房贷利率结束七周连涨：30年期定格7.40% 15年期降至6.71%
房地美（Freddie Mac）10月15日在弗吉尼亚州麦克莱恩发布最新一期初级抵押贷款市场调查（PMMS）：截至10月15日的一周，30年期固定利率抵押贷款平均利率为7.40%，与前一周持平；一年前同期为6.27%。15年期固定利率平均为6.71%，低于前一周的6.73%，一年前为5.52%。房地美首席经济学家萨姆·卡特（Sam Khater）表示：「30年期固定利率抵押贷款平均利率本周保持不变。」该调查覆盖首付20%、信用优良的购房者的常规合规全额摊还贷款。
另据抵押贷款银行家协会（MBA）数据，截至10月9日的一周，经季节性调整的抵押贷款申请量下降2.7%，其中购房申请下降4%、较一年前低16%，再融资申请下降0.4%、较一年前低56%。MBA调查的30年期固定利率升至7.50%，为2023年11月以来最高；可调利率贷款占申请总量的10.5%，为2025年10月以来最高份额，再融资占比升至37.7%。（GSM 据房地美 PMMS 与 MBA 数据）
Mortgage Rates Pause at 7.40% for 30-Year Loans as Seven-Week Climb Ends
Freddie Mac released its Primary Mortgage Market Survey (PMMS) from McLean, Virginia, on October 15. The 30-year fixed-rate mortgage averaged 7.40% for the week ending October 15, 2026, unchanged from last week; a year ago it averaged 6.27%. The 15-year fixed-rate mortgage averaged 6.71%, down from 6.73% the prior week, compared with 5.52% a year ago. 'The average 30-year fixed-rate mortgage remained unchanged this week,' said Sam Khater, Freddie Mac's chief economist. The PMMS covers conventional, conforming, fully amortizing home purchase loans for borrowers who put 20% down and have excellent credit.
Separately, the Mortgage Bankers Association reported that mortgage application volume fell 2.7% on a seasonally adjusted basis in the week ending October 9. Purchase applications fell 4% and ran 16% below year-ago levels; refinance applications slipped 0.4% and were 56% lower than a year earlier. The average 30-year fixed rate in the MBA survey edged up to 7.50%, its highest since November 2023, and adjustable-rate loans accounted for 10.5% of applications, the highest share since October 2025. (GSM, from Freddie Mac PMMS and MBA data)
来源：GSM·美国（原文链接）
图片来源：美国郊区住宅区航拍（资料图） / Aerial view of a U.S. suburban neighborhood (file photo). Photo: DPLA via Wikimedia Commons, Public domain.
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