《公平竞争法》正在修订抵押贷款规则,以帮助自营职业者和非传统借款者,目的是以较少的障碍实现更公平、以技术为驱动的贷款。 The FCA is overhauling mortgage rules to help self-employed and non-traditional borrowers, aiming for fairer, tech-driven lending with fewer barriers.

FCA正在审查抵押贷款规则,以便更好地为现代借款人服务,包括自营职业者、老年人和从事非传统职业的人,目的是提供更公平、更实际的贷款。 The FCA is reviewing mortgage rules to better serve modern borrowers, including the self-employed, older adults, and those with non-traditional careers, aiming for fairer and more practical lending. 拟议修改包括简化规则,减少对低风险案例的咨询需求,以及更多地利用数据和技术创造个性化产品。 Proposed changes include simplified rules, reduced advice needs for low-risk cases, and greater use of data and technology to create personalized products. 虽然取消对高额贷款至收入贷款的15%上限可以提高借贷能力,但对房价通货膨胀和需要更多建房问题仍然感到关切。 While the removal of the 15% cap on high loan-to-income lending boosts borrowing power, concerns remain about house price inflation and the need for more homebuilding. 专家们强调负责任的借贷、明确的沟通以及经纪人在指导借款人方面的重要作用。 Experts stress responsible lending, clear communication, and the vital role of brokers in guiding borrowers. 公平竞争委员会结束了对财产投资损失的调查,没有作出解释,提出了问责问题。 The FCA has closed its investigation into property investment losses without explanation, raising accountability questions. 如果实施得当,改革可以导致一个更具包容性和创新性的抵押贷款市场。 If implemented well, reforms could lead to a more inclusive and innovative mortgage market.