英國平均房價首次超過26萬英鎊_風聞

【來源龍騰網】

正文原創翻譯：

Average UK house price exceeds £260,000 for first time

-Shortage of homes for sale in February pushes up house price growth for seventh straight month

英國平均房價首次超過26萬英鎊

——2月份待售房屋短缺，推動房價連續第7個月上漲

(The price of a typical home is about 20% higher than it was in February 2020, shortly before Covid lockdowns started in the UK, Nationwide says.)

（全英房屋抵押貸款協會表示，普通住房的價格比2020年2月，也就是英國開始封鎖之前，高出約20%。）

新聞：

A shortage of homes for sale last month sent house price growth spiralling for the seventh consecutive month to 12.6%, prompting concerns that property values are moving further out of reach of first-time buyers.

上月待售房屋的短缺導致房價連續第七個月飆升至12.6%，引發了人們對房地產價格進一步超出首次購房者承受能力的擔憂。

Prices of the average home increased by 1.7% in February to more than £260,000 for the first time, said the building society Nationwide, accelerating the pace of growth from 11.2% in January.

全國住房抵押貸款協會表示，2月份平均房價首次上漲1.7%，達到26萬英鎊以上，較1月份的11.2%有所加快。

Analysts, who expected a smaller increase in prices last month, said the ending of Covid restrictions enforced because of the Omicron variant and the threat of several interest rate rises this year from the Bank of England also spurred buyers to secure homes ahead of the peak Easter buying period.

預計上月房價會出現小幅上漲的分析師們表示，由於奧密克戎變種的出現，取消了對疫情的限制，以及英國央行今年數次加息的威脅，也促使購房者在復活節購房高峯期前購房。

Stiff competition between lenders for mortgage business, which has driven the offers for fixed-rate mortgages lower in recent months, was another factor driving prices higher.

貸款機構之間對抵押貸款業務的激烈競爭是推高房價的另一個因素。近幾個月來，這種競爭壓低了固定利率抵押貸款的報價。

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Nationwide said the increase pushed the average British house price to £260,230, after soaring by almost £30,000 over the past 12 months – the biggest annual increase in cash terms that its monthly index has recorded in more than 30 years of its existence.

全英房屋抵押貸款協會表示，在過去12個月上漲近3萬英鎊後，此次上漲將英國平均房價推高至260230英鎊，這是該協會成立30多年來月度房價指數中現金計算的最大年度漲幅。

The price of a typical home is about a fifth higher than it was in February 2020, shortly before the coronavirus lockdowns started in the UK, according to Nationwide. This equates to a cash increase of £44,140.

根據全英房屋抵押貸款協會的數據，一套普通住房的價格比2020年2月英國冠狀病毒封鎖開始前不久的價格高出約五分之一。這相當於增加了44140英鎊的現金。

As house price growth has outpaced wage increases, and housing affordability has become stretched, the price of a typical home sits at about 6.7 times average earnings, up from a ratio of 5.8 in 2019, according to Nationwide.

根據全英房屋抵押貸款協會的數據，隨着房價增速超過工資增速，住房負擔能力變得捉襟見肘，典型住房的價格約為平均收入的6.7倍，高於2019年的5.8倍。

Robert Gardner, Nationwide’s chief economist, said housing market activity had remained robust in recent months, with mortgage approvals continuing to run above pre-pandemic levels at the start of the year.

全英房屋抵押貸款協會首席經濟學家羅伯特·加德納表示，近幾個月來，房地產市場活動依然強勁，抵押貸款審批繼續高於20年初疫情爆發前的水平。

He said: “A combination of robust demand and limited stock of homes on the market has kept upward pressure on prices.

他表示：“市場上強勁的需求和有限的房屋存量使房價面臨上行壓力。

“The continued buoyancy of the housing market is a little surprising, given the mounting pressure on household budgets from rising inflation, which reached a 30-year high of 5.5% in January, and since borrowing costs have started to move up from all-time lows in recent months.

考慮到通脹上升給家庭預算帶來的越來越大的壓力（1月份通脹率達到了5.5%的30年來最高水平），以及近幾個月來借貸成本從歷史低點開始上升，房地產市場的持續上漲有點出人意料。

“The strength is particularly noteworthy since the squeeze on household incomes has led to a significant weakening of consumer confidence.”

“由於家庭收入縮水導致消費者信心明顯減弱，這一勢頭尤其值得注意。”

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Ross Boyd, the founder of the mortgage comparison platform Dashly.com, said: “First-time buyers are as keen as ever to get out of the rental market and on to the property ladder, as it’s usually cheaper to own if you can find the deposit.

抵押貸款比較平台Dashly.com的創始人羅斯·博伊德表示：“首次購房者像以往一樣熱衷於退出租賃市場，轉投房產市場，因為如果你能找到首付，通常買房會更便宜。”

“The major challenges facing the market right now are a scandalous lack of stock, interest rate rises and the surging cost of living.”

“市場目前面臨的主要挑戰是庫存嚴重不足、利率上升和生活成本飆升。”

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Martin Beck, the chief economic adviser to the EY Item Club, said most purchases were likely to be by households that had saved during the pandemic and were more immune from the rising cost of living when deciding to buy.

安永項目俱樂部首席經濟顧問馬丁·貝克表示，大多數購房的家庭可能是在疫情期間存錢的，在決定購買時，對生活成本上升的影響更具抵抗力。

Some households might also anticipate that the conflict in Ukraine and the growing uncertainty about the economic outlook will restrain the Bank of England from increasing rates much above 1%.

一些家庭可能還預計，烏克蘭的衝突和對經濟前景日益增長的不確定性將限制英國央行將利率提高到遠高於1%的水平。

“But overall, while the cost of mortgages may rise more slowly than had been expected, the outlook for the housing market is looking less buoyant,” he said.

“但總體而言，儘管抵押貸款成本的上升速度可能低於預期，但房地產市場的前景似乎不那麼樂觀，”他表示。

Gardner said that if the labour market remained strong and inflation continued to rise towards 8%, as many analysts predicted, the Bank would have little choice but to raise rates this year.

加德納説，如果勞動力市場保持強勁，通貨膨脹率繼續向8%上升，就像許多分析師預測的那樣，英國央行將別無選擇，只能在今年加息。

“Assuming that labour market conditions remain strong, the Bank of England is likely to raise interest rates, which will exert a further drag on the market if this feeds through to mortgage rates.

“假設勞動力市場狀況保持強勁，英國央行可能會加息，如果這傳導至抵押貸款利率，將對市場造成進一步拖累。

“Housing affordability has already become more stretched, in part because house price growth has been outstripping earnings growth by a wide margin since the pandemic struck.”

“住房負擔能力已經變得更加吃緊，部分原因是自疫情爆發以來，房價漲幅一直遠遠超過收入漲幅。”