抵押贷款利率最新动态 - 长期和短期抵押贷款利率呈现相反走势，30年期利率降至6.36%，下降11个基点，而15年期利率微升至5.69%，上升3个基点 [1] - 当前购房贷款具体利率为：30年期固定6.36%，20年期固定5.90%，15年期固定5.69%，5/1可调利率6.56%，7/1可调利率6.41% [4] - 当前再融资贷款具体利率为：30年期固定6.55%，20年期固定6.17%，15年期固定5.86%，5/1可调利率6.92%，7/1可调利率7.02% [4] 不同贷款产品比较 - 15年期抵押贷款利率通常低于30年期，但月供更高，以40万美元贷款为例，30年期利率6.36%月供约1,993美元，总利息397,568美元；15年期利率5.69%月供约3,309美元，总利息195,585美元 [6][7] - 固定利率抵押贷款在整个期限内利率锁定不变，而可调利率抵押贷款在初始固定期（如7/1 ARM的前7年）后，利率会根据经济状况和合同条款每年调整 [9][10] - 再融资利率通常高于购房贷款利率 [2] 利率趋势展望 - 经济学家预计在2025年底之前抵押贷款利率不会出现大幅下降 [11][15] - 美联储在2024年进行多次降息，包括9月18日降息50个基点，11月和12月各降息25个基点，并于2025年9月17日首次降息25个基点 [12][13] - 市场预测美联储在10月29日会议上有近90%的可能性再次降息25个基点，但其他金融因素可能使抵押贷款利率保持基本稳定 [13][15] - 2026年抵押贷款利率可能小幅走低，但具体幅度将取决于经济、通胀和美联储政策 [16]

Most mortgage rates have ticked up since the Sept. 17 Federal Reserve meeting. According to Zillow, the average 30-year fixed mortgage rate has increased by 34 basis points since Sept. 16, now sitting at 6.47%. This is because it's common for mortgage rates to decrease in anticipation of a Fed rate cut, but they don't necessarily keep falling afterward. The mid-6% range could be the new normal, at least for the foreseeable future. Economists don't predict that mortgage rates will fall drastically before t ...

Some mortgage interest rates have increased today, while others have decreased. Regardless, most of the shifts are minor. According to Zillow, the average 30-year fixed mortgage rate is up four basis points to 6.47%, but the 15-year fixed rate has inched down three basis points to 5.66%. Read more: The best mortgage lenders for first-time buyers Today's mortgage rates Here are the current mortgage rates, according to the latest Zillow data: 30-year fixed: 6.47% 20-year fixed: 6.10% 15-year fixed: 5 ...

Mortgage rates lost downward momentum this week. According to Freddie Mac, the national average 30-year rate ticked higher by four basis points to 6.30%. The 15-year fixed mortgage rate rose eight basis points to 5.49%. For those following the 10-year Treasury yield, the bounce following the Federal Reserve's first rate cut of the year was not a surprise. Yields have risen since last Tuesday's close from 4.02% to yesterday's close of 4.17%. Still, purchase and refinance applications were higher for the we ...

Mortgage rates are sorting out the Fed rate cut. According to Zillow, the current 30-year fixed mortgage rate is 6.32%. The 15-year fixed rate is 5.70%. If you can get a similar rate from a lender, this might be a good time to buy a house and lock in a relatively low rate. "This ongoing gap between market and Fed expectations means that some risk of upward pressure on mortgage rates remains, but for now, consumers have already benefited from the drop in mortgage rates that has brought mortgage rates below ...

抵押贷款利率变动 - 30年期固定抵押贷款利率小幅下降至6.32% 15年期固定抵押贷款利率微升至5.70% [1] - 5/1可调利率抵押贷款(ARM)利率为6.84% 7/1可调利率抵押贷款(ARM)利率为6.92% [4] - 30年期VA贷款利率为5.83% 15年期VA贷款利率为5.36% [4] 再融资利率水平 - 30年期固定再融资利率为6.46% 高于购房贷款利率水平 [5] - 20年期固定再融资利率为5.72% 15年期固定再融资利率为5.73% [5] - 5/1可调利率再融资利率为7.18% 7/1可调利率再融资利率为7.40% [5] 贷款期限比较分析 - 30年期抵押贷款通过360个月分摊还款 月供金额低于短期贷款 [7] - 15年期抵押贷款利率较30年期低 但月供金额更高 因还款时间缩短一半 [8] - 30万美元贷款30年期6.32%利率月供2,481美元 总利息493,199美元 15年期5.70%利率月供3,311美元 总利息195,969美元 [9] 利率类型特征 - 固定利率抵押贷款在整个贷款期限内利率锁定不变 [10] - 可调利率抵押贷款在预定期限内利率不变 之后根据经济状况和合同约定进行调整 [11] - 可调利率通常起始低于固定利率 但初始锁定期结束后可能上升 [12] 获取优惠利率条件 - 首付比例较高 信用评分优秀 债务收入比较低的借款人通常获得最低抵押贷款利率 [12] - 提高信用评分 增加储蓄 减少债务是降低利率的有效方式 [13] - 比较贷款机构时应关注抵押贷款年百分率(APR) 包含利率、折扣点和费用 [15] 利率趋势展望 - 抵押贷款利率预计不会在近期大幅下降 可能偶尔小幅下行 [17] - 劳动力市场数据疲软或通胀受控迹象更明显才能推动10年期收益率走低 从而使抵押贷款利率实质性下降 [2]

