<p>根據 <strong>Mortgage News Daily</strong> 的數據，美國 30 年期固定抵押貸款利率在週二攀升至 6.75%，為 2025 年 7 月以來的最高水平，這引發了分析師的警告。</p>
<p>市場評論員 <strong>The Kobeissi Letter</strong> 警告稱，此次變動可能標誌着借貸成本再次上升的開始。</p>
<p>&#34;我們相信這些抵押貸款的平均利率很快將超過 7.00%，&#34; The Kobeissi Letter 在 X 平台的帖子中表示，並補充道&#34;通貨膨脹實在是太高了。&#34;</p>
<blockquote>
<p>抵押貸款因此變得更加昂貴。</p>
<p>美國 30 年期固定抵押貸款的平均利率現在已升至 6.68%。在伊朗戰爭之前，該利率曾低於 6%。</p>
<p>我們相信這些抵押貸款的平均利率很快將超過 7.00%。</p>
<p>通貨膨脹實在是太高了。 pic.twitter.com/Byde6rSDn7</p>
<p>— The Kobeissi Letter (@KobeissiLetter) 2026 年 5 月 19 日</p>
</blockquote>
<p>該賬户還提到了 Mortgage News Daily 的每日利率調查，並強調平均抵押貸款利率已從伊朗戰爭前的 6% 以下飆升至本週接近 6.75%。</p>
<p>利率在短短 10 天內跳升了 33 個基點。這一增長已經開始影響可負擔性。與早期利率水平相比，42 萬美元中位數房屋的月供大約增加了 167 美元。</p>
<p>主要房屋建築商的股票在週二也出現下跌，<strong>D.R. Horton, Inc.</strong> (NYSE: DHI) 下跌 2.01%，<strong>Lennar Corporation</strong> (NYSE: LEN) 下滑 0.98%，<strong>PulteGroup, Inc.</strong> (NYSE: PHM) 下跌 0.65%，因抵押貸款利率上升重新引發了住房市場的可負擔性擔憂。</p>
<h2>債券市場壓力加大</h2>
<p>The Kobeissi Letter 廣泛將抵押貸款的激增與國債和債券市場的壓力加大聯繫在一起。</p>
<p>評論指出，美國預算赤字在 2026 財年的前六個月達到了 1.2 萬億美元，而美國的總債務攀升至創紀錄的 39 萬億美元。根據該帖子，鉅額的國債發行正在淹沒債券市場並推高收益率。</p>
<p>該賬户還指出，市場在進入 2026 年時預計將有多達四次美聯儲降息。現在，交易員們越來越多地將未來加息的可能性納入考慮。</p>
<p>The Kobeissi Letter 補充道，10 年期國債收益率現在已超過 2025 年 <strong>Donald Trump</strong> 總統早期因關税引發的市場波動時的水平。</p>
<p><strong>另請閲讀：</strong>
<strong>特朗普政府因學生貸款打擊醫療學位而被 23 個藍州起訴</strong></p>
<h2>住房可負擔性擔憂迴歸</h2>
<p>抵押貸款利率的最新跳升延續了近期在住房市場上已經形成的更廣泛趨勢。</p>
<p>早期報告強調了與高國債收益率、持續的通貨膨脹擔憂以及與中東衝突相關的地緣政治緊張局勢相關的借貸成本上升。<strong>美國的抵押貸款利率本月早些時候已超過 6%</strong>，因為貸款人對政府借貸成本上升和對更高油價可能使通貨膨脹保持高位的擔憂做出了反應。</p>
<p>住房可負擔性壓力也持續影響買家。<strong>全國房地產經紀人協會 此前下調了 2026 年房屋銷售增長預測</strong>，因為可負擔性擔憂和消費者信心減弱導致需求放緩。</p>
<p>與此同時，其他住房數據顯示，許多 <strong>買家已開始適應 “高位持續” 的</strong> 抵押貸款環境，即使再融資活動減弱，房主們也越來越不願意放棄較低的疫情期間抵押貸款利率。</p>
<p><strong><em>免責聲明：</em></strong> <em>此內容部分由 AI 工具生成，並由 Benzinga 編輯審核和發佈。</em></p>
<p><em>圖片來源於 Shutterstock</em></p>
<p><strong>另請閲讀：</strong>
<strong>Elissa Slotkin 表示，參議院預測市場禁令應擴展至行政部門，因伊朗、委內瑞拉的可疑投注</strong></p>

<p>美國的抵押貸款利率已達到 6.75%，是自 2025 年 7 月以來的最高水平，分析師警告稱，由於通貨膨脹和國債收益率上升，利率可能很快超過 7%。這一增長導致房屋的月供增加，影響了購房能力，並導致主要房屋建築商股票下跌。利率的飆升與國債市場的壓力以及不斷增長的美國預算赤字有關，市場預期也從可能的美聯儲降息轉向可能的加息</p>

<p>The average U.S. 30-year fixed mortgage rate climbed to 6.75% on Tuesday, the highest level since July 2025, according to data from <strong>Mortgage News Daily</strong>, prompting warnings from analysts.</p>
<div class="lb-trans"><p>根據 <strong>Mortgage News Daily</strong> 的數據，美國 30 年期固定抵押貸款利率在週二攀升至 6.75%，為 2025 年 7 月以來的最高水平，這引發了分析師的警告。</p>
</div><p>Market commentator <strong>The Kobeissi Letter</strong> warned the move could mark the beginning of another leg higher for borrowing costs.</p>
<div class="lb-trans"><p>市場評論員 <strong>The Kobeissi Letter</strong> 警告稱，此次變動可能標誌着借貸成本再次上升的開始。</p>
</div><p>&#34;We believe the average rate on these mortgages will cross above 7.00% soon,&#34; The Kobeissi Letter said in a thread on X, adding that &#34;inflation is simply too hot.&#34;</p>
