美国抵押贷款利率连续第七周上升，达到近三年来的最高水平，这进一步加剧了该国的住房可 affordability 问题。
US mortgage rates climbed for a seventh straight week to their highest level in nearly three years, compounding the nation’s affordability problem.
根据周三公布的抵押银行协会数据，截至10月2日的一周内，30年固定抵押贷款的合同利率上升了19个基点至7.49%，这是自2023年11月以来的最高水平。
The contract rate on a 30-year fixed mortgage rose 19 basis points to 7.49% in the week ended Oct. 2, its highest point since November 2023, according to Mortgage Bankers Association figures released Wednesday.
在过去三周内上升了约半个百分点，为2023年初以来的最快上升速度。
It’s up about half a percentage point over the past three weeks, marking the fastest increase since early 2023.
伊朗战争爆发以来，能源成本和整体通货膨胀一直在上升，这推动了10年期国债收益率的上升，而10年期国债收益率对抵押贷款利率的影响非常大，并于周一达到自2002年以来的最高水平。
Energy costs and overall inflation have climbed since the start of the Iran war, driving up yields for 10-year Treasury notes, which heavily influence mortgage rates and on Monday reached the highest level since 2002.
与仍然较高的房价一起，抵押贷款利率阻止了二手房和新房销售保持任何动力。
Along with still-elevated prices, mortgage rates have prevented sales of previously owned homes and new-home sales from sustaining any momentum.
抵押银行协会的购买指数（衡量贷款申请量的指标）下降了2.1%，跌至超过一年以来的最低水平。
The MBA purchase index, which measures loan applications, declined 2.1%, slipping to the lowest level in more than a year.
MBA的再融资指数下降了7.5%，继续了自8月中旬以来的下滑趋势。
MBA’s refinance gauge fell 7.5%, continuing a slide that started in mid-August.
MBA的调查自1990年以来一直每周进行，采用来自抵押银行家、商业银行和储蓄机构的回复。这些数据涵盖了美国所有零售住宅抵押贷款申请的75%以上。
The MBA survey, which has been conducted weekly since 1990, uses responses from mortgage bankers, commercial banks and thrifts. The data cover more than 75% of all retail residential mortgage applications in the US.