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总结
美国媒体综合报道显示，尽管按揭利率降至2024年以来较低水平并在近期小幅波动，但截至2025年底，购房与再融资相关的按揭需求（以申请量等指标衡量）仍较前期下降接近10%。报道认为，房价高企、库存偏紧与负担能力不足抵消了利率回落带来的刺激，且利率波动风险与经济前景不确定性使部分家庭延后决策。该趋势可能压制美国住房交易活跃度，并影响贷款机构业务与相关金融市场预期。
正文
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