2026年4月2日，加利福尼亚州千橡市的街道上排列着一排排独栋住宅。
Aerial view of single family homes line the streets on April 2, 2026 in Thousand Oaks, California.
凯文·卡特 | 盖蒂图片社 房利美的经济学家们目前预测，2026年底至2027年期间房贷利率将显著上升。据预测，今年第四季度30年期固定房贷利率的平均水平将达7.4%，而整个2027年该利率预计维持在7.5%。此前的预测值分别为6.8%和6.7%。
Kevin Carter | Getty Images Economists at Fannie Mae are now predicting much higher mortgage rates through the end of 2026 and into 2027. It now puts the average rate on the 30-year fixed at 7.4% for the fourth quarter of this year and 7.5% through all of next year. It previously forecast 6.8% for the fourth quarter and 6.7% for all of next year.
据《房贷新闻日报》报道，周二30年期固定房贷利率的平均水平为7.46%，预计今日还将进一步上升。此前公布的通胀数据超出预期，促使债券收益率随之上涨。
The average rate on the 30-year fixed stood at 7.46% Tuesday, according to Mortgage News Daily, but will likely move higher today. Bond yields are rising after a hotter-than-expected inflation report.
自9月初以来，受通胀持续高企及多重因素引发的债券市场下跌影响，房贷利率呈现急剧攀升态势。美联储也三年来首次上调基准利率。尽管房贷利率并非完全随美联储政策变动，但仍会受央行对未来通胀走势判断的影响。
Mortgage rates have been rising sharply since the start of September, as inflation remains stubbornly high and bond markets sell off due to several factors. The Federal Reserve also raised its benchmark rate for the first time in more than three years. Mortgage rates do not follow the Fed's rate exactly, but they do react to how the central bank sees inflation going forward.
房贷利率走势大致与10年期国债收益率挂钩，而后者受油价上涨及全球经济不确定性影响也持续走高。
Mortgage rates loosely follow the yield on the 10-year Treasury, which has been rising sharply on higher oil prices and growing concerns in the global economy.
CNBC的《房地产投资专栏》由戴安娜·奥利克主持，每周向读者推送房地产投资领域的新机遇与发展动态。
CNBC's Property Play with Diana Olick covers new and evolving opportunities for the real estate investor, delivered weekly to your inbox.
即刻订阅即可获取内容。 当前高利率水平已导致今年秋季房地产市场迅速陷入低迷。据Zillow统计，9月份现有住房的签约量同比下降8.5%。
here to get access today Higher rates have already put the housing market in an early deep freeze this fall. Pending sales, counted by signed contracts on existing homes, were down 8.5% in September year-over-year, according to Zillow.
随着购房成本上升及购买力持续减弱，房贷需求也大幅萎缩。如今不仅具备购房能力的买家数量减少，符合贷款条件的潜在购房者同样大幅降低。针对此次最新预测，房利美暂未对媒体置评。
Mortgage demand continues to drop sharply, as buyers face higher prices and weakening affordability. Not only can fewer buyers now afford a home, but fewer can qualify for a mortgage. Fannie Mae did not respond to requests for comment on its latest forecast.