In 2020, we are fortunate to be experiencing mortgage rates that are at a historic low. Mortgage rates today make it easier for homeownership to become a reality. But, rates haven’t always been this low, and they might not continue down this path in the future. 

It’s good to take a look at past mortgage rates to see trends over the years. Looking back can also provide useful insight into the future. 

Keep reading to gain an understanding of mortgage rate history and how they have changed over time. 

按揭利率历史

Freddie Mac began surveying lenders for mortgage data in 1971. 看着 data of 30-year fixed rates since the 1970s, you will find that they have fluctuated greatly.

20世纪70年代在美国，平均抵押贷款利率在7%至7%之间.38%和11%.20%. There was a consistent increase due to what’s known as The Great Inflation. This was a period when the stock market crashed, 失业率增加, 通货膨胀似乎失去了控制. 

在20世纪80年代在美国，平均抵押贷款利率在10%至10%之间.21%和16%.64%. After the highest interest rate on record of 18.63% was reached in 1981, rates steadily fell and never rose near that level again. 

在20世纪90年代在美国，平均抵押贷款利率在6%至6%之间.94%和10.13%. The economy was relatively stable, so interest rates followed suit.

在2000年代在美国，平均抵押贷款利率在5%至5%之间.04%和8.05%. After the housing crash of 2008, rates fell under 6% and haven’t risen above since. 

在2010年代在美国，平均抵押贷款利率在3%.65%和4.54%. 有记录以来的最低利率是3%.31% in 2012. 利率 are currently sitting at historically low levels.

2020年抵押贷款利率预测

Today we continue to experience historically low interest rates. As of 2019, mortgage rates are at an average of 4%. 

At Arbor Financial Credit Union, our rates start below the national average.

Now is the time to take advantage of these low rates. While rates are low, homeownership is more affordable, so secure your low rate loan while you can.

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