<p>根据 <strong>Mortgage News Daily</strong> 的数据，美国 30 年期固定抵押贷款利率在周二攀升至 6.75%，为 2025 年 7 月以来的最高水平，这引发了分析师的警告。</p>
<p>市场评论员 <strong>The Kobeissi Letter</strong> 警告称，此次变动可能标志着借贷成本再次上升的开始。</p>
<p>&#34;我们相信这些抵押贷款的平均利率很快将超过 7.00%，&#34; The Kobeissi Letter 在 X 平台的帖子中表示，并补充道&#34;通货膨胀实在是太高了。&#34;</p>
<blockquote>
<p>抵押贷款因此变得更加昂贵。</p>
<p>美国 30 年期固定抵押贷款的平均利率现在已升至 6.68%。在伊朗战争之前，该利率曾低于 6%。</p>
<p>我们相信这些抵押贷款的平均利率很快将超过 7.00%。</p>
<p>通货膨胀实在是太高了。 pic.twitter.com/Byde6rSDn7</p>
<p>— The Kobeissi Letter (@KobeissiLetter) 2026 年 5 月 19 日</p>
</blockquote>
<p>该账户还提到了 Mortgage News Daily 的每日利率调查，并强调平均抵押贷款利率已从伊朗战争前的 6% 以下飙升至本周接近 6.75%。</p>
<p>利率在短短 10 天内跳升了 33 个基点。这一增长已经开始影响可负担性。与早期利率水平相比，42 万美元中位数房屋的月供大约增加了 167 美元。</p>
<p>主要房屋建筑商的股票在周二也出现下跌，<strong>D.R. Horton, Inc.</strong> (NYSE: DHI) 下跌 2.01%，<strong>Lennar Corporation</strong> (NYSE: LEN) 下滑 0.98%，<strong>PulteGroup, Inc.</strong> (NYSE: PHM) 下跌 0.65%，因抵押贷款利率上升重新引发了住房市场的可负担性担忧。</p>
<h2>债券市场压力加大</h2>
<p>The Kobeissi Letter 广泛将抵押贷款的激增与国债和债券市场的压力加大联系在一起。</p>
<p>评论指出，美国预算赤字在 2026 财年的前六个月达到了 1.2 万亿美元，而美国的总债务攀升至创纪录的 39 万亿美元。根据该帖子，巨额的国债发行正在淹没债券市场并推高收益率。</p>
<p>该账户还指出，市场在进入 2026 年时预计将有多达四次美联储降息。现在，交易员们越来越多地将未来加息的可能性纳入考虑。</p>
<p>The Kobeissi Letter 补充道，10 年期国债收益率现在已超过 2025 年 <strong>Donald Trump</strong> 总统早期因关税引发的市场波动时的水平。</p>
<p><strong>另请阅读：</strong>
<strong>特朗普政府因学生贷款打击医疗学位而被 23 个蓝州起诉</strong></p>
<h2>住房可负担性担忧回归</h2>
<p>抵押贷款利率的最新跳升延续了近期在住房市场上已经形成的更广泛趋势。</p>
<p>早期报告强调了与高国债收益率、持续的通货膨胀担忧以及与中东冲突相关的地缘政治紧张局势相关的借贷成本上升。<strong>美国的抵押贷款利率本月早些时候已超过 6%</strong>，因为贷款人对政府借贷成本上升和对更高油价可能使通货膨胀保持高位的担忧做出了反应。</p>
<p>住房可负担性压力也持续影响买家。<strong>全国房地产经纪人协会 此前下调了 2026 年房屋销售增长预测</strong>，因为可负担性担忧和消费者信心减弱导致需求放缓。</p>
<p>与此同时，其他住房数据显示，许多 <strong>买家已开始适应 “高位持续” 的</strong> 抵押贷款环境，即使再融资活动减弱，房主们也越来越不愿意放弃较低的疫情期间抵押贷款利率。</p>
<p><strong><em>免责声明：</em></strong> <em>此内容部分由 AI 工具生成，并由 Benzinga 编辑审核和发布。</em></p>
<p><em>图片来源于 Shutterstock</em></p>
<p><strong>另请阅读：</strong>
<strong>Elissa Slotkin 表示，参议院预测市场禁令应扩展至行政部门，因伊朗、委内瑞拉的可疑投注</strong></p>

<p>美国的抵押贷款利率已达到 6.75%，是自 2025 年 7 月以来的最高水平，分析师警告称，由于通货膨胀和国债收益率上升，利率可能很快超过 7%。这一增长导致房屋的月供增加，影响了购房能力，并导致主要房屋建筑商股票下跌。利率的飙升与国债市场的压力以及不断增长的美国预算赤字有关，市场预期也从可能的美联储降息转向可能的加息</p>

<p>The average U.S. 30-year fixed mortgage rate climbed to 6.75% on Tuesday, the highest level since July 2025, according to data from <strong>Mortgage News Daily</strong>, prompting warnings from analysts.</p>
<div class="lb-trans"><p>根据 <strong>Mortgage News Daily</strong> 的数据，美国 30 年期固定抵押贷款利率在周二攀升至 6.75%，为 2025 年 7 月以来的最高水平，这引发了分析师的警告。</p>
</div><p>Market commentator <strong>The Kobeissi Letter</strong> warned the move could mark the beginning of another leg higher for borrowing costs.</p>
<div class="lb-trans"><p>市场评论员 <strong>The Kobeissi Letter</strong> 警告称，此次变动可能标志着借贷成本再次上升的开始。</p>
</div><p>&#34;We believe the average rate on these mortgages will cross above 7.00% soon,&#34; The Kobeissi Letter said in a thread on X, adding that &#34;inflation is simply too hot.&#34;</p>
