本周抵押贷款利率有所上升，30年期固定抵押贷款平均利率达到6.34%。尽管利率有所波动，但仍低于去年同期的水平，也低于52周的平均最高值。近期数据显示，待售房屋销售有所增加，表明购房者信心正在恢复，并重新进入市场。15年期固定抵押贷款利率也小幅上涨。尽管存在一些市场不确定性，如潜在的政府关停，但分析人士预计抵押贷款利率将保持在一个相对稳定的区间。

📈 抵押贷款利率小幅上扬：最新的数据显示，30年期固定抵押贷款的平均利率本周上升至6.34%，高于上周的6.3%。尽管如此，这一利率仍低于去年同期的6.12%，并且低于52周的平均最高值6.71%。

🏠 购房者信心增强，市场活跃度提升：尽管利率有所上升，但近期的市场信号显示购房者信心正在回升。待售房屋销售量的增长（8月份增长4%）表明，购房者正以更积极的态度进入房地产市场。

📉 15年期固定抵押贷款利率同步上涨：与30年期贷款类似，15年期固定抵押贷款的平均利率也本周有所上升，从上周的5.49%升至5.55%。

⚖️ 市场不确定性下的利率展望：经济学家指出，抵押贷款利率与10年期国债收益率密切相关，并预计在当前市场对政府关停等因素进行权衡的情况下，利率将保持在相对狭窄的范围内。潜在的政府关停可能会影响市场和货币政策决策。

📊 待售房屋销售数据积极：全国房地产经纪人协会的数据显示，8月份的待售房屋销售合同签署量增长了4%，远超分析师预期的0.2%，这进一步佐证了房地产市场的复苏迹象。

Mortgage rates rose this week, mortgage buyer Freddie Mac said Thursday.

Freddie Mac's latest Primary Mortgage Market Survey, released Thursday, showed the average rate on the benchmark 30-year fixed mortgage increased to 6.34% from last week's reading of 6.3%. 

The average rate on a 30-year loan was 6.12% a year ago.

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"The 30-year fixed-rate mortgage increased again this week but remains below its 52-week average of 6.71%," said Sam Khater, Freddie Mac’s chief economist. "The last few months have brought lower rates and as indicated by the recently reported increase in pending home sales, homebuyers are feeling more confident to get into the market."

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The average rate on the 15-year fixed mortgage climbed to 5.55% from last week's reading of 5.49%.

One year ago, the rate on the 15-year fixed note averaged 5.25%.

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Lower mortgage rates have pulled homebuyers back into the market. Data released this week from the National Association of Realtors showed pending home sales, based on signed contracts, increased 4% in August. Analysts polled by LSEG expected a 0.2% increase.

Mortgage rates, which track 10-year Treasury yields, are expected to stay in a tight range as markets weigh the implications of the government shutdown, Realtor.com senior economist Jiayi Xu said.

"The timing of this disruption is particularly sensitive, coming just after the Federal Reserve cut policy rates for the first time in nine months," she said.

"The longer the shutdown drags on, the greater its potential influence on markets and monetary policy decisions will be," Xu added.

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Growing uncertainty, Xu said, could lead prospective buyers to delay home sales, especially in metros that have a higher share of federal workers.