<p>首批主要贷款机构已提高抵押贷款利率，因为中东冲突和潜在的通胀冲击推高了借贷成本。</p>
<p>汇丰银行和考文垂建筑协会宣布，从本周开始其固定利率将上调。挑战者贷款机构 Gen H 表示，由于 “全球不确定性”，它已取消了之前的降息。</p>
<p>在上周末战争爆发之前，市场曾预计英格兰银行将再两次下调当前为 3.75% 的银行利率，预计 3 月份降息的可能性为 85%。</p>
<p>但市场现在只预计 2026 年剩余时间内将有一次降息，这表明抵押贷款利率将维持在较高水平更长时间。</p>
<p>考文垂建筑协会告知客户，从 3 月 8 日起将提高所有住宅和出租房抵押贷款的固定利率。汇丰银行表示将从周五开始提高其利率。</p>
<p>周三，一家较小的贷款机构 Gen H 取消了原本计划的降息，反而提高了最高达 0.25 个百分点的利率。该贷款机构表示：“伊朗的战争正在给全球市场带来不确定性。”</p>
<p>根据金融分析公司 Moneyfacts 的数据，周四早晨，五年期固定利率的平均水平为 4.95%。</p>
<p>寻找两年期贷款的人可以期待平均利率为 4.83%——与周三相比，这两个平均值都有所上升。</p>
<p>官方数据显示，今年 1 月通胀降至 10 个月来的最低点 3.2%，预计到 4 月将接近英格兰银行的 2% 目标。但这些预测现在已过时，因为油价的急剧上涨可能会再次推高通胀。</p>
<p>自以色列和美国上周六开始轰炸伊朗以来，布伦特原油价格已上涨 12%。</p>
<p>国家经济与社会研究所（National Institute of Economic and Social Research）表示，如果能源价格持续上涨，可能迫使英格兰银行将利率推回 4% 以上。</p>
<p>英格兰银行将于 3 月 19 日宣布最新的利率决定。</p>
<p>今年早些时候，各大银行曾竞争降低利率，巴克莱银行将两年期抵押贷款利率降至最低 3.70%。全国建筑协会的利率也降至最低 3.58%。</p>
<p>抵押贷款利率即将上涨的另一个迹象是，固定利率的主要定价机制掉期利率在周三达到了 30 天的最高点。</p>
<p>五年期掉期利率从冲突开始前的 3.50% 上涨了 6%，至周三的 3.71%。通常，掉期利率的变化需要大约两到三周才能传导到贷款机构。</p>
<p>L&amp;C Mortgages 的 David Hollingworth 表示：“一旦我们进入贷款机构调整利率的周期，我们知道这几乎总是会导致其他机构跟随。当前的不确定性意味着这种上行压力看起来不会迅速缓解，尽管市场反应至少在目前有平稳的迹象。”</p>
<p>Trinity Financial 的 Aaron Strutt 表示：“我们几乎可以肯定在接下来的几天里会看到更多的利率变化，因此如果你正在寻找抵押贷款，现在锁定一个新交易是值得的。”</p>
<p>Anderson Harris 的抵押贷款经纪人 Adrian Anderson 表示：“一两周前一切看起来都非常乐观，对抵押贷款市场非常有利。现在，情况显然更加不确定。”</p>
<p>他补充道：“这显示了市场的脆弱性。”</p>

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<p>主要贷款机构，包括汇丰银行和考文垂建筑协会，由于中东持续冲突和日益上升的通胀担忧，已提高了抵押贷款利率。挑战者贷款机构 Gen H 也撤回了之前的降息，理由是全球不确定性。这些变化反映了当前经济环境中借款成本的上升</p>

