<p>尽管 抵押贷款利率 攀升至五周来的最高点，但被搁置的购房者突然回归市场，给像 <strong>D.R. Horton Inc.</strong> (NYSE: DHI) 和 <strong>Lennar Corp.</strong> (NYSE: LEN) 等主要房屋建筑商带来了丰厚的意外转机。</p>
<h2><strong>买家接受 ‘新常态’</strong></h2>
<p>根据最新的 Freddie Mac 主要抵押贷款市场调查，30 年期固定利率抵押贷款的平均利率目前为 6.37%，高于上周的 6.30%。虽然抵押贷款银行家协会（MBA）报告周三短暂飙升至 6.46%，但总体数据揭示了一个买家终于厌倦等待的市场。</p>
<p>购房抵押贷款申请 在过去一周内跃升了 4%，目前同比增长 7%。</p>
<p>行业领导者观察到消费者心理的明显转变。MBA 经济学家 <strong>Joel Kan</strong> 告诉 CNBC，潜在购房者 “对当前经济和抵押贷款利率的不确定性置之不理”，重新回到市场。</p>
<p>全国房地产经纪人协会首席经济学家 <strong>Lawrence Yun</strong> 确认了这一转变，指出代理商报告称 “在过去几周内买家需求激增”。</p>
<p><strong>另请阅读：</strong>
<strong>抵押贷款利率上升至 6.30%，但买家需求依然强劲，Freddie Mac 表示</strong></p>
<h2><strong>新建房屋吸引需求</strong></h2>
<p>这种重新燃起的买家热情正直接与严重受限的 现有房屋供应 相碰撞。被锁定在历史低利率中的房主们压根不愿意出售并承担新的 6.37% 抵押贷款。</p>
<p>由于现有库存基本被冻结，买家正在转向 新建房屋。Freddie Mac 正式证实了这一转变，指出 “买家条件略有改善，新房销售有所提升”，并且 “市场上有更多库存” 进入。</p>
<p>这种动态为像 D.R. Horton 和 Lennar 这样的建筑商提供了巨大的顺风，帮助他们填补现有房主留下的供应空缺。</p>
<h2><strong>翻新激增，再融资下滑</strong></h2>
<p>利率锁定效应也在根本上改变消费者支出。普遍存在的留住和翻新心态正在推动家居改善零售商如 <strong>Home Depot Inc.</strong> (NYSE: HD) 和 <strong>Lowe’s Companies Inc.</strong> (NYSE: LOW) 的增长，因为被困的房主选择投资于翻新而不是搬迁。</p>
<p>相反，停滞不前的 现有房屋市场 继续打击再融资领域，申请量再下降 1%。</p>
<p>尽管购房申请的突然激增为发放贷款者提供了急需的生机，但抵押贷款服务商仍然高度依赖管理其现有的低利率贷款组合，以应对当前周期。</p>
<blockquote>
<p>上升的利率正在影响今年春季销售季节的房屋销售活动。现有房屋销售在今年前四个月增长了 2.3%（NSA），远低于 8.6% 的平均增长。油价上涨和… pic.twitter.com/raAcOtAmql</p>
<p>— Equity Clock (@EquityClock) May 13, 2026</p>
</blockquote>
<p>以下是一些房地产和 REIT 相关 ETF 供投资者考虑。</p>
<table>
<thead>
<tr>
<th></th>
<th></th>
<th></th>
<th></th>
</tr>
</thead>
<tbody>
<tr>
<td><strong>ETF</strong></td>
<td><strong>年初至今表现</strong></td>
<td><strong>6 个月表现</strong></td>
<td><strong>一年表现</strong></td>
</tr>
<tr>
<td>SPDR S&amp;P Homebuilders ETF (NYSE: XHB)</td>
<td>-3.87%</td>
<td>-4.94%</td>
<td>-2.20%</td>
</tr>
<tr>
<td>Vanguard Real Estate Index Fund ETF (NYSE: VNQ)</td>
<td>7.48%</td>
<td>5.94%</td>
<td>8.40%</td>
</tr>
<tr>
<td>Schwab US REIT ETF (NYSE: SCHH)</td>
<td>12.11%</td>
<td>10.79%</td>
<td>11.58%</td>
</tr>
<tr>
<td>Real Estate Select Sector SPDR Fund (NYSE: XLRE)</td>
<td>8.57%</td>
<td>6.86%</td>
<td>7.59%</td>
</tr>
<tr>
<td>iShares US Real Estate ETF (NYSE: IYR)</td>
<td>7.71%</td>
<td>6.45%</td>
<td>9.10%</td>
</tr>
<tr>
<td>iShares Core US REIT ETF (NYSE: USRT)</td>
<td>12.94%</td>
<td>11.14%</td>
<td>14.74%</td>
</tr>
<tr>
<td>DFA Dimensional Global Real Estate ETF (NYSE: DFGR)</td>
<td>8.89%</td>
<td>6.83%</td>
<td>9.73%</td>
</tr>
<tr>
<td>SPDR Dow Jones REIT ETF (NYSE: RWR)</td>
<td>11.30%</td>
<td>10.15%</td>
<td>13.88%</td>
</tr>
</tbody>
</table>
<p><strong>另请阅读：</strong>
<strong>抵押贷款利率再次下降——房地产 ETF 准备反弹吗？</strong></p>
<p>**<em>免责声明</em>：<em>本内容部分由 AI 工具生成，并由 Benzinga 编辑审核和发布。</em></p>
<p><em>图片来源：Shutterstock</em></p>

