房地美周报：30年期房贷利率降至7.24%为本月最低，15年期降至6.60%
房地美（Freddie Mac）10月29日发布最新一期初级抵押贷款市场调查（Primary Mortgage Market Survey，PMMS）：截至10月29日当周，美国30年期固定利率抵押贷款平均利率为7.24%，较上周的7.32%下降8个基点，降至本月最低水平；去年同期为6.17%。
15年期固定利率抵押贷款本周平均为6.60%，较上周的6.68%同样下降8个基点；去年同期为5.41%。
房地美首席经济学家 Sam Khater 表示：「30年期固定利率抵押贷款平均利率本周再度下降，降至本月最低水平，温和提振了潜在购房者的购买力。」
这是房贷利率连续第二周下降。此前一周（截至10月22日当周）30年期利率由7.40%降至7.32%，为8月以来首次周度下降；本周再降至7.24%。不过与去年同期的6.17%相比，30年期利率仍高出逾一个百分点，购房者的月供压力仍明显高于一年前。
本周利率回落发生在美联储10月28日议息会议之后：联邦公开市场委员会（FOMC）以10比2的投票维持联邦基金利率目标区间在3.75%至4.00%不变，理事 Lisa Cook 与 Cleveland 联储主席 Beth Hammack 主张加息25个基点。下一次议息会议定于12月8日至9日举行。
房地美的这项周度调查统计的是常规、合规、全额摊还型购房贷款，口径为借款人支付20%首付且信用状况优良。房地美总部位于 Virginia 州 McLean，其使命是在各类经济周期中为全美住房市场提供流动性、稳定性与可负担性。
Freddie Mac: 30-Year Mortgage Rate Falls to 7.24%, Lowest This Month; 15-Year at 6.60%
Freddie Mac released the results of its Primary Mortgage Market Survey (PMMS) on October 29, showing the 30-year fixed-rate mortgage (FRM) averaged 7.24% for the week ending October 29, 2026, down from 7.32% the week before and the lowest level this month. A year ago at this time, the 30-year FRM averaged 6.17%.
The 15-year FRM averaged 6.60% this week, down from 6.68% last week. A year ago, it averaged 5.41%.
"The average 30-year fixed-rate mortgage declined again this week, reaching its lowest level this month and modestly boosting purchasing power for prospective buyers," said Sam Khater, Freddie Mac's Chief Economist.
It was the second straight weekly decline. The prior week's survey (week ending October 22) had put the 30-year rate at 7.32%, its first weekly drop since August. Even so, at 7.24% the benchmark rate remains more than a full percentage point above its year-ago level of 6.17%.
The latest reading followed the Federal Reserve's October 28 meeting, at which the Federal Open Market Committee voted 10-2 to hold the federal funds target range at 3.75% to 4.00%, with Governor Lisa Cook and Cleveland Fed President Beth Hammack dissenting in favor of a quarter-point increase. The next meeting is scheduled for December 8-9.
The PMMS focuses on conventional, conforming, fully amortizing home purchase loans for borrowers who put 20% down and have excellent credit. Freddie Mac, headquartered in McLean, Virginia, says its mission is to make home possible for families across the nation by promoting liquidity, stability and affordability in the housing market.
来源：GSM·美国（原文链接）
图片来源：图：美国住宅区航拍（资料图）。La Citta Vita 摄，CC BY-SA 2.0 授权，经维基共享资源。Photo: Aerial view of a U.S. residential neighborhood (file photo), by La Citta Vita, CC BY-SA 2.0, via Wikimedia Commons.