<p>The first major lenders have raised mortgage rates as the conflict in the Middle East and a potential inflation shock push up the price of borrowing.</p>
<div class="lb-trans"><p>首批主要贷款机构已提高抵押贷款利率，因为中东冲突和潜在的通胀冲击推高了借贷成本。</p>
</div><p>HSBC and Coventry Building Society announced their fixed rates would increase from this week. Challenger lender, Gen H, said it had reversed a cut because of “global uncertainty”.</p>
<div class="lb-trans"><p>汇丰银行和考文垂建筑协会宣布，从本周开始其固定利率将上调。挑战者贷款机构 Gen H 表示，由于 “全球不确定性”，它已取消了之前的降息。</p>
</div><p>Before the outbreak of the war last weekend, markets had been expecting the Bank of England to cut the Bank Rate – currently 3.75pc – twice more this year, with an estimated 85pc chance of a reduction in March.</p>
<div class="lb-trans"><p>在上周末战争爆发之前，市场曾预计英格兰银行将再两次下调当前为 3.75% 的银行利率，预计 3 月份降息的可能性为 85%。</p>
</div><p>But markets now only expect one cut for the rest of 2026, suggesting that mortgage rates will remain higher for longer.</p>
<div class="lb-trans"><p>但市场现在只预计 2026 年剩余时间内将有一次降息，这表明抵押贷款利率将维持在较高水平更长时间。</p>
</div><p>Coventry Building Society told its customers it was increasing all fixed rates for residential and buy-to-let mortgages from March 8. HSBC said it would increase its rates from Friday.</p>
<div class="lb-trans"><p>考文垂建筑协会告知客户，从 3 月 8 日起将提高所有住宅和出租房抵押贷款的固定利率。汇丰银行表示将从周五开始提高其利率。</p>
</div><p>On Wednesday, a smaller lender, Gen H, reversed a cut it had been poised to make and instead made rate increases of up to 0.25 percentage points. The lender said: “The war in Iran is creating uncertainty in global markets.”</p>
<div class="lb-trans"><p>周三，一家较小的贷款机构 Gen H 取消了原本计划的降息，反而提高了最高达 0.25 个百分点的利率。该贷款机构表示：“伊朗的战争正在给全球市场带来不确定性。”</p>
</div><p>The average five-year fixed-rate deal was 4.95pc on Thursday morning, according to financial analysts Moneyfacts.</p>
<div class="lb-trans"><p>根据金融分析公司 Moneyfacts 的数据，周四早晨，五年期固定利率的平均水平为 4.95%。</p>
</div><p>Those looking for a two-year deal could expect an average rate of 4.83pc – with both averages ticking up slightly compared to Wednesday.</p>
<div class="lb-trans"><p>寻找两年期贷款的人可以期待平均利率为 4.83%——与周三相比，这两个平均值都有所上升。</p>
</div><p>Inflation fell to a ten-month low of 3.2pc in January this year, official figures showed, with predictions that it would fall close to the Bank of England’s 2pc target by April. But these estimates are now out-of-date, as the sharp jump in the cost of oil is likely to drive up inflation once more.</p>
<div class="lb-trans"><p>官方数据显示，今年 1 月通胀降至 10 个月来的最低点 3.2%，预计到 4 月将接近英格兰银行的 2% 目标。但这些预测现在已过时，因为油价的急剧上涨可能会再次推高通胀。</p>
</div><p>Brent crude prices have jumped by 12pc since Israel and the US began bombing Iran on Saturday.</p>
<div class="lb-trans"><p>自以色列和美国上周六开始轰炸伊朗以来，布伦特原油价格已上涨 12%。</p>
</div><p>The National Institute of Economic and Social Research, an economic think tank, said if higher energy prices persist, it could force the Bank of England to push interest rates back up above 4pc.</p>
<div class="lb-trans"><p>国家经济与社会研究所（National Institute of Economic and Social Research）表示，如果能源价格持续上涨，可能迫使英格兰银行将利率推回 4% 以上。</p>
</div><p>The Bank of England will announce its latest interest rate decision on March 19.</p>
<div class="lb-trans"><p>英格兰银行将于 3 月 19 日宣布最新的利率决定。</p>
</div><p>Earlier this year, banks had been competing to lower rates, with Barclays lowering rates on two-year mortgages to as little as 3.70pc. Nationwide also dropped rates to as low as 3.58pc.</p>
<div class="lb-trans"><p>今年早些时候，各大银行曾竞争降低利率，巴克莱银行将两年期抵押贷款利率降至最低 3.70%。全国建筑协会的利率也降至最低 3.58%。</p>
</div><p>Another indication that mortgage rates will jump was that swap rates, the main pricing mechanism for fixed rates, hit 30-day highs on Wednesday.</p>
<div class="lb-trans"><p>抵押贷款利率即将上涨的另一个迹象是，固定利率的主要定价机制掉期利率在周三达到了 30 天的最高点。</p>
</div><p>The five-year swap rose by 6pc from 3.50pc on Friday, before the conflict started, to 3.71pc on Wednesday. It usually takes approximately two to three weeks for changes in swap rates to filter through to lenders.</p>
<div class="lb-trans"><p>五年期掉期利率从冲突开始前的 3.50% 上涨了 6%，至周三的 3.71%。通常，掉期利率的变化需要大约两到三周才能传导到贷款机构。</p>
</div><p>David Hollingworth, of broker L&amp;C Mortgages, said: “Once we enter this cycle of lenders adjusting their rates, we know that it almost invariably results in others following suit. The current uncertainty means that this upward pressure doesn’t look likely to ease quickly, although there are signs that the market reaction is at least levelling off for now.”</p>
<div class="lb-trans"><p>L&amp;C Mortgages 的 David Hollingworth 表示：“一旦我们进入贷款机构调整利率的周期，我们知道这几乎总是会导致其他机构跟随。当前的不确定性意味着这种上行压力看起来不会迅速缓解，尽管市场反应至少在目前有平稳的迹象。”</p>
</div><p>Aaron Strutt, of broker Trinity Financial, said: “It seems almost certain we are going to see a lot more rate changes over the coming days, so if you are on the hunt for a mortgage, it is worth locking into a new deal now.”</p>
<div class="lb-trans"><p>Trinity Financial 的 Aaron Strutt 表示：“我们几乎可以肯定在接下来的几天里会看到更多的利率变化，因此如果你正在寻找抵押贷款，现在锁定一个新交易是值得的。”</p>
</div><p>Adrian Anderson, a mortgage broker at Anderson Harris, said: “It was all looking very encouraging a week or two weeks ago, very encouraging for the mortgage market. Now, it is definitely much more uncertain.”</p>
<div class="lb-trans"><p>Anderson Harris 的抵押贷款经纪人 Adrian Anderson 表示：“一两周前一切看起来都非常乐观，对抵押贷款市场非常有利。现在，情况显然更加不确定。”</p>
</div><p>He added: “It shows how delicate the market is.”</p>
<div class="lb-trans"><p>他补充道：“这显示了市场的脆弱性。”</p>
</div>

Banks raise mortgages rates as war in Iran hits borrowing costs

- 大型贷款机构提高房贷利率，因中东冲突和通胀压力。  
- 汇丰银行和科文垂建筑协会宣布固定利率本周上涨。  
- 预计房贷利率将长期维持高位，市场反应趋于平稳。

由于伊朗战争导致借贷成本上升，银行提高了抵押贷款利率