警告:现在,近一半的新抵押贷款已超出借款人的养老金年龄,有退休储蓄的风险。 Warning: Nearly half of new mortgages now extend beyond borrowers' pension age, risking retirement savings.

前养老金部长Steve Webb警告说,现在近一半的新抵押贷款延长了借款人过去的养老金年龄,比2021年的三分之一有所增加。 Former Pensions Minister Steve Webb warns that nearly half of new mortgages now extend past borrowers' pension age, up from a third in 2021. 这一趋势主要影响较年轻的借款人,由于住房价格和利率高,40岁以下者长期抵押贷款增加30%。 This trend primarily affects younger borrowers, with a 30% increase in under-40s taking out long-term mortgages due to high housing prices and interest rates. Webb 警告说,这可能影响到退休规划,可能迫使人们利用其养老金储蓄来结清抵押贷款债务。 Webb cautions that this could impact retirement planning, potentially forcing people to use their pension savings to clear mortgage debts.