<div class="lb-trans"><p>&#34;我们相信这些抵押贷款的平均利率很快将超过 7.00%，&#34; The Kobeissi Letter 在 X 平台的帖子中表示，并补充道&#34;通货膨胀实在是太高了。&#34;</p>
</div><blockquote>
<p>Mortgages are becoming even more expensive as a result.</p>
<p>The average rate on a 30Y fixed mortgage in the US is now up to 6.68%. It was below 6% before the Iran War.</p>
<p>We believe the average rate on these mortgages will cross above 7.00% soon.</p>
<p>Inflation is simply too hot. pic.twitter.com/Byde6rSDn7</p>
<p>— The Kobeissi Letter (@KobeissiLetter) May 19, 2026</p>
</blockquote>
<div class="lb-trans"><blockquote>
<p>抵押贷款因此变得更加昂贵。</p>
<p>美国 30 年期固定抵押贷款的平均利率现在已升至 6.68%。在伊朗战争之前，该利率曾低于 6%。</p>
<p>我们相信这些抵押贷款的平均利率很快将超过 7.00%。</p>
<p>通货膨胀实在是太高了。 pic.twitter.com/Byde6rSDn7</p>
<p>— The Kobeissi Letter (@KobeissiLetter) 2026 年 5 月 19 日</p>
</blockquote>
</div><p>The account also referenced Mortgage News Daily's daily rate survey while highlighting that average mortgage rates had surged from below 6% before the Iran war to nearly 6.75% this week.</p>
<div class="lb-trans"><p>该账户还提到了 Mortgage News Daily 的每日利率调查，并强调平均抵押贷款利率已从伊朗战争前的 6% 以下飙升至本周接近 6.75%。</p>
</div><p>Rates have jumped 33 basis points in just 10 days. The increase has already started affecting affordability. Monthly payments on a median-priced $420,000 home have risen by roughly $167 compared with earlier rate levels.</p>
<div class="lb-trans"><p>利率在短短 10 天内跳升了 33 个基点。这一增长已经开始影响可负担性。与早期利率水平相比，42 万美元中位数房屋的月供大约增加了 167 美元。</p>
</div><p>Shares of major homebuilders also declined on Tuesday, with <strong>D.R. Horton, Inc.</strong> (NYSE: DHI) falling 2.01%, <strong>Lennar Corporation</strong> (NYSE: LEN) slipping 0.98% and <strong>PulteGroup, Inc.</strong> (NYSE: PHM) losing 0.65% as rising mortgage rates renewed affordability concerns across the housing market.</p>
<div class="lb-trans"><p>主要房屋建筑商的股票在周二也出现下跌，<strong>D.R. Horton, Inc.</strong> (NYSE: DHI) 下跌 2.01%，<strong>Lennar Corporation</strong> (NYSE: LEN) 下滑 0.98%，<strong>PulteGroup, Inc.</strong> (NYSE: PHM) 下跌 0.65%，因抵押贷款利率上升重新引发了住房市场的可负担性担忧。</p>
</div><h2>Bond Market Pressure Builds</h2>
<div class="lb-trans"><h2>债券市场压力加大</h2>
</div><p>The Kobeissi Letter broadly tied the mortgage surge to mounting pressure in the Treasury and bond markets.</p>
<div class="lb-trans"><p>The Kobeissi Letter 广泛将抵押贷款的激增与国债和债券市场的压力加大联系在一起。</p>
</div><p>The commentary pointed to the U.S. budget deficit reaching $1.2 trillion during the first six months of fiscal 2026, while total U.S. debt climbed to a record $39 trillion. According to the thread, heavy Treasury issuance is flooding the bond market and pushing yields higher.</p>
<div class="lb-trans"><p>评论指出，美国预算赤字在 2026 财年的前六个月达到了 1.2 万亿美元，而美国的总债务攀升至创纪录的 39 万亿美元。根据该帖子，巨额的国债发行正在淹没债券市场并推高收益率。</p>
</div><p>The account also noted markets entered 2026 expecting as many as four Federal Reserve rate cuts. Now, traders are increasingly pricing in the possibility of future rate hikes instead.</p>
