约15万户可调利率房贷今年迎来首次重置 2019年七年期贷款月供中位数或跳涨1080美元
据 Realtor.com 10月19日报道，房贷数据与技术公司 ICE Mortgage Technology 的数据显示，全美约15万名可调利率房贷（ARM）借款人将在今年年内迎来首次利率重置；此后两年规模相近，2027年约有18.6万人、2028年约有15.5万人面临首次调整。
以2019年发放的七年期可调利率房贷为例，这批借款人的起始利率中位数为3%，未偿余额中位数为54.8万美元。按当前利率水平与这类贷款合同约定的调整上限测算，其重置后利率中位数为6.06%，每月还款额中位数将增加1080美元。相比之下，2019年以30年期固定利率贷款购房的借款人，当年平均利率为3.94%（房地美数据），利率在整个贷款期内锁定不变。
可调利率房贷的占比近月明显回升。美国抵押贷款银行家协会（MBA）数据显示，9月下旬可调利率房贷占全部房贷申请的10.3%，高于年初的7%，为2025年10月以来最高。利率背景方面，房地美周报显示30年期固定利率10月15日为7.40%；Bankrate 对大型贷款机构的调查显示，5/1可调利率房贷平均年利率为6.57%，10/1为6.95%。
并非所有面临重置的借款人月供都会上涨。ICE 数据显示，2023年发放的三年期可调利率房贷借款人起始利率中位数为8.38%，未偿余额中位数为13.6万美元；这批贷款重置后利率中位数预计降至7.71%，每月还款额将减少约124美元。（GSM 据 Realtor.com 报道）
About 150,000 ARM Borrowers Face First Rate Reset This Year; Median Payment on 2019 Seven-Year Loans Seen Jumping $1,080
About 150,000 U.S. homeowners with adjustable-rate mortgages (ARMs) are scheduled to see their interest rates adjust for the first time this year, according to data from ICE Mortgage Technology reported by Realtor.com on October 19. Another 186,000 borrowers face a first adjustment in 2027 and 155,000 in 2028.
For seven-year ARMs originated in 2019, ICE data show a median initial rate of 3% and a median unpaid balance of $548,000. Based on current rates and the caps on those loans, the median adjusted rate would be 6.06%, lifting the median monthly payment by $1,080. By comparison, borrowers who took 30-year fixed-rate loans in 2019 locked in an average rate of 3.94%, according to Freddie Mac.
ARMs have been gaining share in recent months. The Mortgage Bankers Association put ARMs at 10.3% of mortgage applications in late September, up from 7% at the start of the year and the highest share since October 2025. Freddie Mac put the 30-year fixed rate at 7.40% on October 15, while Bankrate's survey of large lenders showed average APRs of 6.57% for 5/1 ARMs and 6.95% for 10/1 ARMs.
Not every resetting borrower will pay more. Three-year ARMs originated in 2023 carry a median initial rate of 8.38% and a median unpaid balance of $136,000, ICE data show; their median rate is poised to fall to 7.71%, cutting the monthly payment by about $124. (GSM, via Realtor.com)
发布：GSM·美国（发布链接）
图片来源：Los Angeles住宅区航拍（资料照片）· 维基共享资源，CC0
GSM Global · 本篇英文版 English edition of this story
