2026年2月27日 / 美国东部时间下午2:35 / CBS新闻
随着抵押贷款利率回落至多年来的最低水平，专家表示，货比三家选择合适的贷款产品可以为首次购房者节省数万美元。
根据房地美（Freddie Mac）的数据，本周美国常规30年期抵押贷款的平均利率降至6%以下，较2025年1月下降了近整整一个百分点，为2022年以来的最低水平。
随着春季购房季临近，更低的利率预计将吸引更多购房者。但专家建议购房者不要轻易敲定，除非他们已经货比三家，因为不同贷款机构的利率可能存在很大差异。在线贷款市场LendingTree的数据显示，最低和最高年百分率（APR）之间的平均差距为0.74个百分点。
我能节省多少？
尽管专家预计今年抵押贷款利率不会大幅下降，预测30年期贷款的利率将维持在6%左右，但他们表示，由于贷款机构之间的竞争，购房者现在可以找到成本更低的贷款产品。
“我们看到贷款机构提供的报价差异越来越大，”NerdWallet的贷款专家凯特·伍德（Kate Wood）告诉CBS新闻，”因此，任何时候，你都绝对应该向多家抵押贷款机构索要利率报价。”
根据LendingTree的数据，30年期贷款的最低平均年百分率为5.82%。该机构计算，与最高平均年百分率6.56%相比，这一较低利率可为借款人在贷款期限内节省近58,000美元，即每年约1,930美元。
LendingTree的首席消费金融分析师马特·舒尔茨（Matt Schulz）表示，若利率为5.82%，相比全国平均水平5.98%，借款人在30年期住房贷款的期限内可节省12,352美元。
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和往常一样，获得低利率取决于个人的信用记录，而影响借贷成本的其他因素包括购房者能为房屋支付的首付金额和贷款期限。
LendingTree的计算基于1月1日至2月26日期间使用其平台的购房者从贷款机构获得的最低平均贷款报价。
舒尔茨告诉CBS新闻，即使购房者不符合更低利率的资格要求，通过比较利率仍然可以受益。”只需利率小幅波动（零点几个百分点），就可能在抵押贷款期限内节省数万美元。”
舒尔茨强调，通过货比三家，购房者可以争取到竞争的贷款报价，这有助于与心仪的贷款机构协商最佳条款。
“抵押贷款中的低利率的重要性再怎么强调都不为过，因为对大多数人来说，这是他们一生中最大的一笔购买，”他说。
编辑：阿兰·舍特（Alain Sherter）
This simple tip can save you tens of thousands of dollars on your mortgage, experts say
February 27, 2026 / 2:35 PM EST / CBS News
As mortgage rates recede to their lowest levels in years, experts say that shopping around for the right loan could save first-time home buyers tens of thousands of dollars.
The average rate for a conventional 30-year mortgage across the U.S.fell this week below 6%, down almost an entire percentage point from January of 2025 and the lowest since 2022, according to data from Freddie Mac.
Better rates are expected to attract more house-hunters as the spring buying season heats up. But experts advise buyers not to settle until they’ve shopped around, noting that rates can vary a lot depending on the lender. The average gap between the lowest and highest APR is 0.74 percentage points, according to LendingTree, an online loan marketplace.
How much can I save?
Although experts don’t expect mortgage rates to decline much further this year, predicting they will hover around 6% for a 30-year loan, they said homebuyers can now find lower-cost loans as lenders compete for business.
“We’re seeing a lot more dispersion with what lenders are quoting,” Kate Wood, a lending expert at NerdWallet, told CBS News. “So at any time, absolutely, you should be requesting rate quotes from multiple mortgage lenders.”
The lowest average APR for a 30-year loan is 5.82%, according to LendingTree. Compared with the highest average APR of 6.56%, that lower rate could save borrowers nearly $58,000 over the life of the loan, or about $1,930 annually, LendingTree calculated.
At 5.82%, versus the national average of 5.98%, a borrower could save $12,352 over the life of a 30-year home loan, according to Matt Schulz, chief consumer finance analyst at LendingTree.
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As usual, securing a low rate hinges on an individual’s credit record, while other factors that can affect borrowing costs include how much a buyer can put down for a home and a loan’s duration.
LendingTree based its calculations on the lowest average loan offers that homebuyers who use its platform received from lenders between January 1 and February 26.
Even if home buyers don’t qualify for a lower rate, they can still benefit by comparing rates, Schulz told CBS News. “It only takes a small fraction of a percent movement to potentially save tens of thousands of dollars over the life of the mortgage.”
Schulz emphasized that by shopping around, buyers can solicit competing loan offers, which can help in negotiating the best terms with their preferred lender.
“It’s hard to overstate the importance of a lower interest rate with a mortgage, just because it is, for most people, the biggest purchase they’ll ever make,” he said.
Edited by Alain Sherter
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