<div class="lb-trans"><p>&#34;我們相信這些抵押貸款的平均利率很快將超過 7.00%，&#34; The Kobeissi Letter 在 X 平台的帖子中表示，並補充道&#34;通貨膨脹實在是太高了。&#34;</p>
</div><blockquote>
<p>Mortgages are becoming even more expensive as a result.</p>
<p>The average rate on a 30Y fixed mortgage in the US is now up to 6.68%. It was below 6% before the Iran War.</p>
<p>We believe the average rate on these mortgages will cross above 7.00% soon.</p>
<p>Inflation is simply too hot. pic.twitter.com/Byde6rSDn7</p>
<p>— The Kobeissi Letter (@KobeissiLetter) May 19, 2026</p>
</blockquote>
<div class="lb-trans"><blockquote>
<p>抵押貸款因此變得更加昂貴。</p>
<p>美國 30 年期固定抵押貸款的平均利率現在已升至 6.68%。在伊朗戰爭之前，該利率曾低於 6%。</p>
<p>我們相信這些抵押貸款的平均利率很快將超過 7.00%。</p>
<p>通貨膨脹實在是太高了。 pic.twitter.com/Byde6rSDn7</p>
<p>— The Kobeissi Letter (@KobeissiLetter) 2026 年 5 月 19 日</p>
</blockquote>
</div><p>The account also referenced Mortgage News Daily's daily rate survey while highlighting that average mortgage rates had surged from below 6% before the Iran war to nearly 6.75% this week.</p>
<div class="lb-trans"><p>該賬户還提到了 Mortgage News Daily 的每日利率調查，並強調平均抵押貸款利率已從伊朗戰爭前的 6% 以下飆升至本週接近 6.75%。</p>
</div><p>Rates have jumped 33 basis points in just 10 days. The increase has already started affecting affordability. Monthly payments on a median-priced $420,000 home have risen by roughly $167 compared with earlier rate levels.</p>
<div class="lb-trans"><p>利率在短短 10 天內跳升了 33 個基點。這一增長已經開始影響可負擔性。與早期利率水平相比，42 萬美元中位數房屋的月供大約增加了 167 美元。</p>
</div><p>Shares of major homebuilders also declined on Tuesday, with <strong>D.R. Horton, Inc.</strong> (NYSE: DHI) falling 2.01%, <strong>Lennar Corporation</strong> (NYSE: LEN) slipping 0.98% and <strong>PulteGroup, Inc.</strong> (NYSE: PHM) losing 0.65% as rising mortgage rates renewed affordability concerns across the housing market.</p>
<div class="lb-trans"><p>主要房屋建築商的股票在週二也出現下跌，<strong>D.R. Horton, Inc.</strong> (NYSE: DHI) 下跌 2.01%，<strong>Lennar Corporation</strong> (NYSE: LEN) 下滑 0.98%，<strong>PulteGroup, Inc.</strong> (NYSE: PHM) 下跌 0.65%，因抵押貸款利率上升重新引發了住房市場的可負擔性擔憂。</p>
</div><h2>Bond Market Pressure Builds</h2>
<div class="lb-trans"><h2>債券市場壓力加大</h2>
</div><p>The Kobeissi Letter broadly tied the mortgage surge to mounting pressure in the Treasury and bond markets.</p>
<div class="lb-trans"><p>The Kobeissi Letter 廣泛將抵押貸款的激增與國債和債券市場的壓力加大聯繫在一起。</p>
</div><p>The commentary pointed to the U.S. budget deficit reaching $1.2 trillion during the first six months of fiscal 2026, while total U.S. debt climbed to a record $39 trillion. According to the thread, heavy Treasury issuance is flooding the bond market and pushing yields higher.</p>
<div class="lb-trans"><p>評論指出，美國預算赤字在 2026 財年的前六個月達到了 1.2 萬億美元，而美國的總債務攀升至創紀錄的 39 萬億美元。根據該帖子，鉅額的國債發行正在淹沒債券市場並推高收益率。</p>
</div><p>The account also noted markets entered 2026 expecting as many as four Federal Reserve rate cuts. Now, traders are increasingly pricing in the possibility of future rate hikes instead.</p>
