<p>作者：Aarthi Swaminathan</p>
<p>美聯儲主席傑羅姆·鮑威爾表示，單靠降息無法解決美國的 “結構性住房短缺” 問題。</p>
<p>美聯儲主席傑羅姆·鮑威爾表示，購房者面臨的根本問題是住房供應不足。</p>
<p>由於抵押貸款利率高企和庫存低迷的雙重打擊，近年來許多美國人購房變得負擔不起，這導致房價創下歷史新高。</p>
<p>但在 2025 年期間，住房成本的一個部分有所緩解，儘管只是略微：抵押貸款成本。</p>
<p>在 2025 年 1 月至 12 月之間，抵押貸款利率有所下降。</p>
<p>因此，白宮本週在社交媒體上表示，借款人購買一套中位價新房的年支付金額減少了近 3000 美元。</p>
<p>然而，抵押貸款成本的近期下降並沒有顯著改善住房可負擔性。儘管市場似乎整體上變得更有利於買家，一些賣家降低了房屋掛牌價格，但大多數買家仍然覺得購房過於昂貴。</p>
<p>今年首次購房者的平均年齡達到了 40 歲，創下歷史新高，這再次表明可負擔性阻礙了美國人實現購置自己住房等關鍵里程碑。</p>
<p>美聯儲主席傑羅姆·鮑威爾在週三宣佈美聯儲降息四分之一個百分點後表示，根本問題是住房供應不足。他説：“我們可以提高或降低利率，但我們實際上沒有工具來解決……結構性住房短缺。”</p>
<p>被鎖定在低利率抵押貸款中的房主</p>
<p>高企的抵押貸款利率只是導致許多購房者被排除在市場之外的一個原因。即使利率下降，房價仍然居高不下。這在很大程度上是由於美國住房市場的庫存緊縮。</p>
<p>即使是當前的房主，隨着房價在過去幾年飆升，他們的房屋淨值也大幅增加，但仍然發現搬家變得困難。房地產網站 Realtor.com 的數據發現，房主持有的未償還抵押貸款的中位利率約為 4%，這意味着每月的抵押貸款支付約為 1300 美元。</p>
<p>（Realtor.com 由新聞集團子公司 Move Inc.運營；MarketWatch 的出版商道瓊斯也是新聞集團的子公司。）</p>
<p>但在當前利率下，該支付金額將約為 2200 美元，比這些房主目前支付的金額高出 70% 以上。</p>
<p>鮑威爾表示：“許多人在疫情期間獲得了非常非常低的抵押貸款利率，他們不斷再融資並抓住了最低利率，因此搬家對他們來説可能很昂貴。”</p>
<p>由於許多房主被鎖定在這些抵押貸款和房屋中，過去幾年待售房屋的供應相對較低。雖然建築商加大了住房建設，但他們發現很難出售這些房屋，因為買家覺得新建房產負擔不起或不具吸引力。</p>
<p>鮑威爾補充道：“我們在這個國家很長時間沒有建造足夠的住房，因此許多估計表明，我們需要更多不同類型的住房。”</p>
<p>白宮宣傳降低抵押貸款成本</p>
<p>唐納德·特朗普總統在競選期間以及後來在白宮時承諾降低抵押貸款利率，以使住房更具可負擔性。</p>
<p>週二，白宮表示在實現這一目標上取得了進展，展示了一張圖表，顯示在拜登政府期間，中位價新房的抵押貸款年支付額曾躍升 15000 美元，然後在特朗普第二任期的前 11 個月內下降了 3000 美元。</p>
<p>白宮隨後向 MarketWatch 澄清，他們比較的是 2021 年 1 月和 2025 年 1 月之間的抵押貸款利率基礎上的月支付金額，以及 2021 年 1 月和 2025 年 12 月初之間的金額。他們假設 10% 的首付和 410,800 美元的中位房價，這是 2025 年第二季度新建房屋的成本。</p>
<p>這種比較並不完全相同，因為它將拜登的完整四年任期與特朗普的前 11 個月進行對比，但整體信息是，抵押貸款利率在特朗普的第二任期內有所下降，這與拜登任期內利率的飆升形成鮮明對比，這是準確的。</p>
<p>Realtor.com 首席經濟學家丹妮爾·黑爾在審查白宮的圖表後告訴 MarketWatch：“總統任期較長，他們對經濟的影響並不一定在行政更替時開始和結束，這可能使得使用數據來支持有利的論點變得容易，但更難證明這種功勞確實歸因於總統的更換。”</p>
<p>黑爾還指出，在拜登任期內，抵押貸款利率從歷史低位波動到近期高峰，從 2021 年 1 月他上任時的 2.74% 上升到 2024 年 12 月的 6.72%。</p>
<p>大多數經濟學家表示，這樣低的利率在大多數美國人的一生中不太可能再次出現，除非美國經濟嚴重崩潰，或者出現其他衝擊，比如全球大流行。</p>
<p>自特朗普上任以來，在 2025 年期間，利率從 6.96% 下降到最近的 6.17%，她補充道，這解釋了為什麼抵押貸款的年度成本在特朗普任期內呈下降趨勢。根據 Freddie Mac 的數據，截至 12 月 11 日，30 年期抵押貸款利率為 6.22%，低於 1 月 2 日的 6.91%。</p>
<p>在拜登任期內，新房的中位價格上漲超過 20%，而在特朗普上任後的 1 月到 8 月之間，價格下降了約 2%，這是最新的數據可用的月份，黑爾補充道。</p>
<p>儘管住房可負擔性已成為許多美國人和政治家的關注焦點，但根據洲際交易所的一份報告，過去幾年實際上有所改善。</p>
<p>根據 ICE 的數據，在 11 月中旬，當 30 年期抵押貸款的平均利率為 6.25% 時，中位數房價的每月本金和利息支付約為 2100 美元，這大約佔中位數家庭收入的 30%——這一水平被認為是負擔得起的。這個支付與收入的比率是自 2023 年初以來的最低水平。</p>
<p>ICE 在報告中表示：“住房負擔能力達到了近三年來的最佳水平，但仍然緊張。”</p>
<p>特朗普將住房負擔能力問題歸咎於鮑威爾。</p>
<p>特朗普在今年早些時候多次批評鮑威爾沒有降息，並表示美聯儲主席在利率上的不作為阻礙了美國人購房。但美聯儲並不直接控制抵押貸款利率。</p>
