2026年7月30日 / 美国东部时间下午3:18 / 哥伦比亚广播公司（CBS）新闻
美国抵押贷款利率周四升至一年来最高位，因中东局势再度紧张以及美联储本周的利率决议加剧了通胀担忧。
根据房地美（Freddie Mac）的数据，截至7月30日当周，常规30年期抵押贷款平均利率为6.66%，为2025年7月以来的最高水平。
通胀会推高抵押贷款利率，而抵押贷款利率通常跟随债券市场走势，尤其是10年期美国国债收益率。美联储周三维持基准利率不变后，这些国债收益率大幅攀升。
尽管做出了这一决议，美联储负责制定利率的委员会中有三名成员投票支持加息，这加剧了人们对美联储最终可能加息的担忧。投资者也似乎对美联储主席凯文·沃什将利率上调以抑制消费者价格上涨的承诺提出质疑。
周四公布的新政府数据显示，美联储青睐的通胀指标在6月有所放缓，这是一个乐观迹象，但通胀仍顽固高于美联储设定的2%年度目标。
“目前尚不清楚美联储官员是否会、以及何时会上调联邦基金利率，但市场对通胀不受控制地蔓延存在诸多担忧，”个人理财网站NerdWallet的贷款专家凯特·伍德在发给CBS新闻的电子邮件中表示。“再加上伊朗局势的影响，我们看到美国国债收益率大幅飙升，抵押贷款利率也随之被推高。”
未来会加息吗？
德意志银行预计美联储今年将两次加息，总计0.50个百分点，这将使联邦基金利率升至4%至4.25%之间。
由于中东地区的战事可能加剧通胀，该地区的航运中断推高了石油和燃料价格，抵押贷款利率也在持续走高。
“由于石油仍是伊朗冲突推高通胀的主要渠道，局势降级以及霍尔木兹海峡重新开放仍是回到低利率水平的最明确途径，”房地产网站Realtor.com的高级经济学家安东尼·史密斯在一份分析报告中表示。
随着伊朗和美国持续互相发动空袭，达成和平协议的希望已经破灭。周三，无人机袭击在埃及地中海沿岸的达米埃塔港口导致两艘天然气船只起火，此次冲突似乎蔓延至埃及。
Mortgage rates hit highest level in a year amid persistent inflation fears
July 30, 2026 / 3:18 PM EDT / CBS News
Mortgage rates in the U.S. hit their highest level in a year on Thursday as renewed tensions in the Middle East and the Federal Reserve’s interest rate decision this week fanned inflation concerns.
The rate on a conventional 30-year mortgage averaged 6.66% in the week ending July 30, the highest level since July 2025, according to data from Freddie Mac.
Inflation can drive up mortgage rates, which tend to track the bond market, particularly the 10-year Treasury yield. Those yields jumped after the Fed on Wednesday left its benchmark interest rate unchanged.
Despite that decision, three members of the central bank’s rate-setting panel voted for a rate hike, fueling concerns that the Fed could eventually raise rates. Investors also appeared to question Federal Reserve Chairman Kevin Warsh’s commitment to raising interest rates to bring consumer prices under control.
New government data released on Thursday shows the Fed’s preferred measure of inflation slowed in June, a hopeful sign, although inflation remains stubbornly above the central bank’s 2% annual target.
“While it’s unclear if or when the central bankers might raise the funds rate, there’s plenty of concern that inflation’s running unchecked,” Kate Wood, a lending expert at NerdWallet, told CBS News in an email. “Between that and Iran, we’re seeing Treasury yields surge, and mortgage rates are being dragged up along with them.”
Rate hikes ahead?
Deutsche Bank expects the Fed to raise rates twice this year by a total of 0.50 percentage points, which would bring the federal funds rate to between 4% and 4.25%.
Mortgage rates are also drifting higher amid concerns that fighting in the Middle East could accelerate inflation, as shipping disruptions in the region push up oil and fuel prices.
“Because oil remains the primary channel through which the Iran conflict feeds inflation, a de-escalation and a reopening of the Strait of Hormuz remain the clearest path back toward lower rates,” Realtor.com senior economist Anthony Smith said in an analysis.
Hopes for a peace deal have unraveled as Iran and the U.S. continue to exchange strikes. The conflict appeared to expand to Egypt on Wednesday after drone strikes caused two natural gas vessels to catch fire in Egypt’s Mediterranean port of Damietta.
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