房地美周报：30年期房贷利率连降四周至7.11%，为七周以来最低
房地美（Freddie Mac）11月12日发布每周房贷市场调查（Primary Mortgage Market Survey，PMMS）：截至11月12日，全美30年期固定利率房贷平均利率为7.11%，较上周的7.18%下降7个基点，连续第四周下降；15年期固定利率房贷平均利率为6.45%，较上周的6.57%下降12个基点。
房地美首席经济学家 Sam Khater 表示，房贷利率已降至七周以来的最低水平，这对正在当前住房市场中做决定的借款人来说是一个好消息，也给了他们更大的灵活度。
一年前同期，30年期固定利率房贷平均利率为6.24%，15年期为5.49%，当前利率仍明显高于一年前。房地美说明，这项调查针对的是首付20%、信用状况优良的借款人所申请的常规、合规、全额摊还型购房贷款，反映的是这类优质借款人的平均报价，并非每一位借款人都能拿到的利率。
同日公布的另一组住房数据显示，10月成屋销售因利率高企继续走弱，利率连降能否带动年底成交回暖，仍要看后续几周的报价与签约数据。
关联：美国10月成屋销售跌5.5%至年率375万套，创2010年8月以来最低
Freddie Mac: 30-Year Mortgage Rate Falls for a Fourth Straight Week to 7.11%, a Seven-Week Low
Freddie Mac released the results of its Primary Mortgage Market Survey (PMMS) on November 12, showing the average 30-year fixed-rate mortgage at 7.11% as of November 12, 2026, down 7 basis points from 7.18% last week and a fourth consecutive weekly decline. The 15-year fixed-rate mortgage averaged 6.45%, down 12 basis points from 6.57% last week.
"Mortgage rates dropped to their lowest level in seven weeks, a welcome development that gives borrowers greater flexibility as they navigate the current housing market," said Sam Khater, Freddie Mac's chief economist.
A year ago at this time, the 30-year fixed-rate mortgage averaged 6.24% and the 15-year averaged 5.49%, so current rates remain well above year-ago levels. Freddie Mac notes that the PMMS is focused on conventional, conforming, fully amortizing home purchase loans for borrowers who put 20% down and have excellent credit, so the averages describe offers to top-tier borrowers rather than a rate promised to every applicant.
Separate housing data released the same day showed existing-home sales weakening further in October under high borrowing costs; whether the recent string of rate declines revives closings into year-end will depend on quotes and contract signings in the weeks ahead.
来源：房地美
发布：GSM·美国（发布链接）
图片来源：图：房地美房贷市场调查（PMMS）截至2026年11月12日的全美每周平均房贷利率走势图，30年期7.11%、15年期6.45%。房地美官方发布。 / Chart: Freddie Mac Primary Mortgage Market Survey, U.S. weekly average mortgage rates as of November 12, 2026. Courtesy of Freddie Mac.
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