本周抵押贷款利率降至一年多来的最低点，平均30年期固定抵押贷款利率降至6.19%。这一变化符合市场预期，即在美联储可能降息前利率将有所缓解。尽管利率有所下降，但经济学家指出，进一步大幅下降可能面临挑战，因为部分降息已被市场消化，且预算赤字和通胀预期等因素仍在影响利率走势。利率的缓和为购房者提供了一个有利的窗口期，尤其是在库存增加和买家议价能力增强的背景下。购房者仍可通过信用、贷款类型和首付等因素来影响最终锁定的利率。

📉 抵押贷款利率显著下降：最新数据显示，30年期固定抵押贷款的平均利率已降至6.19%，创下一年多来的新低。此前一年同期的利率为6.54%。15年期固定抵押贷款的平均利率也降至5.44%。

🔮 市场预期与现实相符：此次利率下降符合市场对美联储可能降息前利率将有所缓解的预期。房地产网站Realtor.com的高级经济学家Jake Krimmel指出，这伴随着美国国债收益率的下降和政府停摆带来的不确定性。

⚖️ 购房者迎来窗口期：利率的缓和为购房者提供了有利时机，尤其是在库存增加和买家议价能力增强的市场环境下。虽然住房可负担性仍然是一个挑战，但购房者仍可以通过管理信用、选择合适的贷款类型和决定首付比例来获得更有利的贷款利率。

⚠️ 未来利率走势面临不确定性：尽管近期利率下降，但经济学家也警告称，未来进一步大幅下降的空间可能有限。部分原因是即将到来的降息已被市场消化，而潜在的12月降息、持续的预算赤字以及通胀预期等因素，将继续限制抵押贷款利率可能下降的幅度。

Mortgage rates dropped this week to their lowest level in more than a year, 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 decreased to 6.19% from last week's reading of 6.27%. 

The average rate on a 30-year loan was 6.54% a year ago.

"At the start of 2025, the 30-year fixed-rate mortgage surpassed 7%, while today it hovers nearly a full percentage point lower," said Sam Khater, Freddie Mac’s chief economist. "This dynamic has kept refinancings high, accounting for more than half of all mortgage activity for the sixth consecutive week."

WHY ARE MORTGAGE RATES INCREASING DESPITE A RATE CUT FROM THE FED?

The average rate on the 15-year fixed mortgage fell to 5.44% from last week's reading of 5.52%.

One year ago, the rate on the 15-year fixed note averaged 5.71%.

NEARLY 1 IN 5 AMERICAN HOMES SLASH PRICES AS BUYERS GAIN UPPER HAND IN SHIFTING MARKET

NYC MAYORAL CANDIDATE SPARKS 'MAMDANI EFFECT' AS MANHATTAN RESIDENTS REPORTEDLY FLEE TO SUBURBS

This week's shift confirms market expectations that mortgage rates would ease ahead of the Fed's expected rate cut next week. The drop also comes amid falling Treasury yields and ongoing uncertainty from the government shutdown, according to Realtor.com senior economist Jake Krimmel.

"But further declines may be harder to come by," Krimmel said. "The upcoming cut is already priced in, while uncertainty over a potential December move, stubborn budget deficits, and lingering inflation expectations continue to limit how far mortgage rates could fall."

For the housing market, the shift gives buyers a window of opportunity. 

GET FOX BUSINESS ON THE GO BY CLICKING HERE

"Rates have eased steadily throughout the ‘best time to buy’ season, offering buyers and refinancers welcome savings and some breathing room as inventory climbs and buyers gain leverage," Krimmel said. "While affordability remains a challenge, borrowers still have meaningful control over the rate they lock in through credit, loan type and down payment decisions."