英国房价连续第八个月下跌 2008-05-28 09:50
http://msn.vodone.com/msn/vodplayer/text/166101.shtml
总 部设在伦敦的某房地产研究机构当地时间２５日发布调查报告说，５月英国房价连续第八个月下跌，并创两年半来最大同比跌幅。报告显示，英格兰和威尔士地区住 宅均价为１７．２２万英镑（约合３４．１万美元），较上月下跌了０．５％，同比下跌了１．９％，创２００５年１１月以来的最大跌幅。该机构研究部门负责人 理查德·唐奈说：“未来几个月里，房价将继续面临下跌压力。” 英国央行行长默文·金本月曾表示，预计英国房价还将继续下跌，且英国经济可能出现萎缩。
完整版本: 英国房价连续第八个月下跌
引用(sun_juana @ 28 May 2008, 8:50) 
英国房价连续第八个月下跌 2008-05-28 09:50
http://msn.vodone.com/msn/vodplayer/text/166101.shtml
总 部设在伦敦的某房地产研究机构当地时间２５日发布调查报告说，５月英国房价连续第八个月下跌，并创两年半来最大同比跌幅。报告显示，英格兰和威尔士地区住 宅均价为１７．２２万英镑（约合３４．１万美元），较上月下跌了０．５％，同比下跌了１．９％，创２００５年１１月以来的最大跌幅。该机构研究部门负责人 理查德·唐奈说：“未来几个月里，房价将继续面临下跌压力。” 英国央行行长默文·金本月曾表示，预计英国房价还将继续下跌，且英国经济可能出现萎缩。
http://msn.vodone.com/msn/vodplayer/text/166101.shtml
总 部设在伦敦的某房地产研究机构当地时间２５日发布调查报告说，５月英国房价连续第八个月下跌，并创两年半来最大同比跌幅。报告显示，英格兰和威尔士地区住 宅均价为１７．２２万英镑（约合３４．１万美元），较上月下跌了０．５％，同比下跌了１．９％，创２００５年１１月以来的最大跌幅。该机构研究部门负责人 理查德·唐奈说：“未来几个月里，房价将继续面临下跌压力。” 英国央行行长默文·金本月曾表示，预计英国房价还将继续下跌，且英国经济可能出现萎缩。
说是那样说，但是除了贷款收紧以外，我都没有感觉楼价跌了多少（我指伦敦地区的，我住在zone 3），我家所在的小区，最近有4套flat在for sale，1房1厅的叫价229950，2房1厅的叫价299950，比之前已经卖掉的还贵了10k，虽然叫价和最终售价之间肯定有区别，但是敢这样开价，至少他们是觉得能在原价-10k内能成交的，我买的时候（06年8月），1房1厅（就这个小区的）才162k
报告出来的都是平均值，拉长补短的未必对每个地方都准。一个100k的房子如果跌到90k，那就下滑了10%；可一个500k的房子如果跌到490k，那会是百分之多少？所以都是平均值，不是很准，只能供参考。
像我这里的房子也一直在起，可是隔壁镇的却降了，不管是起是跌，利率也高居不下还收紧，所以即使跌了利率那里也不少，如果有些地方房价起了，高利率也是一种困难。
像我这里的房子也一直在起，可是隔壁镇的却降了，不管是起是跌，利率也高居不下还收紧，所以即使跌了利率那里也不少，如果有些地方房价起了，高利率也是一种困难。
有时候叫价和成交价差的挺远的
我隔壁一个村有一个房子，原来叫价330k，后来改叫280k，还在卖呢
看来世道的确很冷啊
我隔壁一个村有一个房子，原来叫价330k，后来改叫280k，还在卖呢
看来世道的确很冷啊
好房子卖的还是快啊
我看的几个有点意思的房子都很快出手了
郁闷
剩下都是不咋得的
我看的几个有点意思的房子都很快出手了
郁闷
剩下都是不咋得的
House prices: What now for buyers and sellers?
Ed Ewing guardian.co.uk, Thursday May 29 2008 Article historyIf we didn't already know it, today's Nationwide house price figures have revealed a market in decline - one that is falling faster than the property bust of the early 1990s. So where are they heading and what should people who want to move do about it? A selection of experts give their opinion.
