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总结
据ABC News等报道，美国长期固定抵押贷款平均利率近期降至6.15%，创2025年以来最低水平，为年初购房者和寻求再融资的人群带来一定缓解。利率下行与债券市场收益率回落及市场对未来利率路径的预期变化相关，可能改善购房可负担性、带动看房与成交意愿回升，但住房供给、房价水平等因素仍将共同决定需求释放的持续性。
正文
Average US long-term mortgage rate falls to the lowest level of the year at 6.15% ABC News Mortgage Rates at 2025 Low Give Homebuyers Momentum in New Year Bloomberg.com Mortgage rates hit 2025 low as homebuyers catch a break Fox Business Current refi mortgage rates report for Jan. 1, 2026 Fortune 5 pros predict how mortgage rates will move in January 2026 - and beyond MarketWatch
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