<p>相反，抵押貸款利率往往與 10 年期國債收益率 BX:TMUBMUSD10Y 同步變動，這反映了債券市場和投資者對經濟走向及美聯儲下一步行動的看法。這就是為什麼抵押貸款利率有時在美聯儲降息時反而上升的原因。</p>
<p>儘管如此，白宮在其社交媒體帖子中表示：“特朗普已經削減了新抵押貸款的年度成本。”</p>
<p>一位白宮發言人將 “飆升的房價、飛漲的抵押貸款利率和下降的實際工資” 歸咎於拜登政府，並告訴 MarketWatch：“特朗普總統努力迅速實施政策——從快速放鬆監管、減税以提高可支配收入，到確保我們的邊界以阻止推動房價和租金上漲的虛假和非法需求——以開始扭轉這些趨勢。”</p>
<p>預計抵押貸款利率將在 2026 年下降。</p>
<p>大多數行業預測預計抵押貸款利率明年將有所緩和或略微下降。</p>
<p>在其 11 月的住房市場預測中，住房金融巨頭房利美（FNMA）表示，預計 30 年期抵押貸款將在 2026 年第一季度降至 6.2%，並在年底時降至 5.9%。</p>
<p>此外，越來越多的賣家開始接受降價，因為許多人發現很難在當前環境中出售房屋。</p>
<p>新澤西州莫里斯敦的 Bridgeway Mortgage 和房地產服務公司的負責人邁克爾·裏德告訴 MarketWatch：“我們正走向更好的時光。我認為高利率已經成為過去，我確實相信較低的利率將打開庫存，使購房變得更加負擔得起。”</p>
<p>您是否有關於房地產的問題希望在 MarketWatch 中看到？我們希望聽到讀者的聲音。您可以通過 readerstories@marketwatch.com 與我們聯繫。記者可能會聯繫您以瞭解更多信息。MarketWatch 不會在未經您許可的情況下將您的回答以您的名字歸屬。</p>
<p>-阿爾西·斯瓦米納坦</p>
<p>此內容由 MarketWatch 創建，MarketWatch 由道瓊斯公司運營。MarketWatch 獨立於道瓊斯新聞社和《華爾街日報》發佈。</p>
<p>（完）道瓊斯新聞社</p>
<p>12-11-25 1742ET</p>

房利美

<p>在特朗普的第二任期內，抵押貸款利率有所下降，使得中位數房價的年抵押貸款支付減少了近 3000 美元。然而，由於房價高企和庫存不足，住房負擔能力仍然是一個挑戰。美聯儲主席傑羅姆·鮑威爾強調結構性住房短缺是一個關鍵問題，並指出單靠利率調整無法解決這一問題。白宮聲稱在降低抵押貸款成本方面取得了進展，這與拜登任期內的利率上升形成對比。儘管利率較低，但許多房主被鎖定在低利率抵押貸款中，限制了住房供應</p>

<p>By Aarthi Swaminathan</p>
<div class="lb-trans"><p>作者：Aarthi Swaminathan</p>
</div><p>Interest-rate cuts alone can't fix America's 'structural housing shortage,' Fed Chair Jerome Powell says</p>
<div class="lb-trans"><p>美聯儲主席傑羅姆·鮑威爾表示，單靠降息無法解決美國的 “結構性住房短缺” 問題。</p>
</div><p>The fundamental problem for home buyers is that housing is in short supply, Fed Chair Jerome Powell says.</p>
<div class="lb-trans"><p>美聯儲主席傑羅姆·鮑威爾表示，購房者面臨的根本問題是住房供應不足。</p>
</div><p>Buying a house has been unaffordable for many Americans in recent years due to a one-two punch of elevated mortgage rates and a low inventory, which has pushed up home prices to record highs.</p>
<div class="lb-trans"><p>由於抵押貸款利率高企和庫存低迷的雙重打擊，近年來許多美國人購房變得負擔不起，這導致房價創下歷史新高。</p>
</div><p>But over the course of 2025, one part of the cost of housing has eased, if only slightly: The cost of a mortgage.</p>
<div class="lb-trans"><p>但在 2025 年期間，住房成本的一個部分有所緩解，儘管只是略微：抵押貸款成本。</p>
</div><p>Between January and December 2025, mortgage rates have gone down.</p>
<div class="lb-trans"><p>在 2025 年 1 月至 12 月之間，抵押貸款利率有所下降。</p>
</div><p>As a result, the annual amount that a borrower would spend on payments on a new mortgage for a median-priced new house has fallen by nearly $3,000, the White House said this week in a social-media post.</p>
<div class="lb-trans"><p>因此，白宮本週在社交媒體上表示，借款人購買一套中位價新房的年支付金額減少了近 3000 美元。</p>
