30年期房贷利率连降三周至7.18%：房地美称买房环境继续改善
美国房贷利率又往下走了一步。房地美（Freddie Mac）11月5日发布的每周房贷市场调查（PMMS）显示，30年期固定利率房贷平均利率降至7.18%，低于上周的7.24%，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%。
与一年前相比，利率仍处在更高位置：去年同期30年期平均利率为6.22%，15年期为5.50%。房地美的调查口径，是首付两成、信用优良的购房者申请合规购房贷款时能拿到的平均报价。
「本周房贷利率延续下行轨迹，为有意购房者改善了环境。」房地美首席经济学家 Sam Khater 表示。对正在观望的买家来说，利率每降一个台阶，同样月供能负担的贷款额就多一截；但与去年相比仍高出近一个百分点的现实，也意味着多数人还在等更明确的下行信号。
值得注意的是，不同机构口径略有差别：抵押贷款银行家协会本周公布的调查显示，合规贷款30年期合同利率为7.30%。两份数据都指向同一方向，利率在缓慢松动，只是速度还谈不上快。（来源：房地美）
Mortgage Rates Fall for Third Straight Week: 30-Year Fixed Averages 7.18%
U.S. mortgage rates edged lower again. Freddie Mac's Primary Mortgage Market Survey, released Nov. 5, put the average 30-year fixed-rate mortgage at 7.18 percent, down from 7.24 percent the week before, a third consecutive weekly decline. The 15-year fixed averaged 6.57 percent, down from 6.60 percent.
Rates remain well above year-ago levels: the 30-year average stood at 6.22 percent a year earlier, and the 15-year at 5.50 percent. Freddie Mac's survey reflects average offers on conventional, conforming purchase loans for borrowers with a 20 percent down payment and excellent credit.
'Mortgage rates continued their downward trajectory this week, improving the environment for prospective homebuyers,' said Sam Khater, Freddie Mac's chief economist. For buyers on the sidelines, each step down stretches what the same monthly payment can borrow, though rates nearly a full point above last year's levels explain why many are still waiting for a clearer signal.
Surveys differ slightly in method: the Mortgage Bankers Association reported a 7.30 percent average contract rate for 30-year conforming loans this week. Both point the same way, rates are loosening slowly, not quickly. (Source: Freddie Mac)
来源：房地美
发布：GSM·美国（发布链接）
图片来源：图：加州洛杉矶县范奈斯的住宅社区（资料图）。公共领域图片，经 Wikimedia Commons。 / Photo: A residential neighborhood in Van Nuys, Los Angeles County, California (file photo). Public domain, via Wikimedia Commons.
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