房地美周报：30年期房贷利率降至7.18% 连续第三周下降
房地美（Freddie Mac）最新一期「初级抵押贷款市场调查」（PMMS）显示，截至11月5日当周，美国30年期固定利率房贷平均利率降至7.18%，低于前一周的7.24%，为连续第三周下降。15年期固定利率房贷平均利率同步从6.60%降至6.57%。
与一年前相比，当前利率仍明显偏高：去年同期30年期利率为6.22%，15年期为5.50%。房地美首席经济学家 Sam Khater 表示，利率连续第三周回落，对观望中的购房者是积极信号，但整体借贷成本仍处高位，购房负担能力依然是市场的主要约束。
PMMS 是房地美自1971年起发布的周度利率调查，汇总全美贷款机构的报价，是观察美国房贷利率走势的基准指标之一。利率回落通常会带动购房申请与再融资申请回升，贷款机构将在接下来的一周数据中观察成交量变化。
分析提醒，房贷利率主要跟随10年期美债收益率与市场对美联储政策的预期波动，单周回落不代表趋势确立。有意购房的家庭可比较多家贷款机构报价，并把利率之外的手续费、点数等总成本一并计入比较。（来源：房地美）
Freddie Mac: 30-Year Mortgage Rate Falls to 7.18 Percent, Third Straight Weekly Decline
Freddie Mac's latest Primary Mortgage Market Survey (PMMS) shows the average rate on a 30-year fixed-rate mortgage in the United States fell to 7.18 percent in the week ending November 5, down from 7.24 percent the week before - a third consecutive weekly decline. The 15-year fixed-rate mortgage averaged 6.57 percent, down from 6.60 percent.
Rates remain well above year-ago levels: a year earlier, the 30-year rate averaged 6.22 percent and the 15-year 5.50 percent. Freddie Mac Chief Economist Sam Khater said a third straight weekly decline is a positive signal for sidelined buyers, though borrowing costs remain elevated and affordability is still the market's main constraint.
The PMMS, published by Freddie Mac since 1971, surveys lenders nationwide each week and is a benchmark gauge of U.S. mortgage rate trends. Falling rates typically lift purchase and refinance applications, and lenders will watch the coming week's data for volume changes.
Analysts note that mortgage rates move largely with the 10-year Treasury yield and expectations for Federal Reserve policy, and one week of declines does not establish a trend. Prospective buyers should compare quotes from multiple lenders and weigh total costs, including fees and points, not the rate alone. (Source: Freddie Mac)
来源：房地美
发布：GSM·美国（发布链接）
图片来源：挂有售房牌的美国独栋住宅（资料图），Wikimedia Commons，CC BY
GSM Global · 本篇英文版 English edition of this story