家得宝

劳氏

莱纳房产-A

霍顿房屋

莱纳房产-B

美国房产主题 ETF - SPDR

美国房产建筑 - PowerShares

住房建设 3 倍做多 ETF - Direxion

美国房产建设 ETF - iShares

<p>抵押贷款利率已达到五周来的最高点 6.37%，但购房者仍然重返市场，推动了像 D.R. Horton 和 Lennar 这样的主要建筑商。上周购房抵押贷款申请增加了 4%，这表明消费者情绪发生了变化。由于现有房屋库存低，买家开始转向新建房屋。这一趋势也使家居改善零售商如家得宝和劳氏受益，因为房主选择投资于装修而不是搬家。尽管利率上升，对新房的需求仍在增加，为建筑商创造了机会，并影响了整体房地产市场的动态</p>

<p>Despite mortgage rates climbing to five-week highs, sidelined homebuyers are returning to the market in a sudden surge, creating a lucrative plot twist for major homebuilders like <strong>D.R. Horton Inc.</strong> (NYSE: DHI) and <strong>Lennar Corp.</strong> (NYSE: LEN).</p>
<div class="lb-trans"><p>尽管 抵押贷款利率 攀升至五周来的最高点，但被搁置的购房者突然回归市场，给像 <strong>D.R. Horton Inc.</strong> (NYSE: DHI) 和 <strong>Lennar Corp.</strong> (NYSE: LEN) 等主要房屋建筑商带来了丰厚的意外转机。</p>
</div><h2><strong>Buyers Accept The ‘New Normal’</strong></h2>
<div class="lb-trans"><h2><strong>买家接受 ‘新常态’</strong></h2>
</div><p>The 30-year fixed-rate mortgage currently averages 6.37%, according to the latest Freddie Mac Primary Mortgage Market Survey, up from 6.30% last week. While the Mortgage Bankers Association (MBA), as reported a brief Wednesday spike to 6.46%, the overarching data reveal a market where buyers are finally tired of waiting.</p>
<div class="lb-trans"><p>根据最新的 Freddie Mac 主要抵押贷款市场调查，30 年期固定利率抵押贷款的平均利率目前为 6.37%，高于上周的 6.30%。虽然抵押贷款银行家协会（MBA）报告周三短暂飙升至 6.46%，但总体数据揭示了一个买家终于厌倦等待的市场。</p>
</div><p>Purchase mortgage applications jumped 4% over the past week and are currently tracking 7% higher year-over-year.</p>
<div class="lb-trans"><p>购房抵押贷款申请 在过去一周内跃升了 4%，目前同比增长 7%。</p>
</div><p>Industry leaders are observing a clear shift in consumer psychology. Potential homebuyers “shrugged off” the current economic and mortgage rate uncertainties and returned to the market, <strong>Joel Kan</strong>, an MBA economist, told CNBC.</p>
<div class="lb-trans"><p>行业领导者观察到消费者心理的明显转变。MBA 经济学家 <strong>Joel Kan</strong> 告诉 CNBC，潜在购房者 “对当前经济和抵押贷款利率的不确定性置之不理”，重新回到市场。</p>
</div><p>National Association of Realtors chief economist <strong>Lawrence Yun</strong> confirmed the turning tide, noting agents are reporting a “surge in buyer demand in just the last few weeks.”</p>
<div class="lb-trans"><p>全国房地产经纪人协会首席经济学家 <strong>Lawrence Yun</strong> 确认了这一转变，指出代理商报告称 “在过去几周内买家需求激增”。</p>
</div><p><strong>Read Also:</strong>
<strong>Mortgage Rates Tick Up To 6.30% But Buyer Demand Is Robust, Freddie Mac Says</strong></p>
<div class="lb-trans"><p><strong>另请阅读：</strong>
<strong>抵押贷款利率上升至 6.30%，但买家需求依然强劲，Freddie Mac 表示</strong></p>
</div><h2><strong>New Construction Captures Demand</strong></h2>
<div class="lb-trans"><h2><strong>新建房屋吸引需求</strong></h2>
</div><p>This renewed buyer enthusiasm is colliding directly with a severely constrained supply of existing homes. Homeowners locked into historically low interest rates are overwhelmingly refusing to sell and take on a new 6.37% mortgage.</p>
