英国按揭规则的改变提高了可负担性,使51 602所住房为首次买主赚取30K英镑的首期买家提供了方便。 UK mortgage rule change boosts affordability, making 51,602 more homes accessible to first-time buyers earning £30K.

最近对抵押贷款负担能力规则的修改使51,602所住房向联合王国的首次买主开放,使那些挣30,000英镑的人能够借贷高达房屋价值的95%,将最高购买价提高到173,000英镑。 A recent change in mortgage affordability rules has made 51,602 more homes accessible to first-time buyers in the UK, allowing those earning £30,000 to borrow up to 95% of a home’s value, increasing the maximum purchase price to £173,000. 金融行为管理局关于应激反应测试的最新指导促使这一转变,使放款人能够使用未来产品费率,而不是目前的固定利润率,从而提高借贷能力。 This shift, prompted by updated Financial Conduct Authority guidance on stress-testing, enables lenders to use future product rates instead of current fixed margins, boosting borrowing capacity. 该移动将可到达的住家数目从86 915所增加到143 017所。 The move expands the number of homes within reach from 86,915 to 143,017. 尽管2025年11月按揭批准额略有下降,降至64 530人,但净借款额增至45亿英镑,按揭利率上升至4.20%。 Despite a slight drop in mortgage approvals to 64,530 in November 2025, net borrowing rose to £4.5 billion, and mortgage rates edged up to 4.20%. 2025年,由于可负担性提高和监管变化,买方首次交易增加了18%。 First-time buyer transactions rose 18% in 2025, driven by improved affordability and regulatory changes.