为什么房贷利率上浮？

房贷利率上浮通常是指银行对房屋贷款利率的调整，一般情况下，房贷利率会随着市场利率的变化而变化，但是也有一些其他因素会影响房贷利率的上浮。以下是一些可能导致房贷利率上浮的原因：

1. 政策因素：政府对于房地产市场的调控会直接影响房贷利率。例如，政府可能会采取措施限制房价上涨，为了控制贷款风险，银行可能会提高房贷利率。英文翻译：

Why are mortgage rates on the rise?

Mortgage rate rise usually refers to the adjustment of mortgage rates by banks. Generally speaking, mortgage rates will change with market interest rate fluctuations, but there are also some other factors that may lead to mortgage rate increases. Here are some reasons why mortgage rates may rise:

1. Policy factors: Government regulation of the real estate market can directly affect mortgage rates. For example, the government may take measures to limit the rise of house prices, and in order to control loan risks, banks may raise mortgage rates.