http://www.moneyweek.com/file/14531/is-lon...ming-again.html
这个文章说的是2005-2006的情况，2007-2008的情况有人知道么？
and the interesting website
http://www.home.co.uk/
read it from
http://www.moneyweek.com/file/14531/is-lon...ming-again.html
这个文章说的是2005-2006的情况，2007-2008的情况有人知道么？
and the interesting website
http://www.home.co.uk/
http://www.moneyweek.com/file/14531/is-lon...ming-again.html
这个文章说的是2005-2006的情况，2007-2008的情况有人知道么？
and the interesting website
http://www.home.co.uk/
最新的文章
http://www.thisismoney.co.uk/mortgages/hou...p;in_page_id=57
House prices now lower than a year ago
Jonathan Prynn, Evening Standard
30 April 2008
Reader comments (57) | Chat | Vote | Calculate
House prices are lower than they were a year ago for the first time since 1996, a property survey revealed today.
Average prices have dropped 1% since April 2007 to £178,555, according to the Nationwide. It is the first time one of the major national surveys has shown a year-on-year drop since the credit crunch began last summer and the clearest signal yet that the decade-long housing boom has been consigned to history.
It follows 133 consecutive months of annual house price growth since March 1996. The news came as a rate-setting member of the Bank of England's Monetary Policy Committee gave a stark warning. David Blanchflower - an advocate of early and aggressive rate cutting - said: 'A correction of approximately one-third in house prices does not seem implausible in the UK over a period of two or three years.'
He said the latest figures on mortgage approvals looked 'horrible' and said there was a real danger Britain could be caught by economic 'contagion' from America. However, the chances of a cut to 4.75% as soon as next month appeared to be downplayed yesterday by Governor Mervyn King.
In its monthly housing market report today the Nationwide said falling demand from first time buyers, higher mortgage costs and tighter lending criteria had all contributed to the downturn.
Its chief economist Fionnuala Earley said: 'April's fall in prices continues the trend of the last six months and reflects the weakening sentiment in the market brought about by poorer affordability and tighter financial market conditions.'
However, she played down comparisons with the great crash from 1989 to the mid-Nineties, pointing out that the vast majority of borrowers are either on fixed rates - and therefore protected from higher mortgage costs - or on tracker and variable rates and benefitting from the cuts in the Bank of England base rates.
She said only around 1.8m borrowers, 15% of the total, were on cheap fixed and tracker deals due to expire this year.
http://www.thisismoney.co.uk/mortgages/hou...p;in_page_id=57
House prices now lower than a year ago
Jonathan Prynn, Evening Standard
30 April 2008
Reader comments (57) | Chat | Vote | Calculate
House prices are lower than they were a year ago for the first time since 1996, a property survey revealed today.
Average prices have dropped 1% since April 2007 to £178,555, according to the Nationwide. It is the first time one of the major national surveys has shown a year-on-year drop since the credit crunch began last summer and the clearest signal yet that the decade-long housing boom has been consigned to history.
It follows 133 consecutive months of annual house price growth since March 1996. The news came as a rate-setting member of the Bank of England's Monetary Policy Committee gave a stark warning. David Blanchflower - an advocate of early and aggressive rate cutting - said: 'A correction of approximately one-third in house prices does not seem implausible in the UK over a period of two or three years.'
He said the latest figures on mortgage approvals looked 'horrible' and said there was a real danger Britain could be caught by economic 'contagion' from America. However, the chances of a cut to 4.75% as soon as next month appeared to be downplayed yesterday by Governor Mervyn King.
In its monthly housing market report today the Nationwide said falling demand from first time buyers, higher mortgage costs and tighter lending criteria had all contributed to the downturn.
Its chief economist Fionnuala Earley said: 'April's fall in prices continues the trend of the last six months and reflects the weakening sentiment in the market brought about by poorer affordability and tighter financial market conditions.'
However, she played down comparisons with the great crash from 1989 to the mid-Nineties, pointing out that the vast majority of borrowers are either on fixed rates - and therefore protected from higher mortgage costs - or on tracker and variable rates and benefitting from the cuts in the Bank of England base rates.
She said only around 1.8m borrowers, 15% of the total, were on cheap fixed and tracker deals due to expire this year.
我相信房价会降，而且会降很长一段时间，2-3年或者更长。看看美国就知道了，这里的情况和美国很类似。
或者想想MORTGAGE，为什么以前可以贷125%？因为银行相信房子会升值，甚至可以升25%。
再看看现在，如果首付少于5%，利息很高；基本都要求10%。要求10%，就说明房价会降至少10%，甚至更多。
只是降的过程很长，看你有没有等下去的条件。
PS，我知道，去年年初在美国买房子的，今年年初就已经后悔了。
如果条件容许，最好再等几个月。
或者想想MORTGAGE，为什么以前可以贷125%？因为银行相信房子会升值，甚至可以升25%。
再看看现在，如果首付少于5%，利息很高；基本都要求10%。要求10%，就说明房价会降至少10%，甚至更多。
只是降的过程很长，看你有没有等下去的条件。
PS，我知道，去年年初在美国买房子的，今年年初就已经后悔了。
如果条件容许，最好再等几个月。
125% is nothing but irresponsible lending and pushing people into negative equity immediately after taking out mortgages. Northern Rock has done it and eventually done itself.
Everyone says the price will drop but what matters is how much. Besides, London is still special in my view as the market is supported by not only native working people but also immigrants like you and me as well as crazy buy-to-let landlords. I'd say a 10% fall in next 2 or 3 years would be likely but no more. The short of supply is key difference between US and UK housing market and I don't think market in New York is as bad as those you normally see on TV. Current market jitter in the UK is also partly down to the reverse attitude taken by banks from extreme risk-taking to extreme cautious. If mortgage market is drained like today, which I really think will get improved later this year, housing market will be very difficult.
Everyone says the price will drop but what matters is how much. Besides, London is still special in my view as the market is supported by not only native working people but also immigrants like you and me as well as crazy buy-to-let landlords. I'd say a 10% fall in next 2 or 3 years would be likely but no more. The short of supply is key difference between US and UK housing market and I don't think market in New York is as bad as those you normally see on TV. Current market jitter in the UK is also partly down to the reverse attitude taken by banks from extreme risk-taking to extreme cautious. If mortgage market is drained like today, which I really think will get improved later this year, housing market will be very difficult.
引用(kangkang @ 17 May 2008, 12:00) 
我相信房价会降，而且会降很长一段时间，2-3年或者更长。看看美国就知道了，这里的情况和美国很类似。
或者想想MORTGAGE，为什么以前可以贷125%？因为银行相信房子会升值，甚至可以升25%。
再看看现在，如果首付少于5%，利息很高；基本都要求10%。要求10%，就说明房价会降至少10%，甚至更多。
只是降的过程很长，看你有没有等下去的条件。
PS，我知道，去年年初在美国买房子的，今年年初就已经后悔了。
如果条件容许，最好再等几个月。
或者想想MORTGAGE，为什么以前可以贷125%？因为银行相信房子会升值，甚至可以升25%。
再看看现在，如果首付少于5%，利息很高；基本都要求10%。要求10%，就说明房价会降至少10%，甚至更多。
只是降的过程很长，看你有没有等下去的条件。
PS，我知道，去年年初在美国买房子的，今年年初就已经后悔了。
如果条件容许，最好再等几个月。
as long as rent keeps this curent level or even increases, i see no reason to call BTL landlords crazy:)
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