<div class="lb-trans"><p>这种重新燃起的买家热情正直接与严重受限的 现有房屋供应 相碰撞。被锁定在历史低利率中的房主们压根不愿意出售并承担新的 6.37% 抵押贷款。</p>
</div><p>With existing inventory essentially frozen, buyers are pivoting to new construction. Freddie Mac officially corroborated this shift, noting “slightly better conditions for buyers with a boost in new-home sales” and “higher inventory” entering the market.</p>
<div class="lb-trans"><p>由于现有库存基本被冻结，买家正在转向 新建房屋。Freddie Mac 正式证实了这一转变，指出 “买家条件略有改善，新房销售有所提升”，并且 “市场上有更多库存” 进入。</p>
</div><p>This dynamic serves as a massive tailwind for builders like D.R. Horton and Lennar, who are actively filling the supply vacuum left by existing homeowners.</p>
<div class="lb-trans"><p>这种动态为像 D.R. Horton 和 Lennar 这样的建筑商提供了巨大的顺风，帮助他们填补现有房主留下的供应空缺。</p>
</div><h2><strong>Remodeling Surges As Refinances Sink</strong></h2>
<div class="lb-trans"><h2><strong>翻新激增，再融资下滑</strong></h2>
</div><p>The rate lock-in effect is also radically redirecting consumer spending. A pervasive stay and rehab mentality is boosting home improvement retailers like <strong>Home Depot Inc.</strong> (NYSE: HD) and <strong>Lowe’s Companies Inc.</strong> (NYSE: LOW), as trapped homeowners invest in renovations instead of relocating.</p>
<div class="lb-trans"><p>利率锁定效应也在根本上改变消费者支出。普遍存在的留住和翻新心态正在推动家居改善零售商如 <strong>Home Depot Inc.</strong> (NYSE: HD) 和 <strong>Lowe’s Companies Inc.</strong> (NYSE: LOW) 的增长，因为被困的房主选择投资于翻新而不是搬迁。</p>
</div><p>Conversely, the stagnant existing-home market continues to punish the refinance sector, with applications dropping another 1%.</p>
<div class="lb-trans"><p>相反，停滞不前的 现有房屋市场 继续打击再融资领域，申请量再下降 1%。</p>
</div><p>While the sudden jump in purchase applications offers originators a much-needed lifeline, mortgage servicers remain highly reliant on managing their existing, low-rate loan portfolios to weather the current cycle.</p>
<div class="lb-trans"><p>尽管购房申请的突然激增为发放贷款者提供了急需的生机，但抵押贷款服务商仍然高度依赖管理其现有的低利率贷款组合，以应对当前周期。</p>
</div><blockquote>
<p>Rising interest rates are weighing on the trajectory of home sales activity through this spring selling season. Existing home sales have expanded by 2.3% (NSA) through the first four months of this year, a fraction of the 8.6% rise that is average. Rising price of oil and rising… pic.twitter.com/raAcOtAmql</p>
<p>— Equity Clock (@EquityClock) May 13, 2026</p>
</blockquote>
<div class="lb-trans"><blockquote>
<p>上升的利率正在影响今年春季销售季节的房屋销售活动。现有房屋销售在今年前四个月增长了 2.3%（NSA），远低于 8.6% 的平均增长。油价上涨和… pic.twitter.com/raAcOtAmql</p>
<p>— Equity Clock (@EquityClock) May 13, 2026</p>
</blockquote>
</div><p>Here’s a list of some real estate and REIT-linked ETFs for investors to consider.</p>
<div class="lb-trans"><p>以下是一些房地产和 REIT 相关 ETF 供投资者考虑。</p>
</div><table>
<thead>
<tr>
<th></th>
<th></th>
<th></th>
<th></th>
</tr>
</thead>
<tbody>
<tr>
<td><strong>ETFs</strong></td>
<td><strong>YTD Performance</strong></td>
<td><strong>6-Month Performance</strong></td>
<td><strong>One Year Performance</strong></td>
</tr>
<tr>
<td>SPDR S&amp;P Homebuilders ETF (NYSE: XHB)</td>
