根据抵押贷款巨头房地美对贷款人的调查，截至2025年11月6日，30年期固定抵押贷款的平均利率升至6.22%，从上周2024年10月初以来的最低水平6.17%反弹。房地美首席经济学家Sam Khater表示：“本周，30年期固定利率抵押贷款平均为6.22%。与今年早些时候相比，对于中等价位的房屋，这可能使购房者每年节省数千美元，表明负担能力正在缓慢提高。”。

The average rate on a 30-year fixed mortgage rose to 6.22% as of November 6th, 2025, rebounding from the lowest since early October 2024 of 6.17% seen last week, according to a survey of lenders by mortgage giant Freddie Mac. “This week the 30-year fixed-rate mortgage averaged 6.22%. On a median-priced home, this could allow a homebuyer to save thousands annually compared to earlier this year, showing that affordability is slowly improving,” said Sam Khater, Freddie Mac’s chief economist.

周四，10年期美国国债收益率从盘中早些时候的一个月高点4.16%跌至4.08%，因为劳动力市场疲软的新证据支持美联储下个月降息的论点。挑战者数据显示，美国10月份的裁员人数是20年来最多的，原因是消费者疲软和企业削减成本措施。这一结果有利于联邦公开市场委员会中鸽派的论点，该委员会最近增加了对美国劳工统计局持续停电的私人劳工报告的依赖。尽管如此，更高的通货膨胀和强劲的经济活动仍使30%的市场处于美联储下个月的控制地位。ISM服务业采购经理人指数在10月份的涨幅超过预期，而其价格指数则升至三年来的最高点。与此同时，财政部表示，随着美联储成为短期证券的净买家，以抵消MBS的流失，它将继续将更高的发行量集中在票据而不是息票证券上。

The yield on the 10-year US Treasury sank to 4.08% on Thursday from the one-month high of 4.16% earlier in the session as fresh evidence of a weaker labor market favored the argument for rate cut by the Federal Reserve next month. Challenger data showed that layoffs in the US rose the most in 20 years for an October, citing a weaker consumer and cost-cutting corporate measures. The result favored the argument for doves in the FOMC, which recently increased their dependency on private labor reports on the ongoing blackout from the BLS. Still, higher inflation and robust economic activity maintained 30% of the market to be positioned for a hold by the Fed next month. The ISM Services PMI rose more than expected in October, while its price gauge rose to a three year high. Meanwhile, the Treasury signaled it will continue to concentrate higher issuance volumes in bills instead of coupon securities, as the Fed becomes of net buyer of short securities to offset the run-off for MBSs.

Ripple表示，尽管存在局限性，但“瘦”美联储主账户仍具有吸引力。一位公司高管表示，加密货币巨头Ripple支持为非银行机构设立一个“精简”的美联储支付账户的想法，这仍然可能改变游戏规则，同时解决银行对金融稳定和竞争风险的担忧。

Ripple says 'skinny' Fed master account is attractive despite limitations .Crypto giant Ripple supports the idea of a "skinny" Federal Reserve payments account for non-banks, which could still be a game changer while addressing banks' concerns over financial stability and competition risks, a top company executive said.

美国股市周四大幅下跌，标准普尔500指数下跌1%，纳斯达克指数下跌2%，道琼斯指数下跌450点，受非必需消费品和科技股下跌的拖累。在喜忧参半的盈利报告中，对人工智能相关股票估值的担忧再次浮出水面。与此同时，挑战者报告显示，美国公司宣布的裁员人数是22年来10月份最高的，这在很大程度上与人工智能的采用和削减成本措施有关，这加剧了人们对劳动力市场急剧降温的担忧。高通股价下跌4.8%，此前其知识产权许可收入略低于预期，而特斯拉在当天晚些时候的年度股东大会前下跌了5%。其他显著下跌的公司包括甲骨文（-4.2%）、Palantir Technologies（-5%）和AMD（-7.4%）。主要的大市值也大多较低，Nvidia（-2.6%）、微软（-1.8%）、亚马逊（-2.7%）、Meta（-2.3%）和Alphabet（-0.2%）均为红色

US stocks fell sharply on Thursday, with the S&P 500 dropping 1%, the Nasdaq falling 2%, and the Dow Jones sliding 450 points, weighed down by declines in consumer discretionary and tech shares. Renewed concerns over stretched AI-related stock valuations resurfaced amid mixed earnings reports. At the same time, worries about a sharper cooling in the labor market intensified after the Challenger report showed that US companies announced the highest number of job cuts for any October in 22 years, largely linked to AI adoption and cost-cutting measures. Qualcomm tumbled 4.8% after its intellectual property licensing revenue came in slightly below expectations, while Tesla sank 5% ahead of its annual shareholder meeting later in the day. Other notable decliners included Oracle (-4.2%), Palantir Technologies (-5%), and AMD (-7.4%). Major megacaps were also mostly lower, with Nvidia (-2.6%), Microsoft (-1.8%), Amazon (-2.7%), Meta (-2.3%), and Alphabet (-0.2%) all in the red