抵押贷款利率连续第七周上涨，推动美国长期住房贷款平均利率升至近三年来最高水平。抵押贷款机构弗雷迪麦克（Freddie Mac）周四表示，基准的30年期固定利率抵押贷款从上周的7.28%升至7.40%。一年前，该平均利率为6.30%。
Mortgage rates marched higher for the seventh week in a row, driving the average long-term U.S. home loan rate to its highest level in nearly three years The benchmark 30-year fixed-rate mortgage climbed to 7.40% from 7.28% last week, mortgage buyer Freddie Mac said Thursday. One year ago, the average rate was 6.30%. The average rate is now the highest it’s been since Nov. 16, 2023, when it was at 7.44%.
目前，该平均利率已创下自2023年11月16日（当时为7.44%）以来的最高水平。
The housing market has been stuck in a rut this year in large part because of rising mortgage rates, which can add hundreds of dollars a month in costs for borrowers, limiting homebuyers’ purchasing power and prompting many to put off buying a home.
今年住房市场陷入停滞，主要原因在于抵押贷款利率持续上升，这可能导致借款人每月多支出数百美元，从而限制购房者的购买力，并促使许多人推迟购房计划。
Borrowing costs on 15-year fixed-rate mortgages, often sought by borrowers refinancing a home loan, also rose this week.
本周，15年期固定利率抵押贷款的借贷成本也出现上涨，这类贷款常被用于房屋再融资的借款人所选择。其平均利率从上周的6.60%升至6.73%。一年前，该利率为5.53%。
That average rate increased to 6.73% from 6.60% last week. A year ago, it was at 5.53%. Mortgage rates have been climbing in the months since the start of the U.S. war with Iran in late February.
自2月底美国与伊朗战争爆发以来，数月来抵押贷款利率持续攀升。近期利率的迅速上升也反映了债券市场波动加剧，因为战争引发的油价飙升加剧了人们对通胀的担忧。
The recent run-up in rates also reflects heightened bond market volatility as surging oil prices due to the war fuel inflation worries. Rates on home loans are influenced by inflation, Federal Reserve policy and bond-market investors’ expectations for the economy, among other factors.
住房贷款利率受通胀、美联储政策以及债券市场投资者对经济的预期等多种因素影响。这些利率通常与10年期美国国债收益率的走势一致，而贷款机构正是以此作为住房贷款定价的参考。
They generally follow the trajectory of the 10-year Treasury yield, which lenders use as a guide to pricing home loans. The 10-year Treasury yield has risen to its highest level since 2002 because of worries about high inflation, big government debt loads and other factors.
由于高通胀、庞大的政府债务及其他因素引发的担忧，10年期美国国债收益率已升至自2002年以来的最高水平。
The yield was at 5.29% at midday Thursday on the bond market.
周四中午，债券市场上的该收益率达到5.29%，远高于伊朗战争爆发前的3.97%水平。
That's well above its 3.97% level from before the war with Iran began.
2月底，30年期抵押贷款的平均利率曾短暂降至5.98%，为自2022年底以来的最低水平。此后利率上升了1.42个百分点，这意味着以当前平均利率贷款40万美元购房的借款人，每月将多支付约376美元。
In late February, the average rate on a 30-year mortgage briefly dipped to 5.98%, its lowest level going back to late 2022. The 1.42 percentage point increase in the rate since then translates roughly into an additional monthly cost of $376 for a borrower financing a $400,000 home loan at the current average rate.
根据借款人的收入、信用状况及其他因素，他们可能获得的30年期抵押贷款利率会低于或高于当前平均水平。
Depending on a borrower’s income, credit and other factors, they may qualify for a rate on a 30-year mortgage that is below or above the current average.
自2022年抵押贷款利率开始从疫情时期的低点攀升以来，美国房地产市场就一直处于低迷状态。去年，美国二手住宅的销售额基本持平，停留在30年来的最低水平。
The U.S. housing market has been in a slump since 2022, when mortgage rates began to climb from pandemic-era lows. Sales of previously occupied U.S. homes were essentially flat last year, stuck at a 30-year low.
上个月，美国全国房地产经纪人协会表示，8月份现有住宅销售额较7月份下降了2%，经季节性调整后的年化为398万套。这是该协会记录到的超过一年以来最慢的年度销售速度。抵押贷款利率的急剧上升，导致许多潜在购房者暂停了购房计划。
Last month, the National Association of Realtors said that existing home sales fell 2% in August from July to a seasonally adjusted annual rate of 3.98 million units. That was their slowest annual pace in more than a year. The sharp rise in mortgage rates has many would-be homebuyers putting their home shopping plans on hold.
根据美国抵押贷款银行家协会的数据，由于抵押贷款利率持续上涨，上周抵押贷款申请量连续第五周下降，这些申请包括购房贷款和现有抵押贷款的再融资申请。
Mortgage applications, which include loans to buy a home or refinance an existing mortgage, fell for the fifth week in a row last week as mortgage rates kept climbing, according to the Mortgage Bankers Association.
利率上升也导致许多房主推迟了现有抵押贷款的再融资。根据抵押贷款银行家协会的数据，上周住房贷款再融资申请量降至2025年1月以来的最低水平，不足去年同期水平的一半。
Higher rates are also keeping many homeowners from refinancing their existing mortgage. Home loan refinance applications fell last week to their lowest level since January 2025 and were less than half last year’s pace, according to the MBA.