美国30年期房贷利率降至7.32%：为8月以来首次周度下降
房地美（Freddie Mac）10月22日在弗吉尼亚州 McLean 总部发布每周一次的初级抵押贷款市场调查（PMMS）：截至10月22日当周，美国30年期固定利率抵押贷款平均利率为7.32%，低于上周的7.40%；15年期固定利率平均为6.68%，低于上周的6.71%。这是30年期利率自8月以来首次出现周度下降，此前一周的7.40%为近52周最高水平。
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。房地美首席经济学家 Sam Khater 表示，30年期固定利率本周下降，为有意购房者带来些许缓解。
按40万美元、30年期本息贷款粗略测算，利率由7.40%降至7.32%，月供约减少22美元；该测算不含税费、保险与各项费用，不构成对任何具体借款人的报价。
房地美的这项调查统计的是常规、合规、全额摊还的购房贷款，对象为首付20%、信用优良的借款人；具体借款人拿到的利率会因信用状况、首付比例、贷款期限与贷款机构不同而有所差异。
30-Year Mortgage Rate Falls to 7.32%, First Weekly Decline Since August
Freddie Mac released its weekly Primary Mortgage Market Survey on October 22 in McLean, Virginia: the 30-year fixed-rate mortgage averaged 7.32% for the week ending October 22, 2026, down from 7.40% the week before, while the 15-year fixed-rate mortgage averaged 6.68%, down from 6.71%. It was the first weekly decline in the 30-year rate since August, after the prior week's 7.40% marked a 52-week high.
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. Sam Khater, Freddie Mac's chief economist, said the average 30-year fixed-rate mortgage declined this week, offering some relief to prospective homebuyers.
On a $400,000, 30-year principal-and-interest loan, the move from 7.40% to 7.32% lowers the monthly payment by roughly $22; the illustration excludes taxes, insurance and fees and is not a quote for any particular borrower.
The survey covers conventional, conforming, fully amortizing home purchase loans for borrowers who put 20% down and have excellent credit; rates offered to individual borrowers vary with credit profile, down payment, loan term and lender.
来源：GSM·美国（原文链接）
图片来源：图：美国一处在建新房的木框架（资料图）。CassieMCassid 摄，CC BY-SA 4.0，经维基共享资源。Photo: Wood framing of a new home under construction in the United States (file photo). By CassieMCassid, CC BY-SA 4.0, via Wikimedia Commons.
