<div id="readability-page-1">Rates climb again: Average 30-year fixed mortgage rates are around 6.5%, up from recent lows, as inflation and geopolitical tensions push borrowing costs higher. 5% seen as unlikely: Experts say rates near 5% would require major shifts in oil prices, inflation, and economic growth, making such a drop improbable soon. Buyers weigh timing: With forecasts uncertain, some homebuyers are locking in rates now, accepting they can refinance later if conditions improve.</div>

<p>平均 30 年期固定抵押贷款利率已上升至约 6.5%，受到通货膨胀和地缘政治紧张局势的影响。专家认为，除非油价、通货膨胀和经济增长发生重大变化，否则降至 5% 的可能性不大。鉴于预测不确定，一些购房者选择锁定当前利率，计划在条件改善时再进行再融资</p>

专家认为，由于全球压力，5% 的抵押贷款利率仍然遥不可及