It's a different story on two loan terms. According to Zillow, the 30-year mortgage rate moved lower by seven basis points to 6.32%, while the 15-year rate is up 12 basis points to 5.70%. "The current environment is opening refinancing opportunities for households that purchased at early highs, offering some affordability relief," Realtor.com senior economist Jiayi Xu said in a statement. Read more: The best mortgage lenders for first-time buyers Today's mortgage rates Here are the current mortgage r ...

Mortgage rates fell for yet another week. According to Freddie Mac, the 30-year fixed-rate and 15-year fixed-rate mortgages dropped nine basis points to 6.26% and 5.41%, respectively. The share of mortgage applications attributed to refinances reached nearly 60%, the highest since January 2022. However, these rates were collected prior to the Fed quarter-point rate cut that was announced yesterday. The "Fed effect" won't truly be measured for another week. Whether that's lower — or higher — mortgage rat ...

抵押贷款利率变动 - 30年期固定抵押贷款利率下降3个基点至6.13% 15年期下降5个基点至5.41% [1] - 抵押贷款利率下降源于市场对美联储降息的预期 [1][15] - 当前全国平均30年期抵押贷款利率为6.13% 但地区差异显著 高成本生活城市利率可能更高 [14] 不同类型抵押贷款产品特性 - 30年期固定抵押贷款月供较低且可预测 但长期利息成本较高 [7][8][9] - 15年期固定抵押贷款利率较低 可节省数十万美元利息 但月供金额较高 [10][11] - 可调整利率抵押贷款(ARM)初始利率通常低于30年期固定利率 但后期存在利率上浮风险 [11][12] 抵押贷款计算工具应用 - 抵押贷款计算器可模拟不同利率与贷款金额对月供的影响 包含保险与税费变量 [3][6] - 退伍军人贷款(VA)利率低于常规贷款 30年期VA利率为5.73% 15年期为5.22% [4] - 再融资利率普遍高于购房贷款利率 但通过缩短贷款期限可获得更低利率 [2][17] 利率趋势与市场预期 - 抵押贷款利率本月呈下降趋势 但较去年同期仍微幅上升 [16] - 美联储降息对抵押贷款利率影响有限 预计未来数月将维持窄幅波动 [15] - 5/1 ARM当前平均利率为6.66% 7/1 ARM为6.62% 均高于固定利率产品 [4][5]

当前抵押贷款利率水平 - 30年期固定抵押贷款利率为6.28% [1][4][7] - 15年期固定抵押贷款利率为5.49% [1][4][9] - 5/1可调利率抵押贷款(ARM)利率为6.58% [4][17] 抵押贷款再融资利率 - 30年期固定再融资利率为6.10% [5] - 15年期固定再融资利率为5.40% [5] - 5/1可调利率再融资利率为6.22% [5] 不同贷款期限对比分析 - 30年期贷款月供较低但总利息成本高 30万美元贷款月供1,853美元 总利息367,083美元 [8] - 15年期贷款月供较高但总利息成本低 30万美元贷款月供2,450美元 总利息140,939美元 [10] - 可调利率抵押贷款初始利率通常低于固定利率但存在后期上升风险 [12] 利率获取策略 - 提高首付比例、优化信用评分和降低债务收入比有助于获得更低利率 [14] - 通过折扣点购买可永久降低利率 例如2-1购买下调可使首年利率降至4.5% [15] - 需要评估利率购买成本与长期节省的平衡关系 [16] 市场利率趋势预期 - 抵押贷款利率近期有所下降 但2025年预计不会大幅下降 [19] - 美联储利率政策变化可能对抵押贷款利率产生反向影响 [1] - 利率水平存在地区差异 全国平均利率为6.28% [18]