美国住房按揭贷款利率连降四周至 6.58% 降息预期难改购房负担压力

基础金属	铜电解铜铜精矿铜管铜棒废铜铜排铜合金精铜杆再生铜杆铜板带铝铝土矿氧化铝电解铝铝辅料铝棒铝合金锭废铝铝杆铝型材铝板卷铅铅精矿铅锭铅蓄电池再生精铅还原铅废铅蓄电池铅合金锌锌精矿电解锌锌合金氧化锌锌粉锡锡精矿锡锭锡材镁
稀有金属	稀土稀土矿稀土氧化物稀土金属钕铁硼稀散金属锑铋铟锗镓硒钽锆贵金属白银钨钨精矿 APT(仲钨酸铵)钨粉碳化钨钨酸钠钨条钨铁钨材钼钼精矿工业氧化钼钼铁钼化工高纯三氧化钼钼金属钛钛精矿钛渣四氯化钛海绵钛钛金属钛白粉硒
新能源	锂锂矿锂化合物金属锂镍镍矿镍铁精炼镍镍盐高冰镍 MHP 钴电解钴钴粉氯化钴四氧化三钴硫酸钴钴中间品氧化钴碳酸钴钴酸锂锰锰矿电解锰电池级硫酸锰锂电正负极三元前驱体磷酸铁正极材料石油焦针状焦包覆沥青人造石墨硅碳负极硅氧负极硅

基础金属

铜电解铜铜精矿铜管铜棒废铜铜排铜合金精铜杆再生铜杆铜板带铝铝土矿氧化铝电解铝铝辅料铝棒铝合金锭废铝铝杆铝型材铝板卷铅铅精矿铅锭铅蓄电池再生精铅还原铅废铅蓄电池铅合金锌锌精矿电解锌锌合金氧化锌锌粉锡锡精矿锡锭锡材镁

稀有金属

稀土稀土矿稀土氧化物稀土金属钕铁硼 稀散金属锑铋铟锗镓硒钽锆 贵金属白银钨钨精矿 APT(仲钨酸铵)钨粉碳化钨钨酸钠钨条钨铁钨材钼钼精矿工业氧化钼钼铁钼化工高纯三氧化钼钼金属钛钛精矿钛渣四氯化钛海绵钛钛金属钛白粉硒

新能源

锂锂矿锂化合物金属锂镍镍矿镍铁精炼镍镍盐高冰镍 MHP 钴电解钴钴粉氯化钴四氧化三钴硫酸钴钴中间品氧化钴碳酸钴钴酸锂锰锰矿电解锰电池级硫酸锰 锂电正负极三元前驱体磷酸铁正极材料石油焦针状焦包覆沥青人造石墨硅碳负极硅氧负极硅

美国住房按揭贷款利率连降四周至 6.58% 降息预期难改购房负担压力

2025-08-15 17:57:48 来源：北方有色网责任编辑：王欣悦

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美国住房按揭贷款利率连续第四周下降，降至去年10月以来的最低水平。周四，房利美(FreddieMac)在一份声明中表示，30年期固定利率贷款的平均利率为6.58%，低于上周的6.63%。

尽管美国7月份消费者通胀有所升温，但商品价格涨幅温和，缓解了一些投资者对关税带来广泛影响的担忧。再加上就业市场走弱的迹象，这些数据助推了市场押注美联储最早将在9月会议上重启降息。美国劳工部公布的数据显示，7月美国失业率环比升高0.1个百分点至4.2%，当月非农业部门新增就业岗位7.3万，低于市场预期的11万。同时，美国5月和6月非农业部门新增就业岗位数量从此前公布的14.4万和14.7万分别大幅下调至1.9万和1.4万，显示美国就业市场明显降温。受此影响，10年期美国国债收益率——抵押贷款利率的主要参考指标，也出现了相应波动。

不过，Zillow房贷业务高级经济学家KaraNg认为，即便美联储降息，也不能保证购房者的借贷成本会显著下降。房贷利率通常跟随10年期美债收益率变动，而后者受交易员对各类经济报告的反应所驱动。如果关税进一步渗透至价格，美联储的政策空间可能会受到限制。历史数据也显示，美联储降息周期与房贷利率的走势并非总是呈现简单的负相关关系。例如在2019年美联储开启降息周期时，美国30年期抵押贷款平均利率在当年剩余时间反而有所回升。

Ng表示，近期房贷利率的下滑可能会吸引部分买家，但许多人仍在观望，因为可负担性仍然是一个严重的障碍。“今年重返市场的卖家数量多于买家，他们正面临房源滞销以及合格买家群体缩小的现实。”美国房地产市场还面临着其他诸多压力，如房价在疫情期间大幅飙升后，并未出现实质性的下跌，这使得许多潜在购房者望而却步。同时，美国大选引发的焦虑情绪，也使得不少有意购房者选择继续观望。此外，佣金规定的变化也在一定程度上增加了购房者的困惑和负担。

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​美国住房按揭贷款利率连降四周至 6.58% 降息预期难改购房负担压力

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美国住房按揭贷款利率连降四周至 6.58% 降息预期难改购房负担压力