<p>儘管 抵押貸款利率 攀升至五週來的最高點，但被擱置的購房者突然迴歸市場，給像 <strong>D.R. Horton Inc.</strong> (NYSE: DHI) 和 <strong>Lennar Corp.</strong> (NYSE: LEN) 等主要房屋建築商帶來了豐厚的意外轉機。</p>
<h2><strong>買家接受 ‘新常態’</strong></h2>
<p>根據最新的 Freddie Mac 主要抵押貸款市場調查，30 年期固定利率抵押貸款的平均利率目前為 6.37%，高於上週的 6.30%。雖然抵押貸款銀行家協會（MBA）報告週三短暫飆升至 6.46%，但總體數據揭示了一個買家終於厭倦等待的市場。</p>
<p>購房抵押貸款申請 在過去一週內躍升了 4%，目前同比增長 7%。</p>
<p>行業領導者觀察到消費者心理的明顯轉變。MBA 經濟學家 <strong>Joel Kan</strong> 告訴 CNBC，潛在購房者 “對當前經濟和抵押貸款利率的不確定性置之不理”，重新回到市場。</p>
<p>全國房地產經紀人協會首席經濟學家 <strong>Lawrence Yun</strong> 確認了這一轉變，指出代理商報告稱 “在過去幾周內買家需求激增”。</p>
<p><strong>另請閲讀：</strong>
<strong>抵押貸款利率上升至 6.30%，但買家需求依然強勁，Freddie Mac 表示</strong></p>
<h2><strong>新建房屋吸引需求</strong></h2>
<p>這種重新燃起的買家熱情正直接與嚴重受限的 現有房屋供應 相碰撞。被鎖定在歷史低利率中的房主們壓根不願意出售並承擔新的 6.37% 抵押貸款。</p>
<p>由於現有庫存基本被凍結，買家正在轉向 新建房屋。Freddie Mac 正式證實了這一轉變，指出 “買家條件略有改善，新房銷售有所提升”，並且 “市場上有更多庫存” 進入。</p>
<p>這種動態為像 D.R. Horton 和 Lennar 這樣的建築商提供了巨大的順風，幫助他們填補現有房主留下的供應空缺。</p>
<h2><strong>翻新激增，再融資下滑</strong></h2>
<p>利率鎖定效應也在根本上改變消費者支出。普遍存在的留住和翻新心態正在推動家居改善零售商如 <strong>Home Depot Inc.</strong> (NYSE: HD) 和 <strong>Lowe’s Companies Inc.</strong> (NYSE: LOW) 的增長，因為被困的房主選擇投資於翻新而不是搬遷。</p>
<p>相反，停滯不前的 現有房屋市場 繼續打擊再融資領域，申請量再下降 1%。</p>
<p>儘管購房申請的突然激增為發放貸款者提供了急需的生機，但抵押貸款服務商仍然高度依賴管理其現有的低利率貸款組合，以應對當前週期。</p>
<blockquote>
<p>上升的利率正在影響今年春季銷售季節的房屋銷售活動。現有房屋銷售在今年前四個月增長了 2.3%（NSA），遠低於 8.6% 的平均增長。油價上漲和… pic.twitter.com/raAcOtAmql</p>
<p>— Equity Clock (@EquityClock) May 13, 2026</p>
</blockquote>
<p>以下是一些房地產和 REIT 相關 ETF 供投資者考慮。</p>
<table>
<thead>
<tr>
<th></th>
<th></th>
<th></th>
<th></th>
</tr>
</thead>
<tbody>
<tr>
<td><strong>ETF</strong></td>
<td><strong>年初至今表現</strong></td>
<td><strong>6 個月表現</strong></td>
<td><strong>一年表現</strong></td>
</tr>
<tr>
<td>SPDR S&amp;P Homebuilders ETF (NYSE: XHB)</td>
<td>-3.87%</td>
<td>-4.94%</td>
<td>-2.20%</td>
</tr>
<tr>
<td>Vanguard Real Estate Index Fund ETF (NYSE: VNQ)</td>
<td>7.48%</td>
<td>5.94%</td>
<td>8.40%</td>
</tr>
<tr>
<td>Schwab US REIT ETF (NYSE: SCHH)</td>
<td>12.11%</td>
<td>10.79%</td>
<td>11.58%</td>
</tr>
<tr>
<td>Real Estate Select Sector SPDR Fund (NYSE: XLRE)</td>
<td>8.57%</td>
<td>6.86%</td>
<td>7.59%</td>
</tr>
<tr>
<td>iShares US Real Estate ETF (NYSE: IYR)</td>
<td>7.71%</td>
<td>6.45%</td>
<td>9.10%</td>
</tr>
<tr>
<td>iShares Core US REIT ETF (NYSE: USRT)</td>
<td>12.94%</td>
<td>11.14%</td>
<td>14.74%</td>
</tr>
<tr>
<td>DFA Dimensional Global Real Estate ETF (NYSE: DFGR)</td>
<td>8.89%</td>
<td>6.83%</td>
<td>9.73%</td>
</tr>
<tr>
<td>SPDR Dow Jones REIT ETF (NYSE: RWR)</td>
<td>11.30%</td>
<td>10.15%</td>
<td>13.88%</td>
</tr>
</tbody>
</table>
<p><strong>另請閲讀：</strong>
<strong>抵押貸款利率再次下降——房地產 ETF 準備反彈嗎？</strong></p>
<p>**<em>免責聲明</em>：<em>本內容部分由 AI 工具生成，並由 Benzinga 編輯審核和發佈。</em></p>
<p><em>圖片來源：Shutterstock</em></p>

