房地美周报：30年期房贷利率回落至7.32%，九周来首次下降
房地美（Freddie Mac）10月22日发布最新一期初级抵押贷款市场调查（PMMS）：截至10月22日的一周，30年期固定利率房贷平均利率为7.32%，较上周的7.40%下降0.08个百分点，为九周来首次下降，也是今年4月以来最大单周跌幅；一年前同期为6.19%。
15年期固定利率房贷平均利率为6.68%，较上周的6.71%小幅下降；一年前同期为5.44%。
房地美首席经济学家 Sam Khater 表示：「30年期固定利率房贷平均利率本周下降，为潜在购房者带来一些喘息空间。」
此次回落之前，房贷利率已连续数周上行并升至三年高位。PMMS 的统计对象为首付两成、信用优良的借款人申请的常规合规型全额摊还购房贷款。
与一年前相比，利率仍处高位：去年同期30年期平均利率为6.19%，15年期为5.44%，分别低1.13与1.24个百分点。
Freddie Mac: 30-Year Mortgage Rate Falls to 7.32%, First Decline in Nine Weeks
Freddie Mac on October 22 released the latest results of its Primary Mortgage Market Survey (PMMS): the 30-year fixed-rate mortgage averaged 7.32% as of October 22, 2026, down 0.08 percentage point from 7.40% the previous week, its first decline in nine weeks and its largest weekly drop since April. A year ago, the 30-year rate averaged 6.19%.
The 15-year fixed-rate mortgage averaged 6.68%, down slightly from 6.71% the previous week; a year ago it averaged 5.44%.
"The average 30-year fixed-rate mortgage declined this week, offering some relief to prospective homebuyers," said Sam Khater, Freddie Mac's chief economist.
The decline follows weeks of increases that had pushed mortgage rates to three-year highs. The PMMS focuses on conventional, conforming, fully amortizing home purchase loans for borrowers who put 20% down and have excellent credit.
Rates remain well above year-ago levels: a year earlier the 30-year averaged 6.19% and the 15-year 5.44%, lower by 1.13 and 1.24 percentage points respectively.
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图片来源：图：犹他州 Layton 的郊区住宅街道（资料图）。Pink Sherbet Photography（D Sharon Pruitt）摄，CC BY 2.0 授权，经维基共享资源。Photo: A suburban residential street in Layton, Utah (file photo), by Pink Sherbet Photography (D Sharon Pruitt), CC BY 2.0, via Wikimedia Commons.
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