英国购房 2021 准备成为最繁忙的 2006

今年肯定是自那以来最强劲的购房活动 2006, 根据英国银行的主要贸易机构.

英国金融部表示,虽然大流行的头几个月, during which the property market shut down for a time, led to predictions that sales would slump, the reality was very different, with “Covid-era activity set to eclipse everything since the credit crunch”.

The figures come hard on the heels of forecasts from the property website Zoopla and other commentators that 2021 would be the UK’s busiest year for the housing market since 2007.

While official figures have shown that the number of house sales tumbled in the weeks immediately after the end of the stamp duty holiday in England and Northern Ireland, which finished on 30 九月, this followed a record surge in activity during the latter half of 2020 and earlier this year.

Alongside the stamp duty holiday, the market was also boosted by a range of factors including government guarantees for mortgages and a desire for a new lifestyle prompted by the pandemic that has led many homebuyers to relocate and prioritise properties with bigger gardens and more room for working from home.

The most recent house price surveys from the UK’s biggest mortgage lenders depict a property market that is continuing to defy many experts’ expectations. Nationwide said average UK house prices continued their upwards climb in November and were now 10% higher than a year earlier, while Halifax’s latest price data is due to be issued on Tuesday 7 十二月.

In its latest household finance review, covering July to September, UK Finance said: “Barring a complete reversal of the current picture, purchase transactions in 2021 will reach their highest level seen since the peak in 2006, just before the global financial crisis [of 2007–08].”

The figures indicated that “the combined boost to demand from stimulus measures and societal changes has more than offset any dampening effects from Covid-19 and wider adverse economic factors”, it added.

然而, with a few weeks still to go until the end of the year, and house purchase activity less frenzied than it was earlier on in the year, the final outcome is not guaranteed. Interest rate rises – the first could come this month – could put a brake on the market, as could the new Omicron variant of coronavirus.

Looking at other aspects of people’s finances, the trade body said levels of unsecured debt had increased in line with spending, but it added that in the main, customers were continuing to pay off their card bills on time each month. 同时, mortgage arrears ticked down overall but what were described as “heavier arrears” continued to rise.

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