抵押贷款巨头房地美（Freddie Mac）周四表示，基准的30年期固定利率住房贷款平均利率从上周的2.67％降至创纪录的低2.66％。一年前为3.74％
在寻求为抵押贷款再融资的房主中，受欢迎的15年期固定利率贷款的平均利率从2.21％降至2.19％。一年前是3.19％。
本周的5年浮动利率抵押贷款保持不变，为2.79％。一年前是3.45％。
在最低房价的推动下，住房市场一直是被冠状病毒爆发冲击的经济体的动力来源。美联储已将其控制的利率推至零，以帮助经济从春季停摆中反弹。
但是由于市场上缺少房屋，房屋销售停滞了。美国商务部周三报告说，新的单户住宅销售从10月到11月下降了11％，尽管购买量仍比一年前增长了近21％。
Freddie Mac首席经济学家山姆·哈特（Sam Khater）说：“进入2021年，我们预计利率将保持稳定，但近期的关键驱动因素将是COVID-19大流行的轨迹和疫苗的实施。”
Mortgage giant Freddie Mac said Thursday that the average rate on the benchmark 30-year fixed-rate home loan slipped to a record low 2.66% from 2.67% last week. A year ago, it stood at 3.74%
The average rate on 15-year fixed-rate loans, popular among homeowners seeking to refinance their mortgages, dipped to 2.19% from 2.21%. A year ago, it was 3.19%.
The 5-year adjustable rate mortgage was unchanged this week at 2.79%. A year ago, it was at 3.45%.
Helped by rock-bottom rates, the housing market has been a source of strength in an economy pounded by the coronavirus outbreak. The Federal Reserve has pushed the interest rate it controls to zero in an effort to help the economy rebound from a springtime shutdown.
But home sales have been stalled by a lack of homes on the market. On Wednesday, the Commerce Department reported that sales of new single-family homes sank 11% from October to November, though purchases remain up nearly 21% from a year ago.
“Moving into 2021, we expect rates to hold steady but the key driver in the near term will be the trajectory of the COVID-19 pandemic and the execution of the vaccine," said Freddie Mac chief economist Sam Khater.
