{"id":87758,"date":"2024-07-04T12:40:45","date_gmt":"2024-07-04T04:40:45","guid":{"rendered":"https:\/\/iqiglobal.com\/blog\/?p=87758"},"modified":"2024-07-04T12:40:46","modified_gmt":"2024-07-04T04:40:46","slug":"us-30-years-fixed-rate-mortgage-fall-below-7","status":"publish","type":"post","link":"https:\/\/iqiglobal.com\/blog\/cn\/us-30-years-fixed-rate-mortgage-fall-below-7\/","title":{"rendered":"30\u5e74\u671f\u623f\u8d37\u5229\u7387\u8dcc\u78347% \u7f8e\u56fd\u697c\u5e02\u4f55\u65f6\u8d70\u51fa\u201c\u51b0\u5c01\u201d\uff1f"},"content":{"rendered":"\n

根据美国抵押贷款银行协会（MBA）在6月中发布的数据，30年期固定抵押贷款的合同利率下降8个基点至6.94%，是自今年3月以来首次降至7%以下，而五年期可调整利率抵押贷款利率下跌至6.27%，为2月以来的最低水平。<\/p>\n\n\n\n

但是对比3年前的3%左右的房贷利率相比，如今7%左右的房贷利率和居高不下的房价，依然是“不能承受之重”，美国楼市依旧笼罩着阴霾。<\/p>\n\n\n\n

全球房产科技集团居外IQI联合创始人兼首席执行官卡希夫·安萨里（Kashif Ansari）<\/mark><\/strong>分析称，在二手房供应短缺之际，美国房价仍在继续上涨，高利率至今无法撼动房价。<\/p>\n\n\n

\n
\"美国房价\"<\/figure>\n<\/div>\n\n\n

一方面，置换成本高企让很多有房者惜售，大部分有房者的房贷利率远低于现在的利率，而且还款期可以长达30年，并不急于在高利率下置换。<\/p>\n\n\n\n

另一方面，在高利率和高房价双重压力下，很多购房者处于观望状态，选择了租房，等待按揭利率降到可承受范围内。<\/p>\n\n\n\n

在他看来，目前美国经济仍具韧性，失业率处在相对低位，劳工时薪高企，移民不断涌入，楼市需求仍在，这也是美国房产成为亚太跨境房产投资者热门市场的原因。<\/p>\n\n\n\n

如果未来按揭利率大幅下降，此前观望的众多买家出手，房价可能再度攀升。<\/p>\n\n\n\n

阅读全文-<\/a><\/mark><\/strong>
《21世纪经济》<\/a>、《凤凰新闻》<\/a>、《网易》<\/a>、《东方财富证券》<\/a>、《证券时报网》<\/a>、《新浪财经》<\/a>、《证券之星》<\/a>、《百度》<\/a>、《地产财经网》<\/a>、《同花顺财经》<\/a><\/mark><\/strong><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

想知道更多？
IQI中文部落格，一键轻松得知房地产大小事！<\/mark><\/strong><\/h4>\n\n\n\n
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点此浏览<\/mark><\/strong><\/a><\/div>\n<\/div>\n<\/body><\/html>\n","protected":false},"excerpt":{"rendered":"

根据美国抵押贷款银行协会（MBA）在6月中发布的数据，30年期固定抵押贷款的合同利率下降8个基点至6.94%，是自今年3月以来首次降至7%以下，而五年期可调整利率抵押贷款利率下跌至6.27%，为2月以来的最低水平。 但是对比3年前的3%左右的房贷利率相比，如今7%左右的房贷利率和居高不下的房价，依然是“不能承受之重”，美国楼市依旧笼罩着阴霾。 全球房产科技集团居外IQI联合创始人兼首席执行官卡希夫·安萨里（Kashif Ansari）分析称，在二手房供应短缺之际，美国房价仍在继续上涨，高利率至今无法撼动房价。 一方面，置换成本高企让很多有房者惜售，大部分有房者的房贷利率远低于现在的利率，而且还款期可以长达30年，并不急于在高利率下置换。 另一方面，在高利率和高房价双重压力下，很多购房者处于观望状态，选择了租房，等待按揭利率降到可承受范围内。 在他看来，目前美国经济仍具韧性，失业率处在相对低位，劳工时薪高企，移民不断涌入，楼市需求仍在，这也是美国房产成为亚太跨境房产投资者热门市场的原因。 如果未来按揭利率大幅下降，此前观望的众多买家出手，房价可能再度攀升。 阅读全文-《21世纪经济》、《凤凰新闻》、《网易》、《东方财富证券》、《证券时报网》、《新浪财经》、《证券之星》、《百度》、《地产财经网》、《同花顺财经》 想知道更多？IQI中文部落格，一键轻松得知房地产大小事！<\/p>\n","protected":false},"author":24,"featured_media":87761,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"content-type":"","postBodyCss":"","postBodyMargin":[],"postBodyPadding":[],"postBodyBackground":{"backgroundType":"classic","gradient":""},"footnotes":""},"categories":[261],"tags":[5220,257,5146,9604,5150,5276],"class_list":{"0":"post-87758","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","6":"hentry","7":"category-261","8":"tag-kashif-ansari-zh","9":"tag-press-cn","10":"tag--cn","11":"tag-juwai-iqi-cn","13":"tag-5276"},"yoast_head":"\n30\u5e74\u671f\u623f\u8d37\u5229\u7387\u8dcc\u78347% \u7f8e\u56fd\u697c\u5e02\u4f55\u65f6\u8d70\u51fa\u201c\u51b0\u5c01\u201d\uff1f<\/title>\n<meta name=\"description\" content=\"\u7f8e\u56fd30\u5e74\u671f\u56fa\u5b9a\u62b5\u62bc\u8d37\u6b3e\u5229\u7387 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