The mortgage lender
Sarah Robson, spokeswoman for Council of Mortgage Lenders: "Our forecast is for a 7% decline in house prices over the year. We don't yet have a forecast for what will happen next year. Based on that, people need to decide what the best course of action is for them. It really depends on your circumstances. It's up to the individual to make the decision as to whether to move based on the information out there."
The mortgage expert
Louise Cuming, head of mortgages at moneysupermarket.com: "Today's Nationwide figures will fuel the 'wait and see' approach among the millions of homeowners too afraid to make a move in the current environment. But with every cloud comes a silver lining for some, and in this case it's the first-time buyer who stands to gain. However, as there is an expectation of prices falling further they may well play a longer waiting game to try and pounce at the bottom of the market. The longer they wait the more stagnant the mortgage market becomes."
The estate agents
Peter Bolton King, chief executive of the National Association of Estate Agents: "The national sales figures do not tell the whole story. We know from our members that the picture is still very regional with some areas continuing to do better than others. Indeed, our recent survey of agents records some stability returning to the market in the number of sales agreed, the number of viewings before a sale is secured, and the average difference between asking and sales price.
"The issue here is consumer confidence. We know from our own surveys that some people are adopting a 'wait and see' attitude before making any decisions, which is affecting prices. There is no denying that the credit crunch and tighter economic factors have affected confidence in the market, but it is important to remember that the underlying factors that support the property market remain: low unemployment, historically low interest rates and a latent demand for houses."
Russell Jervis, managing director of haart:
"We have already seen significant house price reductions this year, with some areas experiencing falls as much as 10%. The last 10 years of house price growth has been unsustainable. The current moderation of house prices will help address the affordability constraints that have made it near impossible for first-time buyers to get on the property ladder.
"As prices have dropped we are seeing an increased number of people looking to buy a property, but there are some stumbling blocks stopping motivated buyers from purchasing. More needs to be done to ensure the finance is there for buyers to borrow, and that vendors can actually afford to sell. Encouragingly, some lenders have reduced their rates, and this trend needs to continue."
The surveyor
David Stubbs, senior economist at the Royal Institution of Chartered Surveyors: "The difficulties in the mortgage market are stretching accessibility and threaten to reduce transaction levels by 40% this year. With buyers unable to secure financing on reasonable terms, some sellers are now choosing to cut prices. The market will only stabilise once transaction volumes recover. The government and the Bank of England should continue to implement measures to restore the smooth functioning of the mortgage market, before the drop in transactions and prices begins to really hurt the economy."
The financial planner
Jonathan Davis, Armstrong Davis Ltd and spokesman for housepricecrash.co.uk: "We don't want house prices to fall, but I'm a chartered financial planner and the fundamentals just aren't there. I said last year on national TV that house prices would fall 30% to 40% from their peak over three to four years. So far I'm exactly right. Prices will be down 15% from their peak - August 2007 - by the end of the year.
"I'm quite convinced we are on track for a 30% to 40% fall by 2011 to 2012. Anyone who suggests house prices will stabilise after 12 months is talking out of their hat.
"In the last crash the top to bottom fall took three years from the peak, and it fell by 15%. I see no reason why the present crash won't be as long, but it will be at least double the fall. Why? Because we've seen prices increase by 300% over the last 15 years.
"If you're looking to buy, don't touch property with a bargepole for at least two years. If you are looking to sell, understand there are three times more properties on the market than there are buyers. Buyers have the upper hand. If you must sell, you have to price 10% below the prevailing price just to get viewers. If you really need more space, then rent."
The economist
Howard Archer of Global Insight: "The Nationwide figures were a real shocker to be honest. Monthly house prices can be volatile but it was a large drop and the seventh successive fall.
"I can't see anything in the near term that will arrest that fall. I think it's highly likely that we'll see double digit falls in 2008 and 2009. We're forecasting prices stabilising in 2010.
