泛宇財經速報 貸款資訊知曉 12-23-2025

隨著房價成長放緩，購屋者議價能力增強，但購屋負擔能力問題仍存在

美國房價在11月小幅上漲，但年漲幅為2012年以來最低，凸顯出市場供需雙雙萎縮，房貸專業人士面臨的是貸款業務量減少，而非明顯的市場調整。

根據Redfin最新的房價指數，經季節性調整後，11月全美房價季增0.2%，略低於10月的0.3%。年比來看，房價上漲2.6%，低於10月的2.9%。

報告指出，“自年初以來，房價增速一直在放緩；11月份的同比漲幅是自2012年有記錄以來的最低水平。”

市場轉向購屋者，而非低價買屋者

Redfin認為，儘管購屋負擔能力依然緊張，但目前的市場環境對購屋者來說仍然是難得的機會。

「隨著冬季臨近，房價漲幅有所放緩，但價格仍在上漲，而且對許多購屋者來說仍然過高，」Redfin經濟研究主管陳鑷表示。

「儘管如此，我們仍處於十年來最強勁的買方市場；即使房價居高不下，買家仍有機會與賣家談判並獲得一些優惠。另一個利好消息是：我們預計2026年工資增長速度將超過房價增長速度，這將提高購房能力，並可能使房地產市場降溫。”

該報告將房價成長放緩歸因於「許多潛在購屋者」在抵押貸款利率高企和整體經濟不確定性加劇的情況下選擇觀望，同時許多潛在賣家也推遲了掛牌出售，從而阻止了房價的全面下跌。

房價成長的區域贏家與輸家

Redfin分析的47個大型都會區中，有11個地區的房價每月下跌。跌幅最大的城市是北卡羅來納州夏洛特（-0.9%）、德州奧斯汀（-0.6%）和辛辛那提（-0.6%）。匹茲堡（2.3%）、賓州蒙哥馬利縣（1.6%）和芝加哥（1.3%）的月度漲幅最大。

年比來看，芝加哥（11%）、匹茲堡（10.1%）和紐約（9.5%）的房價漲幅最大，而奧斯汀（-3.8%）、達拉斯（-2.8%）和奧克蘭（-2.5%）的跌幅最大。

2025年不會以市場崩盤告終，而是會迎來一個成長放緩、更具可比性的市場，屆時，本地房價走勢和借款人收入成長比全國平均更為重要。

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