---
title: "專家認為，由於全球壓力，5% 的抵押貸款利率仍然遙不可及"
type: "News"
locale: "zh-HK"
url: "https://longbridge.com/zh-HK/news/286969182.md"
description: "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"
datetime: "2026-05-19T21:25:18.000Z"
locales:
  - [zh-CN](https://longbridge.com/zh-CN/news/286969182.md)
  - [en](https://longbridge.com/en/news/286969182.md)
  - [zh-HK](https://longbridge.com/zh-HK/news/286969182.md)
---

# 專家認為，由於全球壓力，5% 的抵押貸款利率仍然遙不可及

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.

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