2026年9月23日 / 美国东部时间上午10:28 / 哥伦比亚广播公司（CBS）新闻
作者：玛丽·坎宁安
玛丽·坎宁安是CBS财经观察栏目的记者。她曾供职于《60分钟》、CBS新闻网和CBS新闻24小时频道，为哥伦比亚广播公司新闻实习项目成员。
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美国抵押贷款银行协会（MBA）的数据显示，上周抵押贷款利率飙升突破7%，达到两年多来的最高水平。
该协会称，截至9月18日当周，30年期固定抵押贷款利率升至7.12%。据这家抵押贷款行业团体的数据，上一次该利率达到这一水平还要追溯到2024年5月。
在房价仍接近历史高位的当下，更高的利率进一步推高了购房者的借贷成本。抵押贷款银行协会高级副总裁兼首席经济学家迈克·弗拉坦托尼在一份声明中表示，随着固定利率持续攀升，越来越多的购房者选择了风险更高的可调利率抵押贷款，这类贷款初始利率较低。
弗拉坦托尼称，5/1可调利率抵押贷款（前五年固定利率，之后根据市场情况调整）的利率比固定利率抵押贷款低1个多百分点。
房地美（Freddie Mac）将于周四发布其30年期固定抵押贷款利率数据。根据房地美的数据，截至9月17日，抵押贷款利率为6.95%。
30年期固定抵押贷款利率通常跟随10年期美国国债收益率变动，近期由于投资者对通胀、政府债务和更高借贷成本感到担忧，10年期国债收益率大幅飙升。
房地产网站Realtor.com高级经济学家杰克·克里梅尔此前告诉CBS新闻，上周美联储宣布将基准利率上调25个基点，这是市场高度预期的举措，部分放贷机构已将该举措计入了抵押贷款利率。
周三，10年期美国国债收益率徘徊在5%左右，自2月底伊朗局势升级以来，该收益率已上涨逾1个百分点。
通常情况下，随着夏季旅游旺季结束，住房市场会进入放缓期。但此次更高的利率可能会进一步抑制市场活跃度，因为购房者需要应对更高的借贷成本。
摩根大通消费者与专项金融研究主管理查德·沙恩在7月的一篇帖子中表示：“尽管潜在购房者的基数仍然庞大，但负担能力挑战和利率波动可能会阻碍贷款发放增长，尤其是在高利率持续的情况下。”
艾米·皮奇编辑
Mortgage rates top 7% for the first time in more than 2 years
September 23, 2026 / 10:28 AM EDT / CBS News
By Mary Cunningham
Mary Cunningham is a reporter for CBS MoneyWatch. She previously worked at “60 Minutes,” CBSNews.com and CBS News 24/7 as part of the CBS News Associate Program.
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Mortgage rates soared past 7% last week, reaching their highest level in more than two years, according to data from the Mortgage Bankers Association.
The 30-year fixed-rate mortgage rose to 7.12% the week ending Sept. 18, the MBA said. It was last that high in May 2024, according to the mortgage industry group.
The higher rates add to buyers’ borrowing costs at a time when housing prices remain near record highs. As fixed rates continued to climb, more buyers opted for riskier adjustable-rate mortgages, which offer a lower initial rate, Mike Fratantoni, senior vice president and chief economist at the MBA, said in a statement.
Rates for 5/1 adjustable-rate mortgages, which offer a fixed interest rate for the first five years before adjusting based on market conditions, were more than 1% lower than fixed-rate mortgages, Fratantoni said.
Freddie Mac will release its own data on the 30-year fixed-rate mortgage on Thursday. Mortgage rates were 6.95% as of Sept. 17, Freddie’s data shows.
The 30-year fixed-rate mortgage tends to follow the 10-year Treasury yield, which has spiked in recent weeks as investors fret over inflation, government debt and higher borrowing costs.
Last week, the Federal Reserve announced it was hiking interest rates by a quarter of a percentage point, a highly anticipated move that some lenders priced into rates, Jake Krimmel, a senior economist at Realtor.com, previously told CBS News.
The 10-year Treasury was hovering around 5% on Wednesday, up more than a percentage point since the war in Iran started in late February.
The housing market normally slows as the summer season winds down. However, higher rates could further stall activity as buyers navigate higher borrowing costs.
“Although the pipeline of potential homebuyers remains large, affordability challenges and rate volatility could stall origination growth, particularly if elevated rates persist,” Richard Shane, head of consumer and specialty finance research at J.P. Morgan, said in a July post.
Edited by Aimee Picchi
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