"This means there are opportunities for some, but for others it's desperate. Trading up should be OK as prices come down, and it's good news for first-time buyers certainly. But they have to stump up a bigger deposit. They will do well to hold off buying for the foreseeable future - 18 months.
"It's not a problem if you don't have to move, of course. The problem is if you're overstretched and if unemployment starts to rise, or your circumstances change.
"However, you have to look at it in perspective. We've seen a 190% increase in property prices over the last 10 years. Most people who have bought in the past decade will be safe."
The researcher
Lucian Cook, director residential research at Savills estate agents: "What we're seeing is a sustained number of months of falling prices, which tells us it's a downturn not a slowdown. It is difficult to read too much into one month's 2% fall, but that said the figures are representative of what is happening.
"What we do know is this is driven by the credit crunch and lack of mortgage finance. This is now only available at higher rates, deals are harder to come by and mortgage products have been pulled. Inevitably we've seen prices falling.
"Our 2008 forecast is a year-on-year fall of 8%. How long it lasts depends on an easing of the credit markets. The longer we see constrained credit the longer the decline. If credit markets recover this autumn we'll see a smaller rate of decline in 2009. If they don't, we'll see further sustained falls.
"People who don't have to move won't. It will be a 'death, divorce and debt' market. For the rest, I suspect people know it will take time. They will stay away from the market. Whether to sell, buy or rent, though, is entirely dependent on your personal circumstances. There's no easy answer.
"Inevitably there will be a point where some people will take advantage of significant discounts, particularly in new builds. There will be opportunities for some."
Ed Ewing guardian.co.uk, Thursday May 29 2008 Article historyIf we didn't already know it, today's Nationwide house price figures have revealed a market in decline - one that is falling faster than the property bust of the early 1990s. So where are they heading and what should people who want to move do about it? A selection of experts give their opinion.
The mortgage lender
Sarah Robson, spokeswoman for Council of Mortgage Lenders: "Our forecast is for a 7% decline in house prices over the year. We don't yet have a forecast for what will happen next year. Based on that, people need to decide what the best course of action is for them. It really depends on your circumstances. It's up to the individual to make the decision as to whether to move based on the information out there."
The mortgage expert
Louise Cuming, head of mortgages at moneysupermarket.com: "Today's Nationwide figures will fuel the 'wait and see' approach among the millions of homeowners too afraid to make a move in the current environment. But with every cloud comes a silver lining for some, and in this case it's the first-time buyer who stands to gain. However, as there is an expectation of prices falling further they may well play a longer waiting game to try and pounce at the bottom of the market. The longer they wait the more stagnant the mortgage market becomes."
The estate agents
Peter Bolton King, chief executive of the National Association of Estate Agents: "The national sales figures do not tell the whole story. We know from our members that the picture is still very regional with some areas continuing to do better than others. Indeed, our recent survey of agents records some stability returning to the market in the number of sales agreed, the number of viewings before a sale is secured, and the average difference between asking and sales price.
"The issue here is consumer confidence. We know from our own surveys that some people are adopting a 'wait and see' attitude before making any decisions, which is affecting prices. There is no denying that the credit crunch and tighter economic factors have affected confidence in the market, but it is important to remember that the underlying factors that support the property market remain: low unemployment, historically low interest rates and a latent demand for houses."
Russell Jervis, managing director of haart:
"We have already seen significant house price reductions this year, with some areas experiencing falls as much as 10%. The last 10 years of house price growth has been unsustainable. The current moderation of house prices will help address the affordability constraints that have made it near impossible for first-time buyers to get on the property ladder.
"As prices have dropped we are seeing an increased number of people looking to buy a property, but there are some stumbling blocks stopping motivated buyers from purchasing. More needs to be done to ensure the finance is there for buyers to borrow, and that vendors can actually afford to sell. Encouragingly, some lenders have reduced their rates, and this trend needs to continue."
The surveyor
David Stubbs, senior economist at the Royal Institution of Chartered Surveyors: "The difficulties in the mortgage market are stretching accessibility and threaten to reduce transaction levels by 40% this year. With buyers unable to secure financing on reasonable terms, some sellers are now choosing to cut prices. The market will only stabilise once transaction volumes recover. The government and the Bank of England should continue to implement measures to restore the smooth functioning of the mortgage market, before the drop in transactions and prices begins to really hurt the economy."
