华盛顿，10月8日——本周，美国广受欢迎的30年期固定利率抵押贷款的平均利率飙升至近三年来的高点，并且由于通胀担忧推高了国债收益率，该利率可能还会进一步上升。
WASHINGTON, Oct 8 - The average rate on the popular US 30-year fixed-rate mortgage surged to a near three-year high this week, and could increase further as concerns over inflation boost Treasury yields.
抵押贷款机构富国金融公司（Freddie Mac）周四表示，30年期固定抵押贷款的平均利率为7.40%，为2023年11月以来的最高水平，高于上周的7.28%。
The 30-year fixed mortgage rate averaged 7.40%, the highest level since November 2023, mortgage finance agency Freddie Mac said on Thursday.
欢迎 ，了解美国及全球市场当日的动态。
That was up from 7.28% last week.
美国与以色列同伊朗的战争正通过推高能源价格加剧通胀，进而抬升长期国债收益率。作为抵押贷款利率参考基准的10年期美国国债收益率已升至24年来的高点。
The US-Israeli war with Iran is fanning inflation through higher energy prices, driving up longer-term Treasury yields. The yield on the benchmark 10-year Treasury note, which mortgage rates track, has risen to a 24-year high.
自2月底战争爆发以来，30年期固定利率抵押贷款的平均利率已飙升142个基点。
The average rate on a 30-year fixed-rate mortgage has soared 142 basis points since the war started at the end of February.
不断上升的抵押贷款利率和依然高企的房价，使房地产市场成为经济学家所称的“可负担性危机”的核心问题，而这场危机正随着11月3日的中期选举临近而加剧。此次选举将决定国会的控制权归属。
Rising mortgage rates and still-high home prices have put the housing market at the center of what economists call an affordability crisis heading into the November 3 midterm elections, which will determine control of Congress.
今年早些时候，总统唐纳德·特朗普拒绝签署一项两党共同提出的住房可负担性法案，称其“乏善可陈”，并敦促国会——包括那些反对他要求的共和党同僚——首先通过另外几项存在争议的投票要求法案。
President Donald Trump earlier this year refused to sign a bipartisan housing affordability bill, calling it "a big yawn" as he pressed Congress, including fellow Republicans resisting his demands, to first pass separate and contentious voting requirements.
该法案除其他主要条款外，还包括豁免或加快住宅建筑项目的环境评估流程，并限制大型华尔街投资者可拥有的已建独栋住宅数量。该法案已于7月未经特朗普签署而正式生效。
The bill, which among other main provisions, waives or speeds up environmental reviews for home construction projects and places a cap on the number of already constructed single-family homes that big Wall Street investors can own, became law without Trump's signature in July.
更高的抵押贷款利率不仅抑制了购房需求，还使潜在卖家不愿将房屋挂牌出售。大多数房主的抵押贷款利率低于5%。这加剧了全国性的住房短缺问题，尤其是首套住房的短缺，导致即便需求减弱，房价依然居高不下。
Higher mortgage rates are not only suppressing demand, but they have also left potential sellers reluctant to put their houses on the market. Most homeowners have mortgage contracts below 5%. That has contributed to a national housing shortage, especially of starter homes, keeping prices elevated even as demand has weakened.
“今年秋季，利率上升正在抑制需求和供应，因此房价不太可能出现大幅下跌的压力，”Bright MLS的Lisa Sturtevant表示。“我们预计今年秋季的房地产市场会出现‘停滞’，而非‘崩盘’。”分析师在全文中补充了更多细节和评论。
"Higher rates are holding back both demand and supply this fall, so it is unlikely that there will be significant downward pressure on home prices," said Lisa Sturtevant at Bright MLS. "We should expect a housing market 'stall' and not a housing market 'crash' this fall."