BlockBeats 消息，12 月 11 日，近期抵押贷款利率有所回落，但走势并不平稳。美联储并不直接通过联邦基金利率控制抵押贷款利率，主流的 30 年期抵押贷款利率通常跟随 10 年期美债收益率变动，而后者受市场对未来经济走势及货币政策预期的影响。
这意味着，抵押贷款利率有时会与美联储降息或维持短期利率不变的决策不同步。例如，9 月美联储降息时，市场对后续是否继续降息存在不确定性，反而推高了抵押贷款利率。此次会议未必会重演类似情形，但其结果仍可能对 10 年期国债收益率造成扰动，并间接传导至抵押贷款利率。
无论是投资者、潜在购房者还是房主，都高度关注抵押贷款利率。但当前抵押贷款利率的变动对整体住房市场走向的影响，可能不如未来几个月那般关键。部分原因在于，眼下正值年底假期，购房者通常更关注采购礼物而非购置房产。住房市场季节性淡季通常贯穿整个假日季，直至新年伊始才逐步回暖。(金十)
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