房地美周报：30年期房贷利率降至7.32%，为8月下旬以来首次周度下降，15年期降至6.68%
房地美（Freddie Mac）10月22日发布的《主要房贷市场调查》（PMMS）周报显示，30年期固定利率房贷平均利率为7.32%，自8月下旬以来首次出现周度下降。此前一周该利率为7.40%，处于今秋高位；去年同期为6.19%。
房地美首席经济学家Sam Khater表示，30年期固定房贷平均利率本周下降，为有意购房者带来一些缓解。15年期固定利率房贷平均利率为6.68%，低于前一周的6.71%，去年同期为5.44%。
PMMS统计的是传统型、限额内、全额摊还的购房贷款报价，对象为首付两成、信用优良的借款人。房地美自1970年以来在全美住房市场提供流动性、稳定性与可负担性支持。
结合全美房地产经纪人协会同月发布的9月成屋销售报告，9月30年期固定房贷平均利率为6.86%；进入10月后利率一度升至7.40%，最新一周回落至7.32%。
Freddie Mac: 30-Year Mortgage Rate Falls to 7.32%, First Weekly Decline Since Late August
Freddie Mac released the results of its Primary Mortgage Market Survey on October 22, showing the 30-year fixed-rate mortgage averaged 7.32%, its first weekly decline since late August. The rate was down from 7.40% the prior week, and compares with 6.19% a year ago.
"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 15-year fixed-rate mortgage averaged 6.68%, down from 6.71% the previous week and up from 5.44% a year ago.
The PMMS is focused on conventional, conforming, fully amortizing home purchase loans for borrowers who put 20% down and have excellent credit. Freddie Mac says its mission is to make home possible for families across the nation by promoting liquidity, stability and affordability in the housing market through all economic cycles.
The weekly survey reading contrasts with the September monthly average of 6.86% cited in the National Association of REALTORS' existing-home sales report: rates climbed to a fall peak of 7.40% in mid-October before easing to 7.32% in the latest week.
来源：GSM·美国（原文链接）
图片来源：新泽西州一栋住宅前的「已售」标牌（资料图）。Famartin 摄，CC BY-SA 4.0，经 Wikimedia Commons。 / A 'Sold' sign in front of a house in New Jersey (file photo). Photo by Famartin, CC BY-SA 4.0, via Wikimedia Commons.