</div><p>But overall, the recent drop in mortgage costs hasn't moved the needle much on housing affordability. While the market seems to be becoming more buyer-friendly overall, with some sellers cutting prices on home listings, most buyers are still finding it too expensive to buy a house.</p>
<div class="lb-trans"><p>然而，抵押貸款成本的近期下降並沒有顯著改善住房可負擔性。儘管市場似乎整體上變得更有利於買家，一些賣家降低了房屋掛牌價格，但大多數買家仍然覺得購房過於昂貴。</p>
</div><p>The average age of a first-time home buyer hit an all-time high of 40 this year, the latest sign that affordability is standing in the way of Americans achieving key milestones such as buying their own home.</p>
<div class="lb-trans"><p>今年首次購房者的平均年齡達到了 40 歲，創下歷史新高，這再次表明可負擔性阻礙了美國人實現購置自己住房等關鍵里程碑。</p>
</div><p>The fundamental problem is that housing is in short supply, Fed Chair Jerome Powell said after announcing the Fed's quarter-point rate cut on Wednesday. &#34;We can raise or lower interest rates, but we don't really have the tools to address ... a structural housing shortage,&#34; he said.</p>
<div class="lb-trans"><p>美聯儲主席傑羅姆·鮑威爾在週三宣佈美聯儲降息四分之一個百分點後表示，根本問題是住房供應不足。他説：“我們可以提高或降低利率，但我們實際上沒有工具來解決……結構性住房短缺。”</p>
</div><p>Homeowners locked into their low-rate mortgages</p>
<div class="lb-trans"><p>被鎖定在低利率抵押貸款中的房主</p>
</div><p>Elevated mortgage rates are only one reason so many home buyers have been shut out of the market. Even if rates are down, home prices remain high. That's largely because of the inventory squeeze in the U.S. housing market.</p>
<div class="lb-trans"><p>高企的抵押貸款利率只是導致許多購房者被排除在市場之外的一個原因。即使利率下降，房價仍然居高不下。這在很大程度上是由於美國住房市場的庫存緊縮。</p>
</div><p>Even current homeowners, who have experienced considerable home-equity gains as home values have skyrocketed over the past few years, are finding it hard to afford a move. The median rate on outstanding mortgages held by homeowners is about 4%, which translates to a monthly mortgage payment of about $1,300, Realtor.com data found.</p>
<div class="lb-trans"><p>即使是當前的房主，隨着房價在過去幾年飆升，他們的房屋淨值也大幅增加，但仍然發現搬家變得困難。房地產網站 Realtor.com 的數據發現，房主持有的未償還抵押貸款的中位利率約為 4%，這意味着每月的抵押貸款支付約為 1300 美元。</p>
</div><p>(Realtor.com is operated by News Corp subsidiary Move Inc.; MarketWatch publisher Dow Jones is also a subsidiary of News Corp.)</p>
<div class="lb-trans"><p>（Realtor.com 由新聞集團子公司 Move Inc.運營；MarketWatch 的出版商道瓊斯也是新聞集團的子公司。）</p>
</div><p>But at current rates, that payment would be about $2,200 - over 70% higher than what those homeowners are currently paying.</p>
