美国房贷利率升破7% 创两年多来新高

格隆汇
Sep 23
美国抵押贷款利率升至两年多来的最高水平,进一步给本已因高房价和销售疲软而承压的房地产市场带来压力。根据抵押贷款银行家协会(MBA)周三发布的数据,在截至9月18日的一周内,30年期固定利率抵押贷款的合约利率上升了15个基点,达到7.12%。这是自2024年5月以来的最高水平。不过,5年期浮动利率抵押贷款利率下降了13个基点,至6.1%。自2月份以来,利率一直呈上升趋势;当时伊朗冲突爆发,推高了能源价格并重新引发了对通胀的担忧。为了遏制价格压力,美联储上周进行了自2023年以来的首次基准利率上调。随着借贷成本攀升,申请住房贷款的美国人减少了。衡量贷款申请情况的MBA购房指数下跌0.8%,降至四周低点。该协会的再融资指数下跌2.6%,降至2025年2月以来的最低水平。利率突破7%大关可能会进一步抑制需求。

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