今日房贷利率7.20%：较上周五回升 低于一周前7.28% 本周看10月CPI
据 Bankrate 11月9日（周一）发布的全国房贷调查，全美30年期固定房贷平均利率为7.20%，较上周五小幅回升，但仍低于一周前的7.28%。
分品种看，15年期固定利率为6.60%，低于一周前的6.72%；5/1可调利率贷款为6.22%，低于一周前的6.55%；30年期巨额贷款（jumbo）利率为7.32%，低于一周前的7.40%。再融资方面，30年期固定再融资利率为7.30%。以上均为利率口径，不含年百分率（APR）。
美联储在10月28日的会议上决定维持联邦基金利率目标区间在3.75%至4%不变，但有两名委员投票主张加息25个基点。据 CME FedWatch，不少专家预计美联储可能在12月的下一次会议上再加息一次。
房利美（Fannie Mae）最新预测认为，房贷利率将在2027年全年维持在7.5%左右。
本周市场焦点是周二（11月10日）上午公布的10月消费者价格指数（CPI），通胀数据将直接影响利率走向；周三（11月11日）为退伍军人节，债券市场休市。
Mortgage Rates Today at 7.20%: Up From Friday, Below 7.28% a Week Ago, With October CPI Due Tuesday
The average rate on a 30-year fixed mortgage in the United States was 7.20% on Monday, November 9, according to Bankrate's national survey of lenders, up from Friday but below the 7.28% recorded a week earlier.
By loan type, the 15-year fixed averaged 6.60%, down from 6.72% a week ago; the 5/1 ARM averaged 6.22%, down from 6.55%; and the 30-year fixed jumbo averaged 7.32%, down from 7.40%. The 30-year fixed refinance rate averaged 7.30%. The figures are interest rates, not APRs.
The Federal Reserve voted at its October 28 meeting to hold the federal funds rate at 3.75% to 4%, though two committee members voted for a quarter-point increase. According to CME FedWatch, many experts project the Fed will raise rates once more at its December meeting.
Fannie Mae's latest forecast projects that mortgage rates will remain in the 7.50% range throughout 2027.
This week's focus is the October consumer price index, due Tuesday morning, November 10, which could move rates in either direction. Bond markets are closed on Wednesday, November 11, for Veterans Day.
来源：Bankrate
发布：GSM·美国（发布链接）
图片来源：美国一处待售住宅前的售房牌。（Rick Obst 摄，CC BY 2.0，经 Wikimedia Commons）
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