<div class="lb-trans"><p>但在當前利率下，該支付金額將約為 2200 美元，比這些房主目前支付的金額高出 70% 以上。</p>
</div><p>&#34;Many people have very, very low-rate mortgages from the pandemic period, and they kept refinancing and caught the really lowest, so it's maybe expensive for them to move,&#34; Powell said.</p>
<div class="lb-trans"><p>鮑威爾表示：“許多人在疫情期間獲得了非常非常低的抵押貸款利率，他們不斷再融資並抓住了最低利率，因此搬家對他們來説可能很昂貴。”</p>
</div><p>Since many of these homeowners are locked into these mortgages and homes, the supply of homes for sale has been relatively low over the past few years. Builders have ramped up home building, but they've found it difficult to sell these homes as buyers find newly built properties unaffordable, or unappealing.</p>
<div class="lb-trans"><p>由於許多房主被鎖定在這些抵押貸款和房屋中，過去幾年待售房屋的供應相對較低。雖然建築商加大了住房建設，但他們發現很難出售這些房屋，因為買家覺得新建房產負擔不起或不具吸引力。</p>
</div><p>&#34;We haven't built enough housing in the country for a long time, and so a lot of estimates suggest that we just need more housing of different kinds,&#34; Powell added.</p>
<div class="lb-trans"><p>鮑威爾補充道：“我們在這個國家很長時間沒有建造足夠的住房，因此許多估計表明，我們需要更多不同類型的住房。”</p>
</div><p>White House touts lower mortgage costs</p>
<div class="lb-trans"><p>白宮宣傳降低抵押貸款成本</p>
</div><p>President Donald Trump vowed on the campaign trail and later in the White House to bring mortgage rates down to make housing more affordable.</p>
<div class="lb-trans"><p>唐納德·特朗普總統在競選期間以及後來在白宮時承諾降低抵押貸款利率，以使住房更具可負擔性。</p>
</div><p>On Tuesday, the White House suggested it had made progress on that goal with a graphic showing that over the course of the Biden administration, the average yearly payment on a new mortgage on a median-priced new house had jumped $15,000, then fallen $3,000 during the first 11 months of Trump's second term.</p>
<div class="lb-trans"><p>週二，白宮表示在實現這一目標上取得了進展，展示了一張圖表，顯示在拜登政府期間，中位價新房的抵押貸款年支付額曾躍升 15000 美元，然後在特朗普第二任期的前 11 個月內下降了 3000 美元。</p>
</div><p>The White House later clarified to MarketWatch that it was comparing monthly payment amounts based on mortgage rates between January 2021 and January 2025, with amounts based on mortgage rates between January 2021 and early December 2025. They assumed a 10% down payment, and a median home price of $410,800, which was the cost of a newly built home as of the second quarter of 2025.</p>
<div class="lb-trans"><p>白宮隨後向 MarketWatch 澄清，他們比較的是 2021 年 1 月和 2025 年 1 月之間的抵押貸款利率基礎上的月支付金額，以及 2021 年 1 月和 2025 年 12 月初之間的金額。他們假設 10% 的首付和 410,800 美元的中位房價，這是 2025 年第二季度新建房屋的成本。</p>
