Recently, the Federal Reserve in the United States decided to maintain short-term interest rates stable, indicating that mortgage interest rates will not rise for the time being. However, homebuyers need to recognize that high mortgage interest rates have a broad impact on the real estate market and may lead to a shortage of housing supply, requiring careful consideration.

Firstly, we need to understand the relationship between mortgage interest rates and the Federal Reserve rates. Mortgage interest rates usually fluctuate with changes in the Federal Reserve rates. Therefore, when the Federal Reserve increases rates, mortgage interest rates also correspondingly rise.

Although the Federal Reserve recently maintained rate stability, which means that homebuyers can enjoy lower mortgage interest rates, the central bank is unlikely to start cutting rates until inflation remains within the target range. This also implies that mortgage interest rates may continue to rise in the future.

Secondly, high mortgage interest rates not only affect the purchasing decisions of homebuyers but also have a widespread impact on the real estate market. For example, high rates may lead homeowners to be unwilling to give up their low-rate loans, further exacerbating the shortage of housing supply.

At the same time, high mortgage interest rates also affect the purchasing power of homebuyers, leading to a decrease in home buying demand. This will further suppress the development of the real estate market.

Moreover, it is important to note that changes in mortgage interest rates are not always rational. While the Federal Reserve's rate policies may affect mortgage interest rates, market factors and other elements can also lead to rate fluctuations.

Homebuyers need to approach rate changes rationally, avoiding blindly following the trend to prevent unnecessary economic losses.

Finally, homebuyers need to closely monitor market conditions to make informed decisions. Homebuyers can obtain information about mortgage interest rates through various means, such as consulting with professionals and reading relevant reports.

Homebuyers should also consider their financial situation and risk tolerance to determine the level of mortgage interest rates they can afford.