房地美周报：30年期房贷利率10月22日降至7.32%，15年期降至6.68%，为8月以来首次周降
房地美（Freddie Mac）10月22日在弗吉尼亚州麦克莱恩发布的初级抵押贷款市场调查（PMMS）显示，截至10月22日，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年期固定利率抵押贷款平均利率为6.68%，低于上周的6.71%。这是30年期利率自8月下旬以来首次周度下降，此前一周的7.40%为今秋高点。
房地美首席经济学家 Sam Khater 说：「30年期固定利率抵押贷款平均利率本周下降，为潜在购房者带来一些缓解。」与去年同期相比，当前利率仍明显更高：一年前同一调查周，30年期利率平均为6.19%，15年期为5.44%。
PMMS的调查对象为传统的、符合限额的、全摊销购房贷款，借款人首付20%且信用优良。房地美表示，其使命是让全国家庭能够拥有住房，自1970年以来已帮助数千万家庭购房、租房或保住住房。本站10月15日曾报道该调查30年期利率为7.40%，本周数据为其后一周的新读数。
Freddie Mac Survey: 30-Year Mortgage Rate Eased to 7.32 Percent as of October 22, 15-Year at 6.68 Percent in First Weekly Decline Since August
Freddie Mac released its Primary Mortgage Market Survey (PMMS) in McLean, Virginia, on October 22, showing the average 30-year fixed-rate mortgage at 7.32 percent as of October 22, 2026, down from 7.40 percent the prior week, while the 15-year fixed-rate mortgage averaged 6.68 percent, down from 6.71 percent. The decline was the first weekly drop in the 30-year rate since late August, after the prior week's 7.40 percent marked a fall high.
'The average 30-year fixed-rate mortgage declined this week, offering some relief to prospective homebuyers,' said Sam Khater, Freddie Mac's Chief Economist. Rates remain well above year-earlier levels: a year ago at this time, the 30-year fixed-rate mortgage averaged 6.19 percent and the 15-year averaged 5.44 percent.
The PMMS focuses on conventional, conforming, fully amortizing home purchase loans for borrowers who put 20 percent down and have excellent credit. Freddie Mac said its mission is to make home possible for families across the nation, and that since 1970 it has helped tens of millions of families buy, rent or keep their home. GSM reported the survey's 30-year reading of 7.40 percent on October 15; this week's release is the following week's new reading.
来源：GSM·美国（原文链接）
图片来源：房地美（Freddie Mac）企业标志。房地美发布，公共领域，经 Wikimedia Commons。 / The Freddie Mac corporate logo. Released by Freddie Mac, public domain, via Wikimedia Commons.
