众所周知，抵押贷款利率难以预测，但它对经济新闻的反应却十分可靠：美联储加息。
The biggest economic news of the week came on Wednesday, when the Fed’s Federal Open Market Committee concluded its May meeting with another rate hike widely expected. In March, the Federal Reserve raised interest rates for the first time in years, acknowledging that inflation was overheating. The inflation figure for March was as high as 8.5%.
过去一年通胀的急剧上升实际上迫使美联储加息。怀疑论者认为，美联储对数十年来最高的通胀反应迟缓。
美联储还缩减了疫情期间的经济刺激措施。美联储每月购买价值1200亿美元的美国国债和抵押贷款支持证券，但已开始放缓购买速度。
Almost everyone thinks that mortgage rates will go up 0.5 percent this week, which has caused rates to increase. It is not known if mortgage rates will move at all on news of the hike, as they have already been expecting it.
On Friday, the Labor Department will release the number of jobs for the month of April. This report will be important in determining the progression of the economic recovery, along with other items on the agenda.
美联储并不直接设定抵押贷款利率，计算房贷利率也很复杂，但这里有一个简单的经验法则：30年期固定利率抵押贷款准确追踪10年期美国国债收益率。当10年期美国国债收益率上升时，热门的30年期固定利率抵押贷款往往也会随之上升。
固定利率抵押贷款利率也受供求等其他因素的影响。当抵押贷款机构业务过剩时，他们会提高利率以减少需求。当业务疲软时，他们往往会降低价格以吸引更多客户。
利率最终由购买您贷款的投资者决定。大多数美国抵押贷款被打包成证券并转售给投资者。您的贷款机构会向您提供二级市场投资者愿意支付的利率。
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