今天公布的最新月度数据显示，9月份快速上涨的抵押贷款利率对房地产市场造成了严重冲击。
Fast-rising mortgage rates in September took a harsh toll on the housing market, according to new monthly data released today.
美国全国地产经纪商协会的数据显示，成屋签约销售指数环比下降7.3%，同比下降11.3%。该指数衡量的是成屋已签订合同的数量。
Pending home sales, a measure of signed contracts on existing homes, dropped 7.3% from August and were down 11.3% year-over-year, according to the National Association of Realtors. This count reflects buyers out shopping in September, when the average rate on the 30-year fixed mortgage rose sharply.
这一数据反映的是9月份外出看房的买家情况，当月30年期固定抵押贷款的平均利率大幅上升。据Mortgage News Daily的数据，该利率在9月初约为6.8%，到月底触及7.6%。
It started the month around 6.8% and hit 7.6% by the end of the month, according to Mortgage News Daily. "Although job growth and income gains can support home purchases, housing affordability is more affected by changes in mortgage rates," said Lawrence Yun, NAR's chief economist in a release.
该协会首席经济学家Lawrence Yun在新闻稿中表示：“尽管就业增长和收入增加可以支撑购房，但住房可负担性更多地受到抵押贷款利率变化的影响。”
Regionally, sales dropped across the nation but the biggest month-to-month drops were in the South (-8.2%) and West (-9.2%).
从地区来看，全美各地销售均出现下滑，但环比降幅最大的是南部（-8.2%）和西部（-9.2%）。南部通常是交易最活跃的市场，西部则是房价最贵的地区。
The South is usually the most active market and the West is the most expensive. CNBC's Property Play with Diana Olick covers new and evolving opportunities for the real estate investor, delivered weekly to your inbox.
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here to get access today. Home construction also took a hit in September.
9月份房屋建设也受到打击。独栋住宅开工量和建筑许可的降幅均远超分析师预期。美国人口普查局的数据显示，开工量下降4.56%，折合成年率为85.9万套。这是自2025年9月以来的最低水平。建筑许可衡量的是未来的建设情况，当月下降了4%。
Both single-family housing starts and building permits fell much more sharply than analysts had predicted. Starts were down 4.56% to 859,000 annualized, according to the U.S. Census. That is the lowest level since September 2025. Building permits, which are a measure of future construction, fell 4% for the month. "We expect home construction activity to remain moribund into 2027," said Ben Ayers, senior economist at Nationwide Financial in a note to investors.
“我们预计住宅建筑活动将在2027年之前持续低迷，”Nationwide Financial高级经济学家本·艾尔斯在一份致投资者的报告中表示。“许多建筑商仍在试图处置当前项目，广泛采用的价格折扣和优惠措施正在侵蚀利润空间。随着市场适应高利率环境，明年大部分时间里，住宅开工量，尤其是独栋住宅开工量，可能保持低位——这将因住宅建筑减少而对经济增长造成适度拖累。”
"Many builders are still trying to unload current projects with widespread use of price cuts and incentives cutting into profit margins. Housing starts, especially for single-family homes, could be low for much of the next year as the market adjusts to a higher rate environment – adding a modest drag to economic growth from reduced residential construction."
据美国房屋建筑商协会称，周二公布的10月房屋建筑商信心指数读数创下14年来最低水平。当前销售、未来销售预期和购房者到访量均有所下降，其中购房者到访量跌至最低水平。
An October read on homebuilder sentiment Tuesday came in at the lowest level in 14 years, according to the National Association of Home Builders. Current sales, future sales expectations and buyer traffic all fell, with the latter seeing the lowest level.
“住房市场仍受供给侧限制和显著的可负担性挑战所挤压，”美国房屋建筑商协会首席经济学家罗伯特·迪茨在一份声明中表示。“需求依然存在，但更高的抵押贷款利率、居高不下的建筑成本以及消费者信心疲软，正让更多购房者观望。”
"Housing remains squeezed by supply-side constraints and significant affordability challenges," said Robert Dietz, NAHB's chief economist in a release. "Demand persists, but higher mortgage rates, elevated construction costs and weaker consumer confidence are keeping more buyers on the sidelines."