The financial planner
Jonathan Davis, Armstrong Davis Ltd and spokesman for housepricecrash.co.uk: "We don't want house prices to fall, but I'm a chartered financial planner and the fundamentals just aren't there. I said last year on national TV that house prices would fall 30% to 40% from their peak over three to four years. So far I'm exactly right. Prices will be down 15% from their peak - August 2007 - by the end of the year.
"I'm quite convinced we are on track for a 30% to 40% fall by 2011 to 2012. Anyone who suggests house prices will stabilise after 12 months is talking out of their hat.
"In the last crash the top to bottom fall took three years from the peak, and it fell by 15%. I see no reason why the present crash won't be as long, but it will be at least double the fall. Why? Because we've seen prices increase by 300% over the last 15 years.
"If you're looking to buy, don't touch property with a bargepole for at least two years. If you are looking to sell, understand there are three times more properties on the market than there are buyers. Buyers have the upper hand. If you must sell, you have to price 10% below the prevailing price just to get viewers. If you really need more space, then rent."
The economist
Howard Archer of Global Insight: "The Nationwide figures were a real shocker to be honest. Monthly house prices can be volatile but it was a large drop and the seventh successive fall.
"I can't see anything in the near term that will arrest that fall. I think it's highly likely that we'll see double digit falls in 2008 and 2009. We're forecasting prices stabilising in 2010.
"This means there are opportunities for some, but for others it's desperate. Trading up should be OK as prices come down, and it's good news for first-time buyers certainly. But they have to stump up a bigger deposit. They will do well to hold off buying for the foreseeable future - 18 months.
"It's not a problem if you don't have to move, of course. The problem is if you're overstretched and if unemployment starts to rise, or your circumstances change.
"However, you have to look at it in perspective. We've seen a 190% increase in property prices over the last 10 years. Most people who have bought in the past decade will be safe."
The researcher
Lucian Cook, director residential research at Savills estate agents: "What we're seeing is a sustained number of months of falling prices, which tells us it's a downturn not a slowdown. It is difficult to read too much into one month's 2% fall, but that said the figures are representative of what is happening.
"What we do know is this is driven by the credit crunch and lack of mortgage finance. This is now only available at higher rates, deals are harder to come by and mortgage products have been pulled. Inevitably we've seen prices falling.
"Our 2008 forecast is a year-on-year fall of 8%. How long it lasts depends on an easing of the credit markets. The longer we see constrained credit the longer the decline. If credit markets recover this autumn we'll see a smaller rate of decline in 2009. If they don't, we'll see further sustained falls.
"People who don't have to move won't. It will be a 'death, divorce and debt' market. For the rest, I suspect people know it will take time. They will stay away from the market. Whether to sell, buy or rent, though, is entirely dependent on your personal circumstances. There's no easy answer.
"Inevitably there will be a point where some people will take advantage of significant discounts, particularly in new builds. There will be opportunities for some."