<div class="lb-trans"><p>该账户还指出，市场在进入 2026 年时预计将有多达四次美联储降息。现在，交易员们越来越多地将未来加息的可能性纳入考虑。</p>
</div><p>The Kobeissi Letter added that the 10-year Treasury yield has now climbed above levels seen during President <strong>Donald Trump</strong>'s earlier tariff-related market volatility in 2025.</p>
<div class="lb-trans"><p>The Kobeissi Letter 补充道，10 年期国债收益率现在已超过 2025 年 <strong>Donald Trump</strong> 总统早期因关税引发的市场波动时的水平。</p>
</div><p><strong>Read Also:</strong>
<strong>Trump Administration Sued By 23 Blue States Over Student Loan Crackdown On Healthcare Degrees</strong></p>
<div class="lb-trans"><p><strong>另请阅读：</strong>
<strong>特朗普政府因学生贷款打击医疗学位而被 23 个蓝州起诉</strong></p>
</div><h2>Housing Affordability Concerns Return</h2>
<div class="lb-trans"><h2>住房可负担性担忧回归</h2>
</div><p>The latest jump in mortgage rates extends a broader trend already building across housing markets in recent weeks.</p>
<div class="lb-trans"><p>抵押贷款利率的最新跳升延续了近期在住房市场上已经形成的更广泛趋势。</p>
</div><p>Earlier reports highlighted rising borrowing costs tied to elevated Treasury yields, persistent inflation concerns and geopolitical tensions linked to the Middle East conflict. Mortgage rates in the <strong>U.S. had already climbed above 6% earlier this month</strong> as lenders reacted to rising government borrowing costs and fears that higher oil prices could keep inflation elevated.</p>
<div class="lb-trans"><p>早期报告强调了与高国债收益率、持续的通货膨胀担忧以及与中东冲突相关的地缘政治紧张局势相关的借贷成本上升。<strong>美国的抵押贷款利率本月早些时候已超过 6%</strong>，因为贷款人对政府借贷成本上升和对更高油价可能使通货膨胀保持高位的担忧做出了反应。</p>
</div><p>Housing affordability pressures have also continued weighing on buyers. The <strong>National Association of Realtors previously cut its 2026 home sales growth forecast</strong> as affordability concerns and weaker consumer confidence slowed demand.</p>
<div class="lb-trans"><p>住房可负担性压力也持续影响买家。<strong>全国房地产经纪人协会 此前下调了 2026 年房屋销售增长预测</strong>，因为可负担性担忧和消费者信心减弱导致需求放缓。</p>
</div><p>At the same time, separate housing data showed many <strong>buyers had started adapting to a &#34;higher-for-longer&#34;</strong> mortgage environment, even as refinancing activity weakened and homeowners increasingly avoided giving up lower pandemic-era mortgage rates.</p>
<div class="lb-trans"><p>与此同时，其他住房数据显示，许多 <strong>买家已开始适应 “高位持续” 的</strong> 抵押贷款环境，即使再融资活动减弱，房主们也越来越不愿意放弃较低的疫情期间抵押贷款利率。</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 a Benzinga editor.</em></p>
<div class="lb-trans"><p><strong><em>免责声明：</em></strong> <em>此内容部分由 AI 工具生成，并由 Benzinga 编辑审核和发布。</em></p>
</div><p><em>Image via Shutterstock</em></p>
<div class="lb-trans"><p><em>图片来源于 Shutterstock</em></p>
</div><p><strong>Read Also:</strong>
<strong>Elissa Slotkin Says Senate Prediction Market Ban Should Extend To Executive Branch After Suspicious Iran, Venezuela Bets</strong></p>
<div class="lb-trans"><p><strong>另请阅读：</strong>
<strong>Elissa Slotkin 表示，参议院预测市场禁令应扩展至行政部门，因伊朗、委内瑞拉的可疑投注</strong></p>
</div>

随着借贷成本不断攀升，抵押贷款利率会达到 7% 吗？