1月初，唐纳德·特朗普在社交媒体上发文，夸耀房贷利率的下降，并将这一成果归功于自己的政策。他在上任期间曾声称“在乔·拜登执政期间，几乎没有年轻家庭能够负担得起购房费用”，如今他坚称自己的“住房可负担性政策”确实为民众带来了实质性的经济缓解。在接下来的几周里，他连续发布多篇相关帖子，反复强调这一观点。3月5日（即美国与伊朗开战大约一周后），他再次将房贷利率降至近三年低点的成就归功于自己的政策。
In early January, Donald Trump published an item to his social media platform boasting about mortgage rates and taking credit for the fact that they were down to 5.7%. After claiming that “almost no young families could afford a home” during Joe Biden’s term, the Republican president insisted that he was delivering “real cost relief” with his “focus on Housing Affordability.” In the weeks that followed, he posted a series follow-up items each of which hammered home the same point, culminating in a missive published on March 5 (roughly one week into the war with Iran) in which the president once again took credit for mortgage rates falling to roughly a three-year low.
从那以后，特朗普再也没有提及过房贷利率的问题……你猜猜他为什么不再提这件事？
Trump hasn’t mentioned mortgage rates since. Take a wild guess why not.
《纽约时报》报道称，本周美国房贷利率首次回升至7%，达到了2025年1月以来的最高水平，这使得购房变得更加困难。许多美国人正面临着因与伊朗的战争而加剧的能源成本上涨和经济不确定性。
The New York Times reported Mortgage rates jumped to 7 percent this week for the first time since January 2025, squeezing housing affordability when many Americans are grappling with higher energy costs and economic uncertainty brought on by the war with Iran.
据房贷巨头Freddie Mac周四公布的数据，美国最常见的30年期固定利率房贷利率已从一年前的6.3%上升至7.03%。
The average 30-year, fixed-rate mortgage rate, the most common home loan in the United States, rose to 7.03 percent, up from 6.3 percent a year ago, the mortgage giant Freddie Mac said Thursday.
其实原因很简单：2月底时房贷利率曾跌破6%，特朗普将这一变化视为自己政策的成功体现。然而2月底还发生了另一件重要事件——特朗普批准了对伊朗的军事行动，这一决策导致能源价格进一步上涨，进而对整体消费价格产生了负面影响。通货膨胀的担忧扰乱了债券市场，进而推高了房贷利率；正因如此，特朗普才停止在社交媒体上讨论房贷利率的问题。
There’s no great mystery here. Mortgage rates fell below 6% in late February, which Trump saw as a reflection of his brilliance. What else happened in late February? Trump approved the launch of the war with Iran, which pushed energy prices higher, which in turn had an adverse effect on consumer prices across the board. Inflation concerns rattled the bond market, which necessarily pushed mortgage rates higher, and which led Trump to stop talking about the issue on his social media platform.
本周在一场活动上，一名记者询问副总统万斯对越来越多摇摆州共和党人呼吁结束持续战争的回应。万斯对此轻描淡写，辩称选民“关注的是重要的地方议题”。这一说法或许乍听之下有些道理——从历史经验来看，外交政策通常不会左右国内选举结果——但这一说辞存在一个相当明显的缺陷：。
At an event this week, a reporter asked JD Vance for his reaction to the growing number of Republicans in battleground states who have called for an end to the ongoing war. The vice president brushed it off arguing that voters were “focused on the local issues that matter.” That might have seemed vaguely persuasive — historically, foreign policy tends not to shape domestic election results — but the pitch suffered from a rather obvious flaw: .
至于总统，就在两年前这个月，时任候选人特朗普在亚利桑那州向听众承诺：“我们将非常迅速地降低[抵押贷款]利率。……我们将压低利率，让你们再次能够以2%的利率支付，并以低得多的成本为你们的房屋提供融资或进行再融资。”对于相信了他的选民来说，我有一些坏消息要告诉他们。
As for the president, it was two years ago this month when then-candidate Trump promised an audience in Arizona“We’re going to bring [mortgage rates] down very fast. … We will drive down the rates, so you will be able to pay 2% again, and we will be able to finance or refinance your homes drastically at much lower costs.” I have some bad news for the voters who believed him.
尽管特朗普在2024年竞选期间做出了错误的承诺，但抵押贷款利率仍达到7% MS NOW
The post Mortgage rates reach 7%, despite Trump’s misguided 2024 campaign promises MS NOW