房利美10月预测：房贷利率2027年或维持7.5%上下 再融资规模预计缩减约三分之一
华盛顿——房利美（Fannie Mae）10月发布的住房市场预测显示，美国30年期固定房贷利率预计在2026年第四季度平均为7.4%，2027年全年各季度平均约为7.5%，意味着高利率环境可能延续至2027年。
预测同时显示，再融资贷款额预计将从2026年的约6,550亿美元降至2027年的约4,300亿美元，缩减约三分之一；2027年单户住宅贷款总额预计约为1.865万亿美元。
房地美（Freddie Mac）最新一周调查显示，截至10月15日当周，30年期固定房贷平均利率为7.40%，与前一周持平。高利率持续压制购房与再融资需求，买卖双方仍在等待更明确的利率下行信号。（GSM 据房利美、房地美公开数据报道）
Fannie Mae October Forecast: Mortgage Rates Near 7.5% Through 2027, Refinancing to Shrink by a Third
WASHINGTON — Fannie Mae's October housing forecast projects the average 30-year fixed mortgage rate at 7.4 percent in the fourth quarter of 2026 and about 7.5 percent through each quarter of 2027, suggesting elevated borrowing costs could persist into 2027.
The forecast also expects refinance volume to fall from about $655 billion in 2026 to about $430 billion in 2027 — a decline of roughly one-third — while total single-family originations in 2027 are projected at about $1.865 trillion.
Freddie Mac's latest weekly survey put the average 30-year fixed rate at 7.40 percent for the week ending October 15, unchanged from the prior week. Persistently high rates continue to weigh on both home purchases and refinancing, with buyers and sellers still waiting for a clearer signal that rates are headed down. (GSM, from Fannie Mae and Freddie Mac public data)
发布：GSM·美国（发布链接）
图片来源：图：美国郊区住宅区（资料图）。图片来源：Wikimedia Commons，CC0。Photo: A suburban residential neighborhood in the United States (file photo). Source: Wikimedia Commons, CC0.
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