一项劳埃德研究发现,在9个英国城市,用5%的存款购买比租房便宜。 In nine UK cities, buying with a 5% deposit is cheaper than renting, a Lloyds study finds.

劳埃德公司的一项分析发现,在伦敦以外的11个联合王国主要城市中,有9个城市以5%的存款购买住房,根据平均地产价格和租金率,每月费用可能低于租金。 A Lloyds analysis finds that in nine of 11 major UK cities outside London, buying a home with a 5% deposit could lead to lower monthly costs than renting, based on average property prices and rental rates. 格拉斯哥采用五年、三十年固定按揭利率4.78%的固定按揭利率,每月储蓄额最大,纽卡斯尔和爱丁堡紧随其后。 Using a 4.78% fixed mortgage rate over five years and a 30-year term, Glasgow showed the largest savings—£396 monthly—followed by Newcastle and Edinburgh. 虽然Cardiff和Sheffield的租金略低,但长期股本收益可以抵消这一差额。 While renting was slightly cheaper in Cardiff and Sheffield, long-term equity gains may offset that difference. 该研究排除了法律费用、搬迁费用和其他所有权费用。 The study excluded legal fees, moving costs, and other ownership expenses. Lloyds指出,不断上涨的租金使某些人更能负担得起住房所有权,建议首次买家咨询抵押贷款顾问。 Lloyds noted rising rents have made homeownership more affordable for some, advising first-time buyers to consult mortgage advisers. 伦敦由于价格上涨被排除在外。 London was excluded due to higher prices.