和去年9月份相比，在伦敦3区我家附近，3居的house平均下跌10%，只有好房子和破房子才能卖，高不上低不就的，有买了近1年了，还是挂着牌子，不卖的开始出租了，反正是卖不动。2居flat和去年9月份的价格一样，没有下降。我认为去年9月份左右的价格是最高点。
已经买了房子的人士，应该注意到，最近的油价暴涨，通货膨胀所造成连错反应下，即使BOE减息，银行因为种种原因，相反可能会提升按揭利息，我的朋友在以前的discount到期后开始用普通的variable按揭，因为算来算去都一样，现在市场上没有好的rate，以后可能会更糟。
打算买房子要做好心理准备，房价跌了，mortgage利息生了，是否可以承受。
已经买了房子的人士，应该注意到，最近的油价暴涨，通货膨胀所造成连错反应下，即使BOE减息，银行因为种种原因，相反可能会提升按揭利息，我的朋友在以前的discount到期后开始用普通的variable按揭，因为算来算去都一样，现在市场上没有好的rate，以后可能会更糟。
打算买房子要做好心理准备，房价跌了，mortgage利息生了，是否可以承受。
借个地方问问， 希望楼主不要介意哦， 这个房价是降了还是要涨回来啊~~！？
很不知道到底是怎么的形势~~今天去看了个FLAT ， 要价129.950， 在看的时候， 中介一个劲的说什么什么房价在上涨回来的趋势， 他昨天刚卖了3间啊什么的，还有什么50亿的资金进入银行界芸芸~~~然后咧集中到那个FLAT 本身， 地段是不错的， 只是房子好小啊~~， 而且现在是出租， 里面住的人弄的好乱，不过她说会给全面的换地毯什么的，
唉， 一开始的时候中介说什么3星期前有个OFFER 是117， 没被接受， 所以我给了个118, 一开始还说的很好的样子， 回来后， 中介一个电话~说什么他看错房价了， 他把房子看成另一间125.550的了， 然后说价钱太低，不被接受啊什么的， 然后说老太太想要125，
唉， 偶们是喜欢呀， 因为宝宝过阵子要上幼儿园了， 附近正好有好的， 所以就又给了一个120， 然后咧，那是N个小时的磨蹭~~中介男又打回来了，说老太太坚持， 要125左右， 然后偶就一顿的说啊，什么房子太小什么的， 然后告诉他要是老太太想卖的就要下来价钱啦，~~~然后偶给了个121， 不过有警告中介不要继续打回来多要， 因为我们没考虑给高过这个价格~~~唉~~~我叹~~~怎么这么的难啊~~我算了算， 才下来个6% 的~差价~~
大家有谁知道的不， 市场是又变高了嘛！？对了， 偶在SOUTH！~
很不知道到底是怎么的形势~~今天去看了个FLAT ， 要价129.950， 在看的时候， 中介一个劲的说什么什么房价在上涨回来的趋势， 他昨天刚卖了3间啊什么的，还有什么50亿的资金进入银行界芸芸~~~然后咧集中到那个FLAT 本身， 地段是不错的， 只是房子好小啊~~， 而且现在是出租， 里面住的人弄的好乱，不过她说会给全面的换地毯什么的，
唉， 一开始的时候中介说什么3星期前有个OFFER 是117， 没被接受， 所以我给了个118, 一开始还说的很好的样子， 回来后， 中介一个电话~说什么他看错房价了， 他把房子看成另一间125.550的了， 然后说价钱太低，不被接受啊什么的， 然后说老太太想要125，
唉， 偶们是喜欢呀， 因为宝宝过阵子要上幼儿园了， 附近正好有好的， 所以就又给了一个120， 然后咧，那是N个小时的磨蹭~~中介男又打回来了，说老太太坚持， 要125左右， 然后偶就一顿的说啊，什么房子太小什么的， 然后告诉他要是老太太想卖的就要下来价钱啦，~~~然后偶给了个121， 不过有警告中介不要继续打回来多要， 因为我们没考虑给高过这个价格~~~唉~~~我叹~~~怎么这么的难啊~~我算了算， 才下来个6% 的~差价~~
大家有谁知道的不， 市场是又变高了嘛！？对了， 偶在SOUTH！~
对了， 补充一下， 网上找到的记录是2006年的时候， 那个FLAT 卖了125K ， 郁闷呀， 想要捡个BARGAIN都这么难嘛~~~利息又没怎么降的，真是都不想买了~~~大家给个建议嘛~~这种情况的我们要怎么处理比较好咧！！！？ 谢谢哦！~~
这个，那个，没有人能给个建议么！！@！！！？
记得120k以下免交stamp duty，不知道改了没有
现在是125K 了
I have found a few ex-council house, the price generally decrease 10% over last year! before negotiating...
also, there a lot of news these days says the mortgage rate is creasing a lot these days
therefore, I doubt whether I should buy a property now...
more comments are welcome
also, there a lot of news these days says the mortgage rate is creasing a lot these days
therefore, I doubt whether I should buy a property now...
more comments are welcome
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