英国8月份新房购买抵押贷款审批数量降至54918笔，创32个月最低纪录，较上年同月下降15%1。英格兰银行的报告显示，伊朗冲突导致油价上升，进而推高了抵押贷款利率，对购房需求造成打击1。新抵押贷款有效利率从7月的4.45%上升至8月的4.60%1，五年期固定利率达到5.94%，为2023年10月以来最高水平1，二年期固定利率亦升至5.93%，创2024年7月以来新高1。
Knight Frank Finance首席合伙人Simon Gammon指出，"购买活动在夏季期间减弱，因上升的能源价格推高了借贷成本"1。KPMG UK金融服务咨询部门负责人Katie Clinton表示，"8月抵押贷款审批进一步下降，伊朗冲突带来的冲击推高通胀和抵押贷款利率，可购性压力继续对住房需求造成压力"1。与此同时，8月再抵押贷款审批数约为34000笔，略低于7月的34600笔1。Capital Economics英国首席经济学家Paul Dales警告称，抵押贷款利率在2027年大部分时间保持在4.5%以上的前景影响将大于政府新推出的"你的首套房"计划1。
Mortgage approvals for house purchases in the United Kingdom reached their lowest level in 32 months during August, with only 54,918 new loans approved, representing a 15 percent decline compared to the same month last year 1. The drop reflects mounting pressure on borrowers as mortgage rates have climbed sharply, driven by geopolitical tensions. The effective interest rate on new mortgages rose from 4.45 percent in July to 4.60 percent in August, while five-year fixed rates hit 5.94 percent—the highest since October 2023 1. Two-year fixed rates similarly reached their peak at 5.93 percent since July 2024 1.
Industry analysts attributed the deterioration directly to elevated energy prices stemming from regional conflicts. Simon Gammon, a senior partner at Knight Frank Finance, noted that "purchasing activity has weakened during the summer months, as rising energy prices have pushed up borrowing costs," with lending activity in August falling 15 percent year-on-year 1. Katie Clinton, head of financial services consulting at KPMG UK, warned that mortgage approvals continued to decline in August, as "the impact of the Iran conflict has driven up inflation and mortgage rates, with affordability pressures continuing to weigh on housing demand" 1. Paul Dales, chief UK economist at Capital Economics, cautioned that the prospect of mortgage rates remaining above 4.5 percent for much of 2027 would have a greater dampening effect on the market than the government's newly launched "First Home" scheme 1. Refinancing activity also declined marginally, with approximately 34,000 remortgage approvals in August compared to 34,600 in July 1.
评论
还没有评论，欢迎留下第一条。