英国房价停滞 抵押贷款成本高企抑制市场

英国房地产市场增长陷入停滞。9月份全国平均房价为298,441英镑，环比与同比均未见增长，未能实现经济学家预期的0.1%月度涨幅和0.2%年度涨幅1。这一表现反映出日益上升的借贷成本对购房需求的持续压制。

抵押贷款成本的飙升成为市场疲软的主要驱动力1。五年期固定利率抵押贷款首次突破6%的关键水平，为三年来首见1。受此影响，第三季度房屋购买按揭申请数同比下跌18.2%，其中首次购房者申请数同比下滑18.6%1。此前8月房价曾环比下跌0.3%，创三年来首次月度下滑1。劳埃德银行抵押贷款主管Andrew Asaam表示"新的购房者咨询数现已是自2月以来最高"1，英国房地产研究主管Tom Bill评价称，"今年是能源价格上升和房价停滞的一年"1。

UK house prices stalled in September, with the average property valued at £298,441, unchanged from both the previous month and a year earlier 1. The flat performance fell short of economists' expectations for a 0.1% monthly gain and 0.2% annual increase 1. This stagnation reflects the dampening effect of elevated mortgage costs on the housing market, as five-year fixed-rate mortgages breached 6% for the first time in three years 1.

The surge in borrowing costs has visibly affected buyer activity. Third-quarter mortgage applications for property purchases declined 18.2% year-on-year, while first-time buyer applications fell 18.6% over the same period 1. August had already signaled weakness, recording a 0.3% monthly price drop—the first decline in three years 1. Andrew Asaam, a mortgage director at Lloyds Bank, noted that "new homebuyer inquiries are now at their highest level since February" 1. Tom Bill, head of UK residential research, characterized the period as "a year of rising energy prices and stagnant house prices" 1.