家得寶

勞氏

萊納房產-A

霍頓房屋

萊納房產-B

美國房產主題 ETF - SPDR

美國房產建築 - PowerShares

住房建設 3 倍做多 ETF - Direxion

美國房產建設 ETF - iShares

<p>抵押貸款利率已達到五週來的最高點 6.37%，但購房者仍然重返市場，推動了像 D.R. Horton 和 Lennar 這樣的主要建築商。上週購房抵押貸款申請增加了 4%，這表明消費者情緒發生了變化。由於現有房屋庫存低，買家開始轉向新建房屋。這一趨勢也使家居改善零售商如家得寶和勞氏受益，因為房主選擇投資於裝修而不是搬家。儘管利率上升，對新房的需求仍在增加，為建築商創造了機會，並影響了整體房地產市場的動態</p>

<p>Despite mortgage rates climbing to five-week highs, sidelined homebuyers are returning to the market in a sudden surge, creating a lucrative plot twist for major homebuilders like <strong>D.R. Horton Inc.</strong> (NYSE: DHI) and <strong>Lennar Corp.</strong> (NYSE: LEN).</p>
<div class="lb-trans"><p>儘管 抵押貸款利率 攀升至五週來的最高點，但被擱置的購房者突然迴歸市場，給像 <strong>D.R. Horton Inc.</strong> (NYSE: DHI) 和 <strong>Lennar Corp.</strong> (NYSE: LEN) 等主要房屋建築商帶來了豐厚的意外轉機。</p>
</div><h2><strong>Buyers Accept The ‘New Normal’</strong></h2>
<div class="lb-trans"><h2><strong>買家接受 ‘新常態’</strong></h2>
</div><p>The 30-year fixed-rate mortgage currently averages 6.37%, according to the latest Freddie Mac Primary Mortgage Market Survey, up from 6.30% last week. While the Mortgage Bankers Association (MBA), as reported a brief Wednesday spike to 6.46%, the overarching data reveal a market where buyers are finally tired of waiting.</p>
<div class="lb-trans"><p>根據最新的 Freddie Mac 主要抵押貸款市場調查，30 年期固定利率抵押貸款的平均利率目前為 6.37%，高於上週的 6.30%。雖然抵押貸款銀行家協會（MBA）報告週三短暫飆升至 6.46%，但總體數據揭示了一個買家終於厭倦等待的市場。</p>
</div><p>Purchase mortgage applications jumped 4% over the past week and are currently tracking 7% higher year-over-year.</p>
<div class="lb-trans"><p>購房抵押貸款申請 在過去一週內躍升了 4%，目前同比增長 7%。</p>
</div><p>Industry leaders are observing a clear shift in consumer psychology. Potential homebuyers “shrugged off” the current economic and mortgage rate uncertainties and returned to the market, <strong>Joel Kan</strong>, an MBA economist, told CNBC.</p>
<div class="lb-trans"><p>行業領導者觀察到消費者心理的明顯轉變。MBA 經濟學家 <strong>Joel Kan</strong> 告訴 CNBC，潛在購房者 “對當前經濟和抵押貸款利率的不確定性置之不理”，重新回到市場。</p>
</div><p>National Association of Realtors chief economist <strong>Lawrence Yun</strong> confirmed the turning tide, noting agents are reporting a “surge in buyer demand in just the last few weeks.”</p>
<div class="lb-trans"><p>全國房地產經紀人協會首席經濟學家 <strong>Lawrence Yun</strong> 確認了這一轉變，指出代理商報告稱 “在過去幾周內買家需求激增”。</p>
</div><p><strong>Read Also:</strong>
<strong>Mortgage Rates Tick Up To 6.30% But Buyer Demand Is Robust, Freddie Mac Says</strong></p>
<div class="lb-trans"><p><strong>另請閲讀：</strong>
<strong>抵押貸款利率上升至 6.30%，但買家需求依然強勁，Freddie Mac 表示</strong></p>
</div><h2><strong>New Construction Captures Demand</strong></h2>
<div class="lb-trans"><h2><strong>新建房屋吸引需求</strong></h2>
</div><p>This renewed buyer enthusiasm is colliding directly with a severely constrained supply of existing homes. Homeowners locked into historically low interest rates are overwhelmingly refusing to sell and take on a new 6.37% mortgage.</p>
