房贷利率连续第三周下降：30年期降至7.18%，15年期降至6.57%
美国房地美（Freddie Mac）2026年11月5日发布最新一期抵押贷款市场调查（PMMS）：截至11月5日，30年期固定利率抵押贷款平均利率为7.18%，较上周的7.24%下降，为连续第三周下降；15年期固定利率平均为6.57%，低于上周的6.60%。
这项在 Virginia 州 McLean 发布的周度调查是全美房贷利率最常被引用的基准之一。此前两周的数据为：10月22日当周30年期平均7.32%，10月29日当周平均7.24%，本周再降至7.18%，三周累计下降14个基点。
与去年同期相比，当前利率仍明显更高。一年前，30年期固定利率平均为6.22%，15年期为5.50%，分别低于本周96个基点和107个基点。
房地美首席经济学家 Sam Khater 表示，本周抵押贷款利率延续下行走势，在经济保持强劲增长的背景下，改善了潜在购房者的环境。
房地美说明，该调查统计的是首付20%、信用状况优良的借款人办理的常规、合规、全额摊还购房贷款。
Mortgage Rates Fall for a Third Straight Week: 30-Year Fixed Drops to 7.18%, 15-Year to 6.57%
Freddie Mac released the results of its Primary Mortgage Market Survey (PMMS) on November 5, 2026, showing the 30-year fixed-rate mortgage averaged 7.18% as of November 5, down from 7.24% last week, a third consecutive weekly decline. The 15-year fixed-rate mortgage averaged 6.57%, down from 6.60% last week.
The weekly survey, released from McLean, Virginia, is one of the most widely cited benchmarks for U.S. mortgage rates. The 30-year average stood at 7.32% in the October 22 survey and 7.24% in the October 29 survey, a cumulative drop of 14 basis points over three weeks.
Rates remain well above year-ago levels. A year ago at this time, the 30-year fixed-rate mortgage averaged 6.22% and the 15-year averaged 5.50%, 96 and 107 basis points below this week's readings, respectively.
"Mortgage rates continued their downward trajectory this week, improving the environment for prospective homebuyers against a backdrop of strong economic growth," said Sam Khater, Freddie Mac's Chief Economist.
Freddie Mac said the PMMS is focused on conventional, conforming, fully amortizing home purchase loans for borrowers who put 20% down and have excellent credit.
来源：房地美
发布：GSM·美国（发布链接）
图片来源：图：位于 Seattle 的一栋住宅（资料图）。摄影 Joe Mabel，CC BY-SA 4.0，经 Wikimedia Commons。 / Photo: A house in Seattle (file photo). By Joe Mabel, CC BY-SA 4.0, via Wikimedia Commons.
GSM Global · 本篇英文版 English edition of this story
