在周五再次上涨。</p>
</div><p>&#34;This is counterintuitive for those who expect bonds to serve as a safe haven in times of uncertainty, but when war has a direct impact on inflation expectations, it's more than enough to offset any of the safe haven benefit that might otherwise be seen,&#34; wrote Matthew Graham, chief operating officer at Mortgage News Daily.</p>
<div class="lb-trans"><p>“这对于那些期望债券在不确定时期作为避风港的人来说是反直觉的，但当战争直接影响通胀预期时，这足以抵消任何可能出现的避风港效益，”《抵押贷款新闻日报》的首席运营官 Matthew Graham 写道。</p>
</div><p>Even as rates began rising last week, mortgage demand from homebuyers rose, according to the Mortgage Bankers Association, but this week's new surge could put a damper on the spring season, which is already plagued by other major headwinds.</p>
<div class="lb-trans"><p>尽管上周利率开始上升，但根据抵押贷款银行家协会的数据，购房者的抵押贷款需求仍在上升，但本周的新一轮激增可能会对春季市场造成打击，而春季市场本就受到其他重大阻力的困扰。</p>
</div><p>Lennar, one of the nation's largest homebuilders, reported disappointing first-quarter earnings. Its CEO, Stuart Miller, described headwinds for the broader market as including &#34;high mortgage rates, constrained affordability, cautious consumer sentiment, and geopolitical uncertainty, especially now including the recent conflict in Iran.&#34;</p>
<div class="lb-trans"><p>作为全国最大的房屋建筑商之一，Lennar 报告了令人失望的第一季度收益。其首席执行官 Stuart Miller 描述了更广泛市场的阻力，包括 “高抵押贷款利率、有限的可负担性、谨慎的消费者情绪以及地缘政治不确定性，尤其是现在包括最近的伊朗冲突。”</p>
</div><p>Just two weeks ago, rates had dropped to match a multiyear low, briefly touching 5.99%. Now, any savings from those lower rates is gone.</p>
<div class="lb-trans"><p>就在两周前，利率曾降至多年来的最低点，短暂触及 5.99%。现在，任何来自这些较低利率的节省都已消失。</p>
</div><p>For someone buying a $400,000 home, around the national median, with 20% down on a 30-year fixed mortgage, the monthly payment is now about $115 more than it would have been two weeks ago.</p>
<div class="lb-trans"><p>对于购买一套价值 40 万美元的房屋（约为全国中位数），如果首付 20% 并选择 30 年期固定抵押贷款，现在的月供比两周前多出约 115 美元。</p>
</div><p>Choose CNBC as your preferred source on Google and never miss a moment from the most trusted name in business news.</p>
<div class="lb-trans"><p>在 Google 上选择 CNBC 作为您的首选来源，永不错过商业新闻中最值得信赖的名字的每一个时刻。</p>
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抵押贷款利率飙升至自九月以来的最高水平，对春季住房市场造成冲击