美国30年期房贷利率升至13个月高位

美国30年期固定利率抵押贷款平均利率本周攀升至6.71%，创13个月来的最高水平1。这一数据由房利美（Freddie Mac）周四发布，相比上周的6.66%上升了0.05个百分点1。

利率上升的幅度在更长期限内也表现明显，目前水平已超越一年前的6.50%1。与此同时，15年期固定利率抵押贷款的平均利率也出现上涨，从上周的5.98%升至6.04%，较一年前的5.60%有所提高1。

房贷利率的上升增加了购房者的月度还款负担，进一步限制了购房力，导致美国房屋销售在今年持续低迷1。

The average interest rate on a 30-year fixed-rate mortgage in the United States climbed to 6.71% this week, marking the highest level in 13 months 1. This represents an increase from 6.66% the previous week and exceeds the 6.50% rate recorded a year ago 1. The rate remains just below the 6.72% peak reached on July 31, 2025 1.

The rising mortgage rates are adding to monthly payment burdens for home buyers, further constraining purchasing power during a period of persistently weak housing sales across the country 1. Meanwhile, the average rate for 15-year fixed-rate mortgages also rose to 6.04%, up from 5.98% the prior week and 5.60% one year earlier 1. According to data released Thursday by mortgage buyer Freddie Mac, these increases reflect ongoing pressure in the residential lending market 1.