---
title: "美國抵押貸款利率跌穿 6%，逼平 2022 年以來最低位"
description: "美國 30 年期固定房貸平均利率降至 5.99%，為 2022 年以來最低水平。此降幅源於投資者轉向債券市場，導致收益率走低。影響因素包括關税不確定性、通脹放緩及經濟疲軟的 GDP 報告。"
type: "news"
locale: "zh-HK"
url: "https://longbridge.com/zh-HK/news/276634829.md"
published_at: "2026-02-23T18:57:18.000Z"
---

# 美國抵押貸款利率跌穿 6%，逼平 2022 年以來最低位

> 美國 30 年期固定房貸平均利率降至 5.99%，為 2022 年以來最低水平。此降幅源於投資者轉向債券市場，導致收益率走低。影響因素包括關税不確定性、通脹放緩及經濟疲軟的 GDP 報告。

美東時間 2 月 23 日上午，美國股市的拋售潮促使投資者奔向相對安全的債券市場，導致收益率走低，房貸利率隨之下降。根據《房貸新聞日報》（Mortgage News Daily）的數據，最受歡迎的 30 年期固定房貸平均利率週一降至 5.99%，追平 2022 年以來的最低水平。2025 年此時，該利率為 6.89%。

收益率的下降歸因於多種因素的疊加，包括對關税帶來的新不確定性、通脹放緩，以及上週五低迷的 GDP 報告所反映出的經濟疲軟。

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