房地美周报：30年期房贷利率均值升至7.28%，为2023年11月以来最高
弗吉尼亚州麦克莱恩10月1日——据房地美（Freddie Mac）10月1日发布的初级抵押贷款市场调查（PMMS），截至10月1日当周，全美30年期固定利率房贷平均利率升至7.28%，高于前一周的7.03%，而去年同期为6.34%；15年期固定利率平均为6.60%，前一周为6.42%，去年同期为5.55%。单周涨幅为近年来少见。
房地美首席经济学家萨姆·哈特（Sam Khater）在发布稿中表示，在当前利率走势下，房市继续受到相对有利的经济条件支撑。该调查口径为 conventional（常规）、conforming（合规额度内）、全额摊还的购房贷款，样本借款人首付20%、信用优秀，因此实际借款人拿到的报价会因信用分、首付比例与点数费用而不同。
据Realtor.com后续汇总，抵押贷款银行家协会（MBA）口径的30年期合规贷款平均合同利率同期已达更高水平；10年期美债收益率受油价与通胀担忧推动跳升至高位，是本轮房贷利率上行的主要推手。利率站上7%后，再融资需求明显降温，购房者观望情绪加重。
信息来源：房地美PMMS周报（10月1日，经GlobeNewswire发布）；Realtor.com对MBA数据的汇总。
图片来源：An American suburb — futureatlas.com / CC BY 2.0 (via Openverse)
Freddie Mac: 30-Year Mortgage Rate Averages 7.28%, Highest Since November 2023
MCLEAN, Va., Oct. 1 — The 30-year fixed-rate mortgage averaged 7.28% as of Oct. 1, according to Freddie Mac's Primary Mortgage Market Survey released Oct. 1, up from 7.03% the previous week and 6.34% a year ago. The 15-year fixed-rate mortgage averaged 6.60%, up from 6.42% last week and 5.55% a year ago. The one-week jump was among the largest in recent years.
'With mortgage rates on their current trajectory, the housing market continues to be supported by favorable economic conditions,' said Sam Khater, Freddie Mac's chief economist. The survey covers conventional, conforming, fully amortizing home purchase loans for borrowers who put 20% down and have excellent credit, so individual quotes vary with credit score, down payment and points.
Realtor.com's subsequent summary noted that the Mortgage Bankers Association's average contract rate on 30-year conforming loans ran higher in its own survey, and that the 10-year Treasury yield had jumped amid rising oil prices and inflation fears — the proximate driver of the mortgage move. With rates back above 7%, refinance demand cooled noticeably and buyer hesitation deepened.
Source: Freddie Mac PMMS release, Oct. 1, via GlobeNewswire; Realtor.com summary of MBA data.
Photo: An American suburb — futureatlas.com / CC BY 2.0 (via Openverse)
图片来源：An American suburb — futureatlas.com / CC BY 2.0 (via Openverse)
