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总结
多家美媒报道，随着国债收益率回落及市场对通胀和美联储政策路径的预期调整，美国按揭贷款利率在2025年末降至年内最低水平，并保持相对平稳。利率下行给购房者和再融资借款人带来阶段性喘息，可能对疲弱的住房成交形成支撑，但房价与首付压力仍使可负担性受限，后续走势取决于通胀数据与货币政策信号。
正文
Mortgage rates fall to their lowest level in 2025 CBS News Mortgage rates hit 2025 low as homebuyers catch a break Fox Business Mortgage rates end 2025 at fresh low, giving buyers an 'encouraging sign' into new year Yahoo Finance Current refi mortgage rates report for Dec. 30, 2025 Fortune Mortgage Rates Staying Steady to Close Out 2025 Mortgage News Daily
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