<div class="lb-trans"><p>該賬户還指出，市場在進入 2026 年時預計將有多達四次美聯儲降息。現在，交易員們越來越多地將未來加息的可能性納入考慮。</p>
</div><p>The Kobeissi Letter added that the 10-year Treasury yield has now climbed above levels seen during President <strong>Donald Trump</strong>'s earlier tariff-related market volatility in 2025.</p>
<div class="lb-trans"><p>The Kobeissi Letter 補充道，10 年期國債收益率現在已超過 2025 年 <strong>Donald Trump</strong> 總統早期因關税引發的市場波動時的水平。</p>
</div><p><strong>Read Also:</strong>
<strong>Trump Administration Sued By 23 Blue States Over Student Loan Crackdown On Healthcare Degrees</strong></p>
<div class="lb-trans"><p><strong>另請閲讀：</strong>
<strong>特朗普政府因學生貸款打擊醫療學位而被 23 個藍州起訴</strong></p>
</div><h2>Housing Affordability Concerns Return</h2>
<div class="lb-trans"><h2>住房可負擔性擔憂迴歸</h2>
</div><p>The latest jump in mortgage rates extends a broader trend already building across housing markets in recent weeks.</p>
<div class="lb-trans"><p>抵押貸款利率的最新跳升延續了近期在住房市場上已經形成的更廣泛趨勢。</p>
</div><p>Earlier reports highlighted rising borrowing costs tied to elevated Treasury yields, persistent inflation concerns and geopolitical tensions linked to the Middle East conflict. Mortgage rates in the <strong>U.S. had already climbed above 6% earlier this month</strong> as lenders reacted to rising government borrowing costs and fears that higher oil prices could keep inflation elevated.</p>
<div class="lb-trans"><p>早期報告強調了與高國債收益率、持續的通貨膨脹擔憂以及與中東衝突相關的地緣政治緊張局勢相關的借貸成本上升。<strong>美國的抵押貸款利率本月早些時候已超過 6%</strong>，因為貸款人對政府借貸成本上升和對更高油價可能使通貨膨脹保持高位的擔憂做出了反應。</p>
</div><p>Housing affordability pressures have also continued weighing on buyers. The <strong>National Association of Realtors previously cut its 2026 home sales growth forecast</strong> as affordability concerns and weaker consumer confidence slowed demand.</p>
<div class="lb-trans"><p>住房可負擔性壓力也持續影響買家。<strong>全國房地產經紀人協會 此前下調了 2026 年房屋銷售增長預測</strong>，因為可負擔性擔憂和消費者信心減弱導致需求放緩。</p>
</div><p>At the same time, separate housing data showed many <strong>buyers had started adapting to a &#34;higher-for-longer&#34;</strong> mortgage environment, even as refinancing activity weakened and homeowners increasingly avoided giving up lower pandemic-era mortgage rates.</p>
<div class="lb-trans"><p>與此同時，其他住房數據顯示，許多 <strong>買家已開始適應 “高位持續” 的</strong> 抵押貸款環境，即使再融資活動減弱，房主們也越來越不願意放棄較低的疫情期間抵押貸款利率。</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 a Benzinga editor.</em></p>
<div class="lb-trans"><p><strong><em>免責聲明：</em></strong> <em>此內容部分由 AI 工具生成，並由 Benzinga 編輯審核和發佈。</em></p>
</div><p><em>Image via Shutterstock</em></p>
<div class="lb-trans"><p><em>圖片來源於 Shutterstock</em></p>
</div><p><strong>Read Also:</strong>
<strong>Elissa Slotkin Says Senate Prediction Market Ban Should Extend To Executive Branch After Suspicious Iran, Venezuela Bets</strong></p>
<div class="lb-trans"><p><strong>另請閲讀：</strong>
<strong>Elissa Slotkin 表示，參議院預測市場禁令應擴展至行政部門，因伊朗、委內瑞拉的可疑投注</strong></p>
</div>

隨着借貸成本不斷攀升，抵押貸款利率會達到 7% 嗎？