<td>-3.87%</td>
<td>-4.94%</td>
<td>-2.20%</td>
</tr>
<tr>
<td>Vanguard Real Estate Index Fund ETF (NYSE: VNQ)</td>
<td>7.48%</td>
<td>5.94%</td>
<td>8.40%</td>
</tr>
<tr>
<td>Schwab US REIT ETF (NYSE: SCHH)</td>
<td>12.11%</td>
<td>10.79%</td>
<td>11.58%</td>
</tr>
<tr>
<td>Real Estate Select Sector SPDR Fund (NYSE: XLRE)</td>
<td>8.57%</td>
<td>6.86%</td>
<td>7.59%</td>
</tr>
<tr>
<td>iShares US Real Estate ETF (NYSE: IYR)</td>
<td>7.71%</td>
<td>6.45%</td>
<td>9.10%</td>
</tr>
<tr>
<td>iShares Core US REIT ETF (NYSE: USRT)</td>
<td>12.94%</td>
<td>11.14%</td>
<td>14.74%</td>
</tr>
<tr>
<td>DFA Dimensional Global Real Estate ETF (NYSE: DFGR)</td>
<td>8.89%</td>
<td>6.83%</td>
<td>9.73%</td>
</tr>
<tr>
<td>SPDR Dow Jones REIT ETF (NYSE: RWR)</td>
<td>11.30%</td>
<td>10.15%</td>
<td>13.88%</td>
</tr>
</tbody>
</table>
<div class="lb-trans"><table>
<thead>
<tr>
<th></th>
<th></th>
<th></th>
<th></th>
</tr>
</thead>
<tbody>
<tr>
<td><strong>ETF</strong></td>
<td><strong>年初至今表现</strong></td>
<td><strong>6 个月表现</strong></td>
<td><strong>一年表现</strong></td>
</tr>
<tr>
<td>SPDR S&amp;P Homebuilders ETF (NYSE: XHB)</td>
<td>-3.87%</td>
<td>-4.94%</td>
<td>-2.20%</td>
</tr>
<tr>
<td>Vanguard Real Estate Index Fund ETF (NYSE: VNQ)</td>
<td>7.48%</td>
<td>5.94%</td>
<td>8.40%</td>
</tr>
<tr>
<td>Schwab US REIT ETF (NYSE: SCHH)</td>
<td>12.11%</td>
<td>10.79%</td>
<td>11.58%</td>
</tr>
<tr>
<td>Real Estate Select Sector SPDR Fund (NYSE: XLRE)</td>
<td>8.57%</td>
<td>6.86%</td>
<td>7.59%</td>
</tr>
<tr>
<td>iShares US Real Estate ETF (NYSE: IYR)</td>
<td>7.71%</td>
<td>6.45%</td>
<td>9.10%</td>
</tr>
<tr>
<td>iShares Core US REIT ETF (NYSE: USRT)</td>
<td>12.94%</td>
<td>11.14%</td>
<td>14.74%</td>
</tr>
<tr>
<td>DFA Dimensional Global Real Estate ETF (NYSE: DFGR)</td>
<td>8.89%</td>
<td>6.83%</td>
<td>9.73%</td>
</tr>
<tr>
<td>SPDR Dow Jones REIT ETF (NYSE: RWR)</td>
<td>11.30%</td>
<td>10.15%</td>
<td>13.88%</td>
</tr>
</tbody>
</table>
</div><p><strong>Read Also:</strong>
<strong>Mortgage Rates Are Falling Again — Are Housing ETFs Ready To Rebound?</strong></p>
<div class="lb-trans"><p><strong>另请阅读：</strong>
<strong>抵押贷款利率再次下降——房地产 ETF 准备反弹吗？</strong></p>
</div><p><strong><em>Disclaimer</em>:</strong> <em>This content was partially produced with the help of AI tools and was reviewed and published by Benzinga editors.</em></p>
<div class="lb-trans"><p>**<em>免责声明</em>：<em>本内容部分由 AI 工具生成，并由 Benzinga 编辑审核和发布。</em></p>
</div><p><em>Photo courtesy: Shutterstock</em></p>
<div class="lb-trans"><p><em>图片来源：Shutterstock</em></p>
</div>

Mortgage Rates Hit Five-Week Highs—But Homebuyers Are Returning, Boosting Home Depot, Lowe's And Other Builders

benzinga_article

房地美

美国房地产 ETF - Vanguard

美国房地产投资信托 ETF - Charles Schwab

美国房地产 ETF - SPDR

房地产指数 ETF - iShares 道琼斯

核心美国房地产信托 ETF - iShares

Dimensional Global Real Estate ETF

道琼斯房地产投资信托 ETF - SPDR

抵押贷款利率达到五周来的高点——然而购房者正在回归，这推动了家得宝、劳氏以及其他建筑商的增长