特朗普签署行政令降低住房成本：房贷保险费达标后主动取消 农业部与退伍军人事务部被要求降低房贷利率
华盛顿——白宫10月22日发布情况说明称，特朗普总统当天签署一项行政令，旨在降低独栋住房的购房与房贷成本，并推动住房市场的创新。
行政令的第一项安排针对房贷保险费。说明称，行政令要求联邦住房金融局（FHFA）局长设立一个试点项目：借款人按当前市场价值计算的房屋净值达到要求后，主动取消其房贷保险费。白宫称，这将为全美符合条件的购房者省去一笔数额较大的每月开支。
第二项安排涉及再融资成本。行政令要求 FHFA 局长把该局的产权保险豁免试点扩大为长期项目，让更多借款人可以使用成本较低的产权保险替代方案，降低再融资的过户成本以及与购房相关的每月开支。
第三项安排是组建「制造业住房创新工作组」。白宫称，该工作组将通过推动在符合联邦住房项目资格的工厂建造住房生产中使用现代制造方法，提高住房质量、降低建房成本。
第四项安排针对联邦房贷利率。行政令要求农业部长与退伍军人事务部长降低各自部门发放的独栋住房贷款的利率。说明未给出利率下调的具体幅度与生效时间。
白宫在说明中还列出此前的一系列住房举措：2026年1月，特朗普签署行政令，阻止大型机构投资者购买本可由家庭购买的独栋住房，并呼吁国会将相关政策立法；同月，他指示房利美与房地美购买2,000亿美元的房贷支持证券，以进一步压低借贷成本；2026年3月，他签署行政令，减轻推高房贷成本的监管负担。说明还称，「工薪家庭减税」将房利美与房地美低收入住房税收抵免的投资上限提高了一倍，以增加农村与服务不足社区的住房供应。
Trump Signs Executive Order to Lower Housing Costs: Mortgage Insurance to Be Canceled Once Equity Is Met, USDA and VA Directed to Lower Loan Rates
WASHINGTON — President Donald J. Trump on October 22 signed an Executive Order to lower the costs of single-family homeownership and mortgages and promote innovation throughout the housing market, according to a White House fact sheet released the same day.
First, the Order directs the Director of the Federal Housing Finance Agency (FHFA) to create a pilot program to cancel borrowers' mortgage insurance premiums proactively once they have satisfied their equity requirements based on the current market value. The White House said this will eliminate a large monthly expense for qualifying Americans across the country.
Second, the Order directs the FHFA Director to reduce homeowners' refinancing costs by expanding the FHFA's title insurance waiver pilot into a permanent program, allowing more borrowers to use cost-friendly alternatives to title insurance and reducing the closing costs of refinancing and monthly expenses associated with homeownership.
Third, the Order establishes the Task Force on Manufactured Housing Innovation, which the White House said will increase the quality of and lower the cost of building a home by facilitating the use of modern manufacturing methods in the production of factory-built housing eligible for federal housing programs.
Fourth, the Order directs the Secretary of Agriculture and the Secretary of Veterans Affairs to reduce interest rates on single-family home loans made by their respective departments. The fact sheet did not specify the size of the rate reductions or when they would take effect.
The fact sheet also listed earlier housing actions: in January 2026, President Trump signed an Executive Order preventing large institutional investors from buying single-family homes that could otherwise be purchased by families, and called on Congress to codify those policies; the same month, he directed Fannie Mae and Freddie Mac to purchase $200 billion in mortgage-backed securities to further drive down borrowing costs; and in March 2026, he signed an Executive Order reducing regulatory burdens that the White House said drove up mortgage costs. It also said the Working Families Tax Cuts doubled the investment limit for Fannie Mae and Freddie Mac's Low Income Housing Tax Credit, boosting housing supply in rural and underserved communities.
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图片来源：GSM 行政令统一模板（美国总统行政令）
GSM Global · 本篇英文版 English edition of this story
