泛宇財經速報 貸款資訊知曉 7-6-2026

長週末過後，抵押貸款市場現況如下：

收益率緩慢下降，但購屋者仍面臨熟悉的挑戰。

上週四，抵押貸款利率跌至七週以來的最低水準。本周初，隨著國債殖利率再次走低，市場出現了更多正面訊號。

房地美表示，截至7月2日當週，30年期固定利率房貸的平均利率小幅下降至6.43%。週一清晨，作為影響利率的關鍵因素之一的10年期公債殖利率下跌超過一個基點，投資者正等待本週聯準會公開市場委員會（FOMC）最新會議紀要的發布。

聯準會關於最近一次利率決議的討論紀要，或許能提供一些關鍵線索，幫助我們了解決策者如何評估未來的通膨形勢，以及聯準會在未來幾個月更有可能降息還是升息。

本週稍晚也將公佈其他重要的經濟數據，包括每週首次申請失業救濟人數和最新的6月成屋銷售數據。這兩項數據都定於週四發布。

上週，房地美首席經濟學家薩姆·哈特爾表示，30年期抵押貸款利率的最新下降為房地產市場活動可能升溫提供了一個「令人鼓舞的跡象」。

儘管自2月底伊朗戰爭爆發以來籠罩市場的不安情緒在最近幾週有所緩解，但未來仍存在許多潛在風險。

上週公佈的新數據顯示，美國勞動市場6月的表現遠低於預期，上月僅新增5.7萬個就業崗位，而經濟學家先前預測為11.5萬個，儘管失業率有所下降。

同時，關於美加墨協定（USMCA）的未來，也可能出現曠日持久的談判。川普政府選擇不在7月初的最後期限前延長該協定。

過去18個月來，該協定對於緩解美國對北美貿易夥伴加徵關稅的衝擊至關重要。但美國駐加拿大大使皮特·霍克斯特拉（Pete Hoekstra）週五表示，目前沒有任何跡象表明雙方會達成協議來取代或續簽該協議。

儘管近幾週購屋者看到了一些利率下降，但住房負擔能力仍然是全美房地產市場面臨的一大障礙。

根據LendingTree最新發布的報告，美國僅有38%的非自有住房家庭能夠負擔得起一套平均價格為20萬美元的入門級住房——而這些家庭的年收入中位數比購買此類房產所需的年收入少了7000多美元。

在此背景下，抵押貸款申請量基本上保持穩定。抵押貸款銀行家協會（MBA）的每週抵押貸款申請調查顯示，截至6月26日當週，申請量僅小幅增加了0.04%。

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