<p>作者：Aarthi Swaminathan</p>
<p>這與一年前的利率相比發生了重大變化：去年一月，30 年期利率平均為 7.04%。</p>
<p>抵押貸款利率降至三年來的最低水平——這對一直在房市旁觀的潛在買家來説是個好消息。</p>
<p>抵押貸款利率降至三年來的最低水平，為許多感到沮喪的購房者提供了機會窗口。</p>
<p>根據房貸巨頭房地美（Freddie Mac）的一份每週報告，截至 1 月 15 日，30 年期固定抵押貸款利率下降了 10 個基點，平均為 6.06%。</p>
<p>這與一年前的利率相比發生了重大變化。去年一月，30 年期利率平均為 7.04%。</p>
<p>目前 30 年期利率已降至自 2022 年 9 月以來的最低水平。</p>
<p>抵押貸款利率的近期下降部分是由於唐納德·特朗普總統宣佈他指示 “代表” 購買 2000 億美元的抵押貸款支持證券。</p>
<p>高抵押貸款利率和創紀錄的房價一直是買家的障礙，導致 2025 年首次購房者的中位年齡創下 40 歲的歷史新高，國家房地產經紀人協會表示。</p>
<p>利率的下降刺激了購房和再融資活動。那些一直在房市旁觀的人紛紛入場，或是鎖定更好的購房利率，或是以更低的利率再融資現有的高利率貸款。</p>
<p>房地產市場又出現了一個顯著變化：抵押貸款利率超過 6% 的房主比例現在已超過抵押貸款利率低於 3% 的房主比例。這表明所謂的鎖定效應正在減弱。</p>
<p>閲讀更多：房主和購房者爭相鎖定下降的抵押貸款利率</p>
<p>房地美首席經濟學家 Sam Khater 在一份聲明中表示：“顯然，住房活動正在改善，並準備迎接一個強勁的春季銷售季。”</p>
<p>One Real Mortgage 的首席執行官 Samir Dedhia 在一份聲明中表示：“經過一段時間的可負擔性挑戰，這次利率的下降幫助重新點燃了市場的動力，併為更強勁的春季市場奠定了基礎。”</p>
<p>他補充道：“由於利率比去年此時低近一個百分點，且房價增長趨於穩定，許多人看到鎖定價值的機會。”</p>
<p>相關：你需要賺多少錢才能負擔得起 40 萬美元的房子</p>
<p>-Aarthi Swaminathan</p>
<p>此內容由 MarketWatch 創作，MarketWatch 由道瓊斯公司運營。MarketWatch 與道瓊斯新聞通訊和《華爾街日報》獨立出版。</p>
<p>（完）道瓊斯新聞通訊</p>
<p>01-15-26 1248ET</p>

AOMR

房地美

<p>抵押貸款利率已降至三年來的最低水平，截至 1 月 15 日，30 年期固定利率抵押貸款的平均利率為 6.06%，較一年前的 7.04% 下降。這一下降促使了購房和再融資活動的增加，因為買家利用較低的利率。鎖定效應的緩解顯而易見，現在有更多房主的抵押貸款利率超過 6%。專家預測，隨着可負擔性改善和房價增長穩定，春季銷售季節將更加強勁</p>

