2026-01-17 00:20:37

30-year fixed mortgage rate current status: 6.07%

Compared to the same period last year: 7.07%

The decline is quite evident. Meanwhile, the 10-year government bond yield stands at 4.23%, with a spread of 184 basis points between the two.

The downward trend in mortgage rates reflects a loosening of the overall credit environment, which provides some insights for asset allocation strategies—when traditional financing costs decrease, investors' willingness to seek returns often increases. The change in the spread between government bond yields and mortgage rates, to some extent, determines the flow of funds between different assets. For traders focused on macro factors, such data points are worth incorporating into their market judgment framework.

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StablecoinSkeptic

· 01-20 00:20

Mortgage rates have dropped by one point, is it about to take off? The spread of 184bp still isn't enough to eat. --- It's the same old story, loose credit = surge in risky assets. Why do I find it so hard to believe? --- Wait, with government bonds at 4.23% and mortgages at 6.07%, how do you calculate the water content in this spread? --- The interest rate cut cycle is indeed coming, but I still have some doubts about real estate. --- With a 184bp spread, will funds really flow out so obediently? That's a bit naive. --- Macroeconomic data looks good, but what about actual transaction volume? That's the key. --- The downward trend in mortgage rates makes me more cautious; signals are usually not that simple. --- It seems like asset allocation needs to be reshuffled, but who dares to go all in?

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DuckFluff

· 01-19 22:24

Mortgage rates have dropped by 1 point, but buying a house is still difficult. Where did all the money go? A difference of 184 basis points, is someone arbitraging? With interest rates falling, is it time to get in? Still hesitant. Credit has loosened but wages haven't, it's hilarious. The rate cut expectation hasn't been fully realized yet, feels like we still have to wait. Does the existence of this interest rate spread indicate there are still hidden concerns in the market? Buying a house for investment still results in losses, what asset allocation is there to talk about? I just want to know when the first-time homebuyer market will really become affordable. 184 basis points sounds big, but how much can it actually save on monthly payments? So what if it drops to 6? The pain of still not being able to afford the down payment remains.

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MysteryBoxOpener

· 01-19 08:45

Mortgage rates have dropped to over 6%, but I still can't afford it haha --- An 184 basis point spread—that's the real signal of where the money is flowing --- It dropped another percentage point, feels like they're cutting into us who already bought houses --- Treasury yields are only 4.23%? I need to think about how to allocate my assets --- Easing of mortgage rates ≠ easing of housing prices, don't be fooled by these numbers --- Credit environment has loosened, but real money is still on the sidelines, it's not that simple --- An 184bp gap... this rhythm feels off --- The downtrend is confirmed, funds will inevitably flow to higher-yielding places --- Last year it was over 7 yuan, now over 6 yuan, feels like it's a bit late

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StablecoinAnxiety

· 01-19 04:29

Mortgage rates have dropped by 1 point, but this 184bp spread is really outrageous... Where is the capital flowing to? --- During the rate cut cycle, it still depends on government bonds. A 6% mortgage isn't actually as cheap as it seems. --- Wait, what does such a large spread indicate? Is money all rushing into high yields? --- Mortgage rates have decreased significantly, but the money in hand has depreciated more. Overall, it's still a loss. --- 184 basis points... This data is interesting. I need to rethink the logic of asset allocation. --- Looking at it this way, mortgage loans are indeed cheaper, but I'm more concerned about when government bonds will move as well. --- With such a wide spread, what is the market betting on? Or is the yield expected to continue falling? --- Hmm... Mortgage rates are cheaper, but I still feel a bit hesitant to get on board. --- Is a 6-point mortgage now considered attractive? It still depends on how the central bank will act next. --- This data indicates that the credit environment is loosening, but I still haven't figured out where the real profit opportunities are.

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TokenToaster

· 01-17 00:50

Mortgage rates have dropped by 1 point, and someone is probably trying to buy the dip again. This spread of 184bp is honestly a bit outrageous; anyone would have to think about how to allocate. Is the interest rate cut cycle coming? I don't think so, it depends on subsequent actions. Another group of people is rushing in to buy the dip, as always. With such a large spread... will the funds really spill out, or will they just keep circulating inside?

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TokenomicsTherapist

· 01-17 00:50

Mortgage rates cut by one point, this move is indeed interesting, but the real question is, does anyone dare to get on board? --- 184 basis points spread, it feels like the main players are using this as bait to do something... --- The rate has been lowered, we'll see if it rebounds later; this tactic is all too familiar. --- When credit loosens, funds have to find a place to go; the 4.23% government bond yield looks quite attractive. --- Every time I see this kind of data, I think of the days when I was trapped, haha. --- A 1 percentage point difference—reminds me of last year when mortgage rates were over 7%. Now it's definitely much cheaper, but what about the housing market? --- Such a large interest rate spread actually indicates a problem. Why are mortgage rates so cheap yet no one is stepping in? --- Those playing the macro game are definitely watching this area; where liquidity flows is the key. --- Last year 7.07%, this year 6.07%, a clear decline, but there are still so few people buying houses... --- Government bond yields are much higher than mortgage rates; smart money knows how to choose.

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NonFungibleDegen

· 01-17 00:50

mortgage rates down 100bps... bruh this is literally the signal to ape into alts rn, credit environment loosening = money printer go brrr. 184bp spread is chef's kiss for yield chasers, probably nothing but also everything idk

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LootboxPhobia

· 01-17 00:44

Mortgage rates directly cut by one point, is the market coming? --- 184bp spread... what does this indicate? Money is really flowing outward. --- Last year it was over 7%, now just above 6%, it finally feels like the cost of buying a house has eased. --- Government bonds at 4.23%, mortgage rates at 6.07%... this widening interest gap, do investors not know where the funds are flowing? --- Signal of an interest rate cut cycle starting? Or just a slight shake and it’s over? --- Loan easing is real, but do people dare to jump in? Not necessarily. --- Sounds good, but how many can actually get in? --- Such a large spread, no wonder everyone is pondering asset allocation. --- A full 1% drop in a year, is there still room for further decline? --- Funding costs have decreased, but beware of money flowing into the wrong places.

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MEVvictim

· 01-17 00:40

Mortgage rates dropped another 1 percentage point, but I still don't have enough money to buy a house haha --- 184 basis points? Sounds like a pretty big spread, but can this money flow into retail investors' hands? --- Macro judgment framework or whatever, just bring it down to 5% first. --- Credit loosening for a while, but why does it feel like housing prices haven't dropped much and rents have actually increased? --- Treasury bonds at 4.23%, mortgage at 6.07%... why isn't there a spread for me to take advantage of? --- Wait, is this hinting at when to get in? Or just continue to watch and wait? --- Another "insight for traders," huh? Brother, you're tired of using that phrase, right?

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GasFeeSobber

· 01-17 00:38

Mortgage rates drop from 7 to 6, the numbers look better, but do you really dare to take the plunge? This interest spread of 184bp... feels a bit outrageous, where is the money flowing? The interest rate cut cycle has arrived, but homebuyers still need to think it over. Government bond yields are so low, no wonder everyone can't sit still. 6.07% isn't considered cheap; I'll observe for now and see.

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