<div id="readability-page-1">Rates climb again: Average 30-year fixed mortgage rates are around 6.5%, up from recent lows, as inflation and geopolitical tensions push borrowing costs higher. 5% seen as unlikely: Experts say rates near 5% would require major shifts in oil prices, inflation, and economic growth, making such a drop improbable soon. Buyers weigh timing: With forecasts uncertain, some homebuyers are locking in rates now, accepting they can refinance later if conditions improve.</div>

<p>平均 30 年期固定抵押貸款利率已上升至約 6.5%，受到通貨膨脹和地緣政治緊張局勢的影響。專家認為，除非油價、通貨膨脹和經濟增長髮生重大變化，否則降至 5% 的可能性不大。鑑於預測不確定，一些購房者選擇鎖定當前利率，計劃在條件改善時再進行再融資</p>

專家認為，由於全球壓力，5% 的抵押貸款利率仍然遙不可及