
美国住房金融机构房地美公布数据显示,美国30年期固定抵押贷款平均利率升至7.4%,为2023年11月16日以来最高值。利率已连续7周上涨,受美联储加息及伊朗战事影响,购房月供较年内低点增加376美元,购房者购买力削弱,抵押贷款申请量连续5周下降。
AI-generated summary
美国房贷利率受美联储联邦基金利率和美国10年期国债收益率影响。自美联储9月16日加息以来,房贷利率连续攀升。今年2月26日曾降至5.98%的三年低点,后因伊朗战事影响转为上升趋势。
中新社华盛顿10月8日电 (记者 沙晗汀)美国住房金融机构房地美(Freddie Mac)当地时间8日公布数据显示,美国30年期固定抵押贷款平均利率升至7.4%,是自2023年11月16日以来的最高值。
数据显示,美国30年期固定抵押贷款平均利率当天升至7.4%,该数据已连续7周上涨。一周前该数据为7.28%,一年前该数据为6.3%。
美国房贷利率受美联储联邦基金利率和美国10年期国债收益率等因素影响。自美联储9月16日加息以来,房贷利率连续攀升。美国10年期国债收益率8日升至5.29%,远高于伊朗战事发生前3.97%的数值。
今年以来,美国30年期固定抵押贷款平均利率2月26日曾降至三年来最低值5.98%,之后受伊朗战事影响连续数月整体呈上升趋势。
据美联社测算,假设购房者购买价格40万美元的房子。当前30年期房贷利率7.4%较今年最低值5.98%高出1.42个百分点,转化为月供即每月多出376美元。
美媒认为,房贷利率的上升削弱潜在购房者的购买力,让更多潜在购房者选择观望,房地产市场的低迷状态还将持续。
据抵押贷款银行家协会(Mortgage Bankers Association)7日公布数据显示,截至10月2日的一周抵押贷款申请量(包括购房贷款或现有抵押贷款再融资)较此前一周减少4.2%。该数据已经连续5周下降。(完)
AI outlook — possibilities, not facts
若美联储维持高利率政策,房贷利率可能在短期内继续保持高位或进一步上升
Likely · Within weeks
房地产市场低迷状态可能在未来几周持续
Possible · Within weeks

Lawmakers and engineering sector leaders urged Hong Kong to review its building inspection mechanism and create a blacklist for errant contractors after CK Asset Holdings' Anderson Road starter homes project revealed significant deviations in steel reinforcement, prompting approval to tear down and rebuild three of six blocks.

In the third quarter of 2026, Taiwan's CCIM Commercial Real Estate Investment Confidence Index reached 105.71 points, an increase of 1.24 points from the previous quarter, and remained above 100 points continuously. The overall economic environment index reached 118.57 points, and the office market index reached 117.86 points, which were the highest and the largest increase among various indicators. The land development index was 107.14 points, with the northern region leading the way and the central region being the only rising area. The store market index was 79.29 points and the hotel market index was 91.07 points. The central bank maintained the discount rate at 2% and raised the maximum interest rate for second home purchase loans for natural persons to 70%.

The central bank announced on September 17 that it would increase the maximum percentage of loans for second-home purchases by natural persons from 60% to 70% starting from September 18. However, the latest credit data from the five major banks show that the proportion of mortgage loans in lending continues to decline, and capital expenditure loans have surpassed mortgage loans, indicating that bank fund demand has shifted to diverse fields such as corporate investment and turnover, and the loosening of mortgage loans has not brought funds back to the housing market.

The transaction volume of Taiwan's commercial real estate market in the first eight months of 2026 reached 187.4 billion yuan, an annual increase of 91%, with owner-occupied buyers accounting for 82%. The transaction value of factory buildings was 139.4 billion yuan, reflecting the investment demand of the semiconductor industry. Life insurance funds returned to deploy high-quality commercial assets. The office market confidence index rose to 117.86 points, but the store and hotel markets are still below the neutral benchmark.

The Ministry of the Interior announced urban renewal subsidy instructions on August 1, providing subsidies of up to 11 million yuan for autonomous urban renewal communities. An additional 1 million yuan will be added to the initial promotion funds, and the subsequent planning subsidy will be increased to 10 million yuan, aiming to assist residents in integrating and lower the professional planning threshold.

CK Asset will demolish three of six residential towers at its Anderson Road project in Hong Kong following a scandal involving substandard steel reinforcement. The Buildings Department approved the reconstruction, while remedial work continues on the remaining three blocks.