根据房利美（Freddie Mac）的数据，美国30年期固定抵押贷款利率已上升至6.49% [1]。该数值较上周的6.43%有所上涨，并接近6.5%的心理关口 [1]。与此同时，15年期固定抵押贷款利率也升至5.82%，高于前一周的5.79% [1]。
此次利率上调增加了潜在购房者的借贷成本，削弱了其购买力，并对今年的房屋销售产生了负面影响 [1]。房贷利率的走势通常跟随10年期国债收益率变化 [1]。此外，这些利率水平受到美联储货币政策以及债券市场投资者对经济前景和通胀预期影响的制约 [1]。
According to data from Freddie Mac, the average interest rate on a new 30-year fixed-rate mortgage in the United States rose to 6.49% [1]. This figure represents an increase from last week's rate of 6.43% and brings the cost closer to the psychological threshold of 6.5% [1]. The corresponding average for a 15-year fixed-rate loan also climbed, reaching 5.82%, up from 5.79% the previous week [1].
The rise in mortgage rates has increased borrowing costs for potential homebuyers and weakened their purchasing power [1]. Consequently, these higher interest rates are expected to have a negative impact on housing sales this year [1]. Mortgage rate trends generally follow yields on the 10-year Treasury note [1], while current levels remain influenced by Federal Reserve monetary policy as well as investor expectations regarding economic conditions and inflation in the bond market [1].