<p>By Aarthi Swaminathan</p>
<div class="lb-trans"><p>作者：Aarthi Swaminathan</p>
</div><p>It's a major shift from where rates were a year ago: Last January, the 30-year rate averaged 7.04%</p>
<div class="lb-trans"><p>這與一年前的利率相比發生了重大變化：去年一月，30 年期利率平均為 7.04%。</p>
</div><p>Mortgage rates are at a three-year low - welcome news for aspiring buyers who've been on the sidelines of the housing market.</p>
<div class="lb-trans"><p>抵押貸款利率降至三年來的最低水平——這對一直在房市旁觀的潛在買家來説是個好消息。</p>
</div><p>Mortgage rates fell to the lowest level in over three years, offering a window of opportunity for many frustrated home buyers.</p>
<div class="lb-trans"><p>抵押貸款利率降至三年來的最低水平，為許多感到沮喪的購房者提供了機會窗口。</p>
</div><p>The 30-year fixed-rate mortgage fell 10 basis points and averaged 6.06% as of Jan. 15, according to housing-finance giant Freddie Mac's (FMCC) weekly report.</p>
<div class="lb-trans"><p>根據房貸巨頭房地美（Freddie Mac）的一份每週報告，截至 1 月 15 日，30 年期固定抵押貸款利率下降了 10 個基點，平均為 6.06%。</p>
</div><p>That's a major shift from where rates were a year ago. Last January, the 30-year rate averaged 7.04%.</p>
<div class="lb-trans"><p>這與一年前的利率相比發生了重大變化。去年一月，30 年期利率平均為 7.04%。</p>
</div><p>The average 30-year rate is now at the lowest level since September 2022.</p>
<div class="lb-trans"><p>目前 30 年期利率已降至自 2022 年 9 月以來的最低水平。</p>
</div><p>Recent drops in mortgage rates have been prompted in part by President Donald Trump's announcement that he was directing &#34;representatives&#34; to purchase $200 billion in mortgage-backed securities.</p>
<div class="lb-trans"><p>抵押貸款利率的近期下降部分是由於唐納德·特朗普總統宣佈他指示 “代表” 購買 2000 億美元的抵押貸款支持證券。</p>
</div><p>High mortgage rates and record-high home prices have been obstacles for buyers, pushing the median age of a first-time home buyer to a record high of 40 in 2025, according to the National Association of Realtors.</p>
<div class="lb-trans"><p>高抵押貸款利率和創紀錄的房價一直是買家的障礙，導致 2025 年首次購房者的中位年齡創下 40 歲的歷史新高，國家房地產經紀人協會表示。</p>
</div><p>The drop in rates sparked a boost in home-buying and refinance activity. People who have been on the sidelines of the housing market jumped in to either lock in a better rate to buy a house, or to refinance an existing loan with a much higher rate.</p>
<div class="lb-trans"><p>利率的下降刺激了購房和再融資活動。那些一直在房市旁觀的人紛紛入場，或是鎖定更好的購房利率，或是以更低的利率再融資現有的高利率貸款。</p>
</div><p>There's been another notable shift in real estate: The share of homeowners with a mortgage rate over 6% has now surpassed the share of homeowners with a sub-3% rate. That suggests that the so-called lock-in effect is easing.</p>
<div class="lb-trans"><p>房地產市場又出現了一個顯著變化：抵押貸款利率超過 6% 的房主比例現在已超過抵押貸款利率低於 3% 的房主比例。這表明所謂的鎖定效應正在減弱。</p>
</div><p>Read more: Homeowners and home buyers race to lock in falling mortgage rates</p>
<div class="lb-trans"><p>閲讀更多：房主和購房者爭相鎖定下降的抵押貸款利率</p>
</div><p>&#34;It's clear that housing activity is improving and poised for a solid spring sales season,&#34; Freddie Mac's chief economist, Sam Khater, said in a statement.</p>
<div class="lb-trans"><p>房地美首席經濟學家 Sam Khater 在一份聲明中表示：“顯然，住房活動正在改善，並準備迎接一個強勁的春季銷售季。”</p>
</div><p>&#34;After a long stretch of affordability challenges, this dip in rates has helped reignite momentum and positioned the market for a stronger spring,&#34; Samir Dedhia, CEO of One Real Mortgage, said in a statement.</p>
<div class="lb-trans"><p>One Real Mortgage 的首席執行官 Samir Dedhia 在一份聲明中表示：“經過一段時間的可負擔性挑戰，這次利率的下降幫助重新點燃了市場的動力，併為更強勁的春季市場奠定了基礎。”</p>
</div><p>&#34;With rates nearly a full point lower than this time last year, and home price growth stabilizing, many are seeing a window to lock in value,&#34; he added.</p>
<div class="lb-trans"><p>他補充道：“由於利率比去年此時低近一個百分點，且房價增長趨於穩定，許多人看到鎖定價值的機會。”</p>
</div><p>Related: Here's how much money you need to make to afford a $400,000 home</p>
<div class="lb-trans"><p>相關：你需要賺多少錢才能負擔得起 40 萬美元的房子</p>
</div><p>-Aarthi Swaminathan</p>
<div class="lb-trans"><p>-Aarthi Swaminathan</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 創作，MarketWatch 由道瓊斯公司運營。MarketWatch 與道瓊斯新聞通訊和《華爾街日報》獨立出版。</p>
</div><p>(END) Dow Jones Newswires</p>
<div class="lb-trans"><p>（完）道瓊斯新聞通訊</p>
</div><p>01-15-26 1248ET</p>
<div class="lb-trans"><p>01-15-26 1248ET</p>
</div>

抵押貸款利率降至三年多來的最低水平，購房活動有所回升