近日美國(guó)30年期房貸平均利率達(dá)到了6.02%，創(chuàng)下了2008年金融危機(jī)以來(lái)的最高水平。與此同時(shí)，由于住房供應(yīng)不足，房?jī)r(jià)還在繼續(xù)攀升，這將使更多美國(guó)家庭“望房興嘆”。

The cost of a typical mortgage in the US has hit its highest level since the 2008 financial crisis as the country battles to rein in soaring prices.

美國(guó)在努力遏制物價(jià)飛漲之時(shí)，房貸利率卻創(chuàng)下了2008年金融危機(jī)以來(lái)的最高水平。

The average interest rate on a 30-year mortgage hit 6.02% last week, more than double what it was a year ago.

上周美國(guó)30年期房貸平均利率達(dá)到了6.02%，比一年前增長(zhǎng)了一倍多。

For families hoping to buy a home, the moves compound affordability problems.

對(duì)于想要買(mǎi)房的家庭而言，房貸利率的上漲讓他們更加買(mǎi)不起房。

The rise comes as the US central bank aggressively raises rates in an effort to reduce the pressures driving up inflation across the economy.

此前為了緩解全美經(jīng)濟(jì)面臨的通脹壓力，美聯(lián)儲(chǔ)曾大幅加息。

US consumer prices rose by 8.3% in the year to August, the fastest rate in almost 40 years, the Labor Department said last week.

美國(guó)勞工部上周稱，8月美國(guó)消費(fèi)者價(jià)格同比上漲8.3%，漲幅創(chuàng)下近40年來(lái)之最。

The figure was higher than expected, raising expectations that the Federal Reserve will continue to raise interest rates aggressively. Mortgage rates have spiked in anticipation of the moves.

高于預(yù)期的數(shù)據(jù)促使人們認(rèn)為美聯(lián)儲(chǔ)會(huì)繼續(xù)大幅加息，房貸利率也應(yīng)風(fēng)上漲。

"Rates continued to rise alongside hotter-than-expected inflation numbers this week, exceeding 6% for the first time since late 2008," said Sam Khater, chief economist at Freddie Mac, the government-sponsored mortgage firm that released the interest rate data.

發(fā)布這一利率數(shù)據(jù)的是政府贊助的住宅貸款抵押公司房地美，該公司的首席經(jīng)濟(jì)學(xué)家山姆·卡特指出：“在通脹火熱程度超出預(yù)期的同時(shí)，房貸利率繼續(xù)上漲，自從2008年底以來(lái)首次突破6%。”

By raising borrowing costs, policymakers are hoping to lower demand from businesses and households, thereby reducing the pressures pushing up prices.

通過(guò)提高貸款成本，決策者希望能降低企業(yè)和家庭的貸款需求，從而緩解物價(jià)上漲的壓力。

But in the housing market, while higher rates have slowed sales, property prices continue to climb.

但是在房地產(chǎn)市場(chǎng)，盡管更高的利率減緩了成交速度，但是房?jī)r(jià)還是繼續(xù)攀升。

The cost of a typical home in the US was more than $400,000 (￡348,000) in July, up more than 10% from a year earlier.

7月美國(guó)一套典型住宅的價(jià)格超過(guò)了40萬(wàn)美元，相比一年前上漲了逾10%。

"Although the increase in rates will continue to dampen demand and put downward pressure on home prices, inventory remains inadequate," Mr Khater said.

卡特表示，盡管利率上漲會(huì)繼續(xù)抑制需求，對(duì)房?jī)r(jià)形成下行壓力，但是住房供應(yīng)仍然不足。

The spike in mortgage rates is a stark shift for the housing market in the US, which has enjoyed relatively low borrowing costs since 2008, when the US central bank slashed rates during the financial crisis to help prop up the economy.

房貸利率的上漲對(duì)于美國(guó)樓市是一個(gè)大轉(zhuǎn)折，自2008年暴發(fā)金融危機(jī)之后美聯(lián)儲(chǔ)降息扶持經(jīng)濟(jì)以來(lái)美國(guó)貸款利率一直相對(duì)較低。

The Federal Reserve cut rates again when the pandemic hit in 2020, helping to usher in a period of frenzied home buying with record price increases.

2020年暴發(fā)疫情時(shí)美聯(lián)儲(chǔ)再次降息，從而引發(fā)了一輪購(gòu)房潮，并促使房?jī)r(jià)史無(wú)前例地上漲。

That era came to an end in March, when the bank started to raise rates rapidly, responding to signs that rapid price increases were becoming entrenched across the economy.

這一低息時(shí)代在今年3月宣告終結(jié)，在接收到經(jīng)濟(jì)各領(lǐng)域物價(jià)快速上漲的信號(hào)后，美聯(lián)儲(chǔ)開(kāi)始大幅漲息。

Many mortgage brokers and realtors have already announced job cuts in response to the slowdown.

為了應(yīng)對(duì)樓市成交速度放緩的現(xiàn)狀，許多按揭貸款經(jīng)紀(jì)公司和房產(chǎn)中介公司已經(jīng)宣布將裁員。

英文來(lái)源：BBC

翻譯&編輯：丹妮