</div><p>The comparison isn't apples to apples, because it puts Biden's full four-year term against the first 11 months of Trump's, but the overall message that mortgage rates have come down during Trump's second term - in stark contrast to the jump in rates during Biden's term - is accurate.</p>
<div class="lb-trans"><p>這種比較並不完全相同，因為它將拜登的完整四年任期與特朗普的前 11 個月進行對比，但整體信息是，抵押貸款利率在特朗普的第二任期內有所下降，這與拜登任期內利率的飆升形成鮮明對比，這是準確的。</p>
</div><p>&#34;Presidential terms are long and their impact on the economy doesn't necessarily start and stop exactly as the administrations change over, which can make it easy to use the data to make a favorable case, but harder to prove that credit is really due to the change in president,&#34; Danielle Hale, chief economist at Realtor.com, told MarketWatch after reviewing the White House's chart.</p>
<div class="lb-trans"><p>Realtor.com 首席經濟學家丹妮爾·黑爾在審查白宮的圖表後告訴 MarketWatch：“總統任期較長，他們對經濟的影響並不一定在行政更替時開始和結束，這可能使得使用數據來支持有利的論點變得容易，但更難證明這種功勞確實歸因於總統的更換。”</p>
</div><p>Hale also noted that during Biden's term, mortgage rates swung from rock-bottom levels to recent peaks, going up from 2.74% at the start of his term in January 2021 to 6.72% in December 2024.</p>
<div class="lb-trans"><p>黑爾還指出，在拜登任期內，抵押貸款利率從歷史低位波動到近期高峰，從 2021 年 1 月他上任時的 2.74% 上升到 2024 年 12 月的 6.72%。</p>
</div><p>Rates that low are not likely to appear again in most Americans' lifetimes, most economists have said, unless the U.S. economy crashes hard, or there's some other shock, like a global pandemic.</p>
<div class="lb-trans"><p>大多數經濟學家表示，這樣低的利率在大多數美國人的一生中不太可能再次出現，除非美國經濟嚴重崩潰，或者出現其他衝擊，比如全球大流行。</p>
</div><p>Over the course of 2025, since Trump took office, rates have dropped from 6.96% to a recent low of 6.17%, she added, which explains why the yearly cost of a mortgage has trended lower over Trump's term. The 30-year mortgage rate stood at 6.22% as of Dec. 11, according to Freddie Mac, down from 6.91% on Jan. 2.</p>
<div class="lb-trans"><p>自特朗普上任以來，在 2025 年期間，利率從 6.96% 下降到最近的 6.17%，她補充道，這解釋了為什麼抵押貸款的年度成本在特朗普任期內呈下降趨勢。根據 Freddie Mac 的數據，截至 12 月 11 日，30 年期抵押貸款利率為 6.22%，低於 1 月 2 日的 6.91%。</p>
</div><p>The median price of a new home rose more than 20% over Biden's term, and prices came down about 2% between January, when Trump came into office, and August, the last month for which data is available, Hale added.</p>
<div class="lb-trans"><p>在拜登任期內，新房的中位價格上漲超過 20%，而在特朗普上任後的 1 月到 8 月之間，價格下降了約 2%，這是最新的數據可用的月份，黑爾補充道。</p>
