---
title: "专家认为，由于全球压力，5% 的抵押贷款利率仍然遥不可及"
type: "News"
locale: "zh-CN"
url: "https://longbridge.com/zh-CN/news/286969182.md"
description: "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"
datetime: "2026-05-19T21:25:18.000Z"
locales:
  - [zh-CN](https://longbridge.com/zh-CN/news/286969182.md)
  - [en](https://longbridge.com/en/news/286969182.md)
  - [zh-HK](https://longbridge.com/zh-HK/news/286969182.md)
---

# 专家认为，由于全球压力，5% 的抵押贷款利率仍然遥不可及

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.

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