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总结
多家美国媒体在2026年1月初的房贷利率追踪中指出，按揭与再融资利率降至自2024年以来的相对低位，给购房者与存量借款人带来阶段性喘息。报道普遍将下行原因归结为市场对美联储在2026年可能进一步降息的预期升温、通胀回落与经济放缓信号推动长期国债收益率走低，从而拉低与其联动的抵押贷款定价。利率回落可能带动再融资与成交回暖，但在房价与供给约束下，整体负担能力改善仍有限。
正文
Why are mortgage rates at their lowest level since 2024? ABC News Current refi mortgage rates report for Jan. 1, 2026 Fortune Mortgage rates hit 2025 low as homebuyers catch a break Fox Business Fed rate cuts and mortgage interest rates: What buyers can expect in 2026, according to experts CBS News Will Mortgage Rates Finally Fall in 2026? Here's What the Latest Forecasts Show Investopedia
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