<div class="lb-trans"><p>這種重新燃起的買家熱情正直接與嚴重受限的 現有房屋供應 相碰撞。被鎖定在歷史低利率中的房主們壓根不願意出售並承擔新的 6.37% 抵押貸款。</p>
</div><p>With existing inventory essentially frozen, buyers are pivoting to new construction. Freddie Mac officially corroborated this shift, noting “slightly better conditions for buyers with a boost in new-home sales” and “higher inventory” entering the market.</p>
<div class="lb-trans"><p>由於現有庫存基本被凍結，買家正在轉向 新建房屋。Freddie Mac 正式證實了這一轉變，指出 “買家條件略有改善，新房銷售有所提升”，並且 “市場上有更多庫存” 進入。</p>
</div><p>This dynamic serves as a massive tailwind for builders like D.R. Horton and Lennar, who are actively filling the supply vacuum left by existing homeowners.</p>
<div class="lb-trans"><p>這種動態為像 D.R. Horton 和 Lennar 這樣的建築商提供了巨大的順風，幫助他們填補現有房主留下的供應空缺。</p>
</div><h2><strong>Remodeling Surges As Refinances Sink</strong></h2>
<div class="lb-trans"><h2><strong>翻新激增，再融資下滑</strong></h2>
</div><p>The rate lock-in effect is also radically redirecting consumer spending. A pervasive stay and rehab mentality is boosting home improvement retailers like <strong>Home Depot Inc.</strong> (NYSE: HD) and <strong>Lowe’s Companies Inc.</strong> (NYSE: LOW), as trapped homeowners invest in renovations instead of relocating.</p>
<div class="lb-trans"><p>利率鎖定效應也在根本上改變消費者支出。普遍存在的留住和翻新心態正在推動家居改善零售商如 <strong>Home Depot Inc.</strong> (NYSE: HD) 和 <strong>Lowe’s Companies Inc.</strong> (NYSE: LOW) 的增長，因為被困的房主選擇投資於翻新而不是搬遷。</p>
</div><p>Conversely, the stagnant existing-home market continues to punish the refinance sector, with applications dropping another 1%.</p>
<div class="lb-trans"><p>相反，停滯不前的 現有房屋市場 繼續打擊再融資領域，申請量再下降 1%。</p>
</div><p>While the sudden jump in purchase applications offers originators a much-needed lifeline, mortgage servicers remain highly reliant on managing their existing, low-rate loan portfolios to weather the current cycle.</p>
<div class="lb-trans"><p>儘管購房申請的突然激增為發放貸款者提供了急需的生機，但抵押貸款服務商仍然高度依賴管理其現有的低利率貸款組合，以應對當前週期。</p>
</div><blockquote>
<p>Rising interest rates are weighing on the trajectory of home sales activity through this spring selling season. Existing home sales have expanded by 2.3% (NSA) through the first four months of this year, a fraction of the 8.6% rise that is average. Rising price of oil and rising… pic.twitter.com/raAcOtAmql</p>
<p>— Equity Clock (@EquityClock) May 13, 2026</p>
</blockquote>
<div class="lb-trans"><blockquote>
<p>上升的利率正在影響今年春季銷售季節的房屋銷售活動。現有房屋銷售在今年前四個月增長了 2.3%（NSA），遠低於 8.6% 的平均增長。油價上漲和… pic.twitter.com/raAcOtAmql</p>
<p>— Equity Clock (@EquityClock) May 13, 2026</p>
</blockquote>
</div><p>Here’s a list of some real estate and REIT-linked ETFs for investors to consider.</p>
<div class="lb-trans"><p>以下是一些房地產和 REIT 相關 ETF 供投資者考慮。</p>
</div><table>
<thead>
<tr>
<th></th>
<th></th>
<th></th>
<th></th>
</tr>
</thead>
<tbody>
<tr>
<td><strong>ETFs</strong></td>
<td><strong>YTD Performance</strong></td>
<td><strong>6-Month Performance</strong></td>
<td><strong>One Year Performance</strong></td>
