对于寻求再融资的房主而言，15年期固定利率贷款的平均利率从上周的6%上升至6.13%，同样创下七月以来的最高水平。而去年同期，这一利率为5.89%。This week, mortgage rates in the USA rose to the highest level since July of last year.
According to Zhito Finance APP, this week, mortgage rates in the USA rose to the highest level since last July. Data from Freddie Mac shows that the average interest rate for a benchmark 30-year fixed mortgage increased from 6.85% last week to 6.91%. In contrast, the rate was 6.62% during the same period last year.
The rising cost of mortgages primarily reflects the increase in Bonds yields, as lending institutions typically use Bonds yields as a reference for pricing mortgages. At the same time, housing prices have also continued to rise steadily.
For homeowners seeking Refinancing, the average rate for a 15-year fixed mortgage rose from 6% last week to 6.13%, also reaching the highest level since July. Last year, this interest rate was 5.89%.
The continued rise in rates is closely related to the Monetary Policy of the Federal Reserve. Last month, the Federal Reserve indicated that it expects to raise the benchmark rate only twice this year, down from the four times expected last September. Nevertheless, inflation remains stubbornly above the Federal Reserve's target of 2%.
Additionally, economists are concerned that Trump's economic policies, particularly plans to significantly raise import tariffs, may further drive up inflation. These factors together have contributed to the rise in mortgage rates, placing greater financial pressure on homebuyers.