</div><p>Though housing affordability has become a focus for many Americans - and politicians - it has actually improved over the past couple of years, according to a report by Intercontinental Exchange.</p>
<div class="lb-trans"><p>儘管住房可負擔性已成為許多美國人和政治家的關注焦點，但根據洲際交易所的一份報告，過去幾年實際上有所改善。</p>
</div><p>In mid-November, when the average rate on the 30-year mortgage was 6.25%, the monthly principal and interest payment for a median-priced home was about $2,100, ICE said, which was about 30% of a median household's income - a level that's considered affordable. That payment-to-income ratio is at the lowest level since early 2023.</p>
<div class="lb-trans"><p>根據 ICE 的數據，在 11 月中旬，當 30 年期抵押貸款的平均利率為 6.25% 時，中位數房價的每月本金和利息支付約為 2100 美元，這大約佔中位數家庭收入的 30%——這一水平被認為是負擔得起的。這個支付與收入的比率是自 2023 年初以來的最低水平。</p>
</div><p>&#34;Home affordability is at its best levels in nearly three years, but remains stretched,&#34; ICE said in the report.</p>
<div class="lb-trans"><p>ICE 在報告中表示：“住房負擔能力達到了近三年來的最佳水平，但仍然緊張。”</p>
</div><p>Trump has blamed Powell for housing affordability woes</p>
<div class="lb-trans"><p>特朗普將住房負擔能力問題歸咎於鮑威爾。</p>
</div><p>Trump repeatedly criticized Powell earlier this year for not cutting interest rates, and said the Fed chair's inaction on rates was preventing Americans from buying houses. But the Fed doesn't directly control mortgage rates.</p>
<div class="lb-trans"><p>特朗普在今年早些時候多次批評鮑威爾沒有降息，並表示美聯儲主席在利率上的不作為阻礙了美國人購房。但美聯儲並不直接控制抵押貸款利率。</p>
</div><p>Instead, they tend to move in tandem with the yield on the 10-year Treasury note BX:TMUBMUSD10Y, which reacts to how the bond market and investors perceive the direction of the economy and the Fed's next moves. That's why mortgage rates move in unusual ways, sometimes rising when the Fed cuts.</p>
<div class="lb-trans"><p>相反，抵押貸款利率往往與 10 年期國債收益率 BX:TMUBMUSD10Y 同步變動，這反映了債券市場和投資者對經濟走向及美聯儲下一步行動的看法。這就是為什麼抵押貸款利率有時在美聯儲降息時反而上升的原因。</p>
</div><p>Nonetheless, the White House said in its social-media post that &#34;Trump has slashed the yearly cost of a new mortgage.&#34;</p>
<div class="lb-trans"><p>儘管如此，白宮在其社交媒體帖子中表示：“特朗普已經削減了新抵押貸款的年度成本。”</p>
</div><p>Blaming the Biden administration for &#34;surging home prices, skyrocketing mortgage rates and declining real wages,&#34; a White House spokesperson told MarketWatch that &#34;President Trump has worked to swiftly implement policies - from rapid deregulation, tax cuts to boost take-home pay, and securing our border to stop the artificial and illegal demand pushing up home and rent prices - to begin reversing these trends.&#34;</p>