</tr>
<tr>
<td>SPDR S&amp;P Homebuilders ETF (NYSE: XHB)</td>
<td>-3.87%</td>
<td>-4.94%</td>
<td>-2.20%</td>
</tr>
<tr>
<td>Vanguard Real Estate Index Fund ETF (NYSE: VNQ)</td>
<td>7.48%</td>
<td>5.94%</td>
<td>8.40%</td>
</tr>
<tr>
<td>Schwab US REIT ETF (NYSE: SCHH)</td>
<td>12.11%</td>
<td>10.79%</td>
<td>11.58%</td>
</tr>
<tr>
<td>Real Estate Select Sector SPDR Fund (NYSE: XLRE)</td>
<td>8.57%</td>
<td>6.86%</td>
<td>7.59%</td>
</tr>
<tr>
<td>iShares US Real Estate ETF (NYSE: IYR)</td>
<td>7.71%</td>
<td>6.45%</td>
<td>9.10%</td>
</tr>
<tr>
<td>iShares Core US REIT ETF (NYSE: USRT)</td>
<td>12.94%</td>
<td>11.14%</td>
<td>14.74%</td>
</tr>
<tr>
<td>DFA Dimensional Global Real Estate ETF (NYSE: DFGR)</td>
<td>8.89%</td>
<td>6.83%</td>
<td>9.73%</td>
</tr>
<tr>
<td>SPDR Dow Jones REIT ETF (NYSE: RWR)</td>
<td>11.30%</td>
<td>10.15%</td>
<td>13.88%</td>
</tr>
</tbody>
</table>
<div class="lb-trans"><table>
<thead>
<tr>
<th></th>
<th></th>
<th></th>
<th></th>
</tr>
</thead>
<tbody>
<tr>
<td><strong>ETF</strong></td>
<td><strong>年初至今表現</strong></td>
<td><strong>6 個月表現</strong></td>
<td><strong>一年表現</strong></td>
</tr>
<tr>
<td>SPDR S&amp;P Homebuilders ETF (NYSE: XHB)</td>
<td>-3.87%</td>
<td>-4.94%</td>
<td>-2.20%</td>
</tr>
<tr>
<td>Vanguard Real Estate Index Fund ETF (NYSE: VNQ)</td>
<td>7.48%</td>
<td>5.94%</td>
<td>8.40%</td>
</tr>
<tr>
<td>Schwab US REIT ETF (NYSE: SCHH)</td>
<td>12.11%</td>
<td>10.79%</td>
<td>11.58%</td>
</tr>
<tr>
<td>Real Estate Select Sector SPDR Fund (NYSE: XLRE)</td>
<td>8.57%</td>
<td>6.86%</td>
<td>7.59%</td>
</tr>
<tr>
<td>iShares US Real Estate ETF (NYSE: IYR)</td>
<td>7.71%</td>
<td>6.45%</td>
<td>9.10%</td>
</tr>
<tr>
<td>iShares Core US REIT ETF (NYSE: USRT)</td>
<td>12.94%</td>
<td>11.14%</td>
<td>14.74%</td>
</tr>
<tr>
<td>DFA Dimensional Global Real Estate ETF (NYSE: DFGR)</td>
<td>8.89%</td>
<td>6.83%</td>
<td>9.73%</td>
</tr>
<tr>
<td>SPDR Dow Jones REIT ETF (NYSE: RWR)</td>
<td>11.30%</td>
<td>10.15%</td>
<td>13.88%</td>
</tr>
</tbody>
</table>
</div><p><strong>Read Also:</strong>
<strong>Mortgage Rates Are Falling Again — Are Housing ETFs Ready To Rebound?</strong></p>
<div class="lb-trans"><p><strong>另請閲讀：</strong>
<strong>抵押貸款利率再次下降——房地產 ETF 準備反彈嗎？</strong></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 Benzinga editors.</em></p>
<div class="lb-trans"><p>**<em>免責聲明</em>：<em>本內容部分由 AI 工具生成，並由 Benzinga 編輯審核和發佈。</em></p>
</div><p><em>Photo courtesy: Shutterstock</em></p>
<div class="lb-trans"><p><em>圖片來源：Shutterstock</em></p>
</div>

Mortgage Rates Hit Five-Week Highs—But Homebuyers Are Returning, Boosting Home Depot, Lowe's And Other Builders

benzinga_article

房地美

美國房地產 ETF - Vanguard

美國房地產投資信託 ETF - Charles Schwab

美國房地產 ETF - SPDR

房地產指數 ETF - iShares 道瓊斯

核心美國房地產信託 ETF - iShares

Dimensional Global Real Estate ETF

道瓊斯房地產投資信託 ETF - SPDR

抵押貸款利率達到五週來的高點——然而購房者正在迴歸，這推動了家得寶、勞氏以及其他建築商的增長