2025年10月,由于预算不确定,联合王国住房贷款核准额下降,但活动水平仍然接近人口流行前的水平。 UK home loan approvals dipped in October 2025 due to budget uncertainty, but activity stayed near pre-pandemic levels.

在联合王国,2025年10月购房的抵押贷款批准额略有下降,从9月起降至65 018个,而在秋季预算之前的不确定因素推动下,抵押贷款批准额降到了5个月的低点。 Mortgage approvals for home purchases in the UK fell slightly to 65,018 in October 2025, down from September, while remortgage approvals hit a five-month low, driven by uncertainty ahead of the autumn Budget. 英格兰银行报告平均抵押利率略有下降,降至4.17%,是2023年1月以来最低的。 The Bank of England reported a slight drop in the average mortgage rate to 4.17%, the lowest since January 2023. 尽管停顿了一段时间,但活动仍然接近人口大流行前的水平。 Despite the pause, activity remained near pre-pandemic levels. 政府的最后公告只包括从2028年开始征收200万英镑以上房屋的理事会税附加税, The government’s final announcement included only a council tax surcharge on homes over £2 million starting in 2028, easing fears of broader property taxes. 分析家预计2026年初政策明晰性回报和英格兰银行可能削减利率后,情况会回升。 Analysts expect a rebound in early 2026 as policy clarity returns and a potential Bank of England rate cut looms. 由于预期未来每年限额将降至12,000英, 储蓄也大幅增加, 10月份现金ISAS增加了42亿英. Meanwhile, savings surged, with £4.2 billion added to cash Isas in October, driven by anticipation of a future reduction in the annual limit to £12,000. 消费者信贷增长保持在7.2%的稳定水平。 Consumer credit growth held steady at 7.2%.