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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

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

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