<div class="lb-trans"><p>一位白宮發言人將 “飆升的房價、飛漲的抵押貸款利率和下降的實際工資” 歸咎於拜登政府，並告訴 MarketWatch：“特朗普總統努力迅速實施政策——從快速放鬆監管、減税以提高可支配收入，到確保我們的邊界以阻止推動房價和租金上漲的虛假和非法需求——以開始扭轉這些趨勢。”</p>
</div><p>Mortgage rates are expected to go down in 2026</p>
<div class="lb-trans"><p>預計抵押貸款利率將在 2026 年下降。</p>
</div><p>Most industry forecasts expect mortgage rates to either moderate or fall slightly next year.</p>
<div class="lb-trans"><p>大多數行業預測預計抵押貸款利率明年將有所緩和或略微下降。</p>
</div><p>In its November forecast for the housing market, housing-finance giant Fannie Mae (FNMA) said it expects the 30-year mortgage to fall to 6.2% in the first quarter of 2026, and end the year at 5.9%.</p>
<div class="lb-trans"><p>在其 11 月的住房市場預測中，住房金融巨頭房利美（FNMA）表示，預計 30 年期抵押貸款將在 2026 年第一季度降至 6.2%，並在年底時降至 5.9%。</p>
</div><p>Plus, more sellers are warming up to price cuts, since many are finding it difficult to get a home sold in the current environment.</p>
<div class="lb-trans"><p>此外，越來越多的賣家開始接受降價，因為許多人發現很難在當前環境中出售房屋。</p>
</div><p>&#34;We are heading into better times. I think the high interest rates are in the rearview mirror, and I do believe that lower rates will open up inventory, making purchasing homes more affordable,&#34; Michael Read, principal at Bridgeway Mortgage and Real Estate Services in Morristown, N.J., told MarketWatch.</p>
<div class="lb-trans"><p>新澤西州莫里斯敦的 Bridgeway Mortgage 和房地產服務公司的負責人邁克爾·裏德告訴 MarketWatch：“我們正走向更好的時光。我認為高利率已經成為過去，我確實相信較低的利率將打開庫存，使購房變得更加負擔得起。”</p>
</div><p>Do you have questions about real estate that you would like to see covered in MarketWatch? We would like to hear from readers. You can write to us at readerstories@marketwatch.com. A reporter may be in touch to learn more. MarketWatch will not attribute your answers to you by name without your permission.</p>
<div class="lb-trans"><p>您是否有關於房地產的問題希望在 MarketWatch 中看到？我們希望聽到讀者的聲音。您可以通過 readerstories@marketwatch.com 與我們聯繫。記者可能會聯繫您以瞭解更多信息。MarketWatch 不會在未經您許可的情況下將您的回答以您的名字歸屬。</p>
</div><p>-Aarthi Swaminathan</p>
<div class="lb-trans"><p>-阿爾西·斯瓦米納坦</p>
</div><p>This content was created by MarketWatch, which is operated by Dow Jones &amp; Co. MarketWatch is published independently from Dow Jones Newswires and The Wall Street Journal.</p>
<div class="lb-trans"><p>此內容由 MarketWatch 創建，MarketWatch 由道瓊斯公司運營。MarketWatch 獨立於道瓊斯新聞社和《華爾街日報》發佈。</p>
</div><p>(END) Dow Jones Newswires</p>
<div class="lb-trans"><p>（完）道瓊斯新聞社</p>
</div><p>12-11-25 1742ET</p>
<div class="lb-trans"><p>12-11-25 1742ET</p>
</div>

在特朗普執政期間，抵押貸款利率下降。這對購房者真正意味着什麼