房地美周报：30年期房贷利率持稳7.40% 仍处2023年11月以来高位
【麦克林讯】房地美（Freddie Mac）10月15日在弗吉尼亚州麦克林发布每周「主要抵押贷款市场调查」（PMMS）结果：截至10月15日的一周，全美30年期固定利率抵押贷款平均利率为7.40%，与前一周持平；15年期固定利率平均为6.71%，较前一周的6.73%下降0.02个百分点。一年前同期，30年期固定利率平均为6.27%，本周水平高出1.13个百分点。房地美首席经济学家萨姆·哈特（Sam Khater）在发布中表示，30年期固定利率抵押贷款平均利率本周没有变化。PMMS的统计口径为首付20%、信用优良借款人的常规合规、全额摊还购房贷款，数据序列可追溯至1971年。
据Realtor.com报道，7.40%的30年期平均利率仍是2023年11月以来的最高水平。本周三（10月14日）公布的9月消费者价格指数（CPI）同比上涨3.7%，涨幅高于前一个月的3.4%；周四上午，与房贷利率走势密切相关的10年期美国国债收益率下跌约13个基点，至5.06%。按贷款额50万美元、30年期固定利率估算，7.40%利率下每月本息约为3,462美元，一年前6.27%利率下约为3,085美元，每月相差约377美元。
据Realtor.com报道，该网站经济学家徐嘉怡（Jiayi Xu）表示，房贷利率短期内不太可能回落，通胀得到控制才会为利率下行和购房负担能力改善铺平道路。房地美总部位于弗吉尼亚州麦克林，是美国住房抵押贷款二级市场的主要机构之一，其PMMS是全美最受关注的房贷利率基准调查之一。
Freddie Mac Weekly Survey: 30-Year Mortgage Rate Holds at 7.40%, Still at Its Highest Since November 2023
McLean, Virginia — Freddie Mac on October 15 released the results of its weekly Primary Mortgage Market Survey (PMMS) from its headquarters in McLean, Virginia. For the week ending October 15, 2026, the average rate on a 30-year fixed-rate mortgage in the United States was 7.40 percent, unchanged from the previous week, while the 15-year fixed-rate mortgage averaged 6.71 percent, down 0.02 percentage points from 6.73 percent a week earlier. A year ago at this time, the 30-year fixed rate averaged 6.27 percent, 1.13 percentage points below this week's level. Sam Khater, Freddie Mac's chief economist, said the average 30-year fixed-rate mortgage remained unchanged this week. The PMMS covers conventional, conforming, fully amortizing home purchase loans for borrowers who put 20 percent down and have excellent credit, and its data series dates back to 1971.
According to Realtor.com, the 7.40 percent average remains the highest level since November 2023. The September Consumer Price Index, released on Wednesday, October 14, rose 3.7 percent from a year earlier, up from 3.4 percent the prior month, and on Thursday morning the yield on the 10-year U.S. Treasury note, which mortgage rates closely track, fell about 13 basis points to 5.06 percent. On a $500,000, 30-year fixed-rate loan, the monthly principal-and-interest payment at 7.40 percent is about $3,462, compared with about $3,085 at the year-ago rate of 6.27 percent, a difference of roughly $377 a month.
Realtor.com economist Jiayi Xu said mortgage rates are unlikely to ease anytime soon, and that bringing inflation under control would pave the way for lower rates and improved affordability, according to Realtor.com. Freddie Mac, headquartered in McLean, Virginia, is one of the principal institutions in the U.S. secondary mortgage market, and its PMMS is among the most closely watched benchmarks for American mortgage rates.
发布：GSM·美国（发布链接）
图片来源：图：俄亥俄州辛辛那提郊区成片独栋住宅航拍。图片来源：Wikimedia Commons，Derek Jensen (Tysto) 摄，公共领域 / Photo: Aerial view of tract housing in the suburbs of Cincinnati, Ohio. Source: Wikimedia Commons, by Derek Jensen (Tysto), public domain
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