<p>首批主要貸款機構已提高抵押貸款利率，因為中東衝突和潛在的通脹衝擊推高了借貸成本。</p>
<p>滙豐銀行和考文垂建築協會宣佈，從本週開始其固定利率將上調。挑戰者貸款機構 Gen H 表示，由於 “全球不確定性”，它已取消了之前的降息。</p>
<p>在上週末戰爭爆發之前，市場曾預計英格蘭銀行將再兩次下調當前為 3.75% 的銀行利率，預計 3 月份降息的可能性為 85%。</p>
<p>但市場現在只預計 2026 年剩餘時間內將有一次降息，這表明抵押貸款利率將維持在較高水平更長時間。</p>
<p>考文垂建築協會告知客户，從 3 月 8 日起將提高所有住宅和出租房抵押貸款的固定利率。滙豐銀行表示將從週五開始提高其利率。</p>
<p>週三，一家較小的貸款機構 Gen H 取消了原本計劃的降息，反而提高了最高達 0.25 個百分點的利率。該貸款機構表示：“伊朗的戰爭正在給全球市場帶來不確定性。”</p>
<p>根據金融分析公司 Moneyfacts 的數據，週四早晨，五年期固定利率的平均水平為 4.95%。</p>
<p>尋找兩年期貸款的人可以期待平均利率為 4.83%——與週三相比，這兩個平均值都有所上升。</p>
<p>官方數據顯示，今年 1 月通脹降至 10 個月來的最低點 3.2%，預計到 4 月將接近英格蘭銀行的 2% 目標。但這些預測現在已過時，因為油價的急劇上漲可能會再次推高通脹。</p>
<p>自以色列和美國上週六開始轟炸伊朗以來，布倫特原油價格已上漲 12%。</p>
<p>國家經濟與社會研究所（National Institute of Economic and Social Research）表示，如果能源價格持續上漲，可能迫使英格蘭銀行將利率推回 4% 以上。</p>
<p>英格蘭銀行將於 3 月 19 日宣佈最新的利率決定。</p>
<p>今年早些時候，各大銀行曾競爭降低利率，巴克萊銀行將兩年期抵押貸款利率降至最低 3.70%。全國建築協會的利率也降至最低 3.58%。</p>
<p>抵押貸款利率即將上漲的另一個跡象是，固定利率的主要定價機制掉期利率在週三達到了 30 天的最高點。</p>
<p>五年期掉期利率從衝突開始前的 3.50% 上漲了 6%，至週三的 3.71%。通常，掉期利率的變化需要大約兩到三週才能傳導到貸款機構。</p>
<p>L&amp;C Mortgages 的 David Hollingworth 表示：“一旦我們進入貸款機構調整利率的週期，我們知道這幾乎總是會導致其他機構跟隨。當前的不確定性意味着這種上行壓力看起來不會迅速緩解，儘管市場反應至少在目前有平穩的跡象。”</p>
<p>Trinity Financial 的 Aaron Strutt 表示：“我們幾乎可以肯定在接下來的幾天裏會看到更多的利率變化，因此如果你正在尋找抵押貸款，現在鎖定一個新交易是值得的。”</p>
<p>Anderson Harris 的抵押貸款經紀人 Adrian Anderson 表示：“一兩週前一切看起來都非常樂觀，對抵押貸款市場非常有利。現在，情況顯然更加不確定。”</p>
<p>他補充道：“這顯示了市場的脆弱性。”</p>

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<p>主要貸款機構，包括滙豐銀行和考文垂建築協會，由於中東持續衝突和日益上升的通脹擔憂，已提高了抵押貸款利率。挑戰者貸款機構 Gen H 也撤回了之前的降息，理由是全球不確定性。這些變化反映了當前經濟環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>首批主要貸款機構已提高抵押貸款利率，因為中東衝突和潛在的通脹衝擊推高了借貸成本。</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>滙豐銀行和考文垂建築協會宣佈，從本週開始其固定利率將上調。挑戰者貸款機構 Gen H 表示，由於 “全球不確定性”，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>在上週末戰爭爆發之前，市場曾預計英格蘭銀行將再兩次下調當前為 3.75% 的銀行利率，預計 3 月份降息的可能性為 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>但市場現在只預計 2026 年剩餘時間內將有一次降息，這表明抵押貸款利率將維持在較高水平更長時間。</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>考文垂建築協會告知客户，從 3 月 8 日起將提高所有住宅和出租房抵押貸款的固定利率。滙豐銀行表示將從週五開始提高其利率。</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>週三，一家較小的貸款機構 Gen H 取消了原本計劃的降息，反而提高了最高達 0.25 個百分點的利率。該貸款機構表示：“伊朗的戰爭正在給全球市場帶來不確定性。”</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>根據金融分析公司 Moneyfacts 的數據，週四早晨，五年期固定利率的平均水平為 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>尋找兩年期貸款的人可以期待平均利率為 4.83%——與週三相比，這兩個平均值都有所上升。</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>官方數據顯示，今年 1 月通脹降至 10 個月來的最低點 3.2%，預計到 4 月將接近英格蘭銀行的 2% 目標。但這些預測現在已過時，因為油價的急劇上漲可能會再次推高通脹。</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>自以色列和美國上週六開始轟炸伊朗以來，布倫特原油價格已上漲 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>國家經濟與社會研究所（National Institute of Economic and Social Research）表示，如果能源價格持續上漲，可能迫使英格蘭銀行將利率推回 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>英格蘭銀行將於 3 月 19 日宣佈最新的利率決定。</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>今年早些時候，各大銀行曾競爭降低利率，巴克萊銀行將兩年期抵押貸款利率降至最低 3.70%。全國建築協會的利率也降至最低 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>抵押貸款利率即將上漲的另一個跡象是，固定利率的主要定價機制掉期利率在週三達到了 30 天的最高點。</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>五年期掉期利率從衝突開始前的 3.50% 上漲了 6%，至週三的 3.71%。通常，掉期利率的變化需要大約兩到三週才能傳導到貸款機構。</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：“一旦我們進入貸款機構調整利率的週期，我們知道這幾乎總是會導致其他機構跟隨。當前的不確定性意味着這種上行壓力看起來不會迅速緩解，儘管市場反應至少在目前有平穩的跡象。”</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：“我們幾乎可以肯定在接下來的幾天裏會看到更多的利率變化，因此如果你正在尋找抵押貸款，現在鎖定一個新交易是值得的。”</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 的抵押貸款經紀人 Adrian Anderson 表示：“一兩週前一切看起來都非常樂觀，對抵押貸款市場非常有利。現在，情況顯然更加不確定。”</p>
</div><p>He added: “It shows how delicate the market is.”</p>
<div class="lb-trans"><p>他補充道：“這顯示了市場的脆弱性。”</p>
</div>

Banks raise mortgages rates as war in Iran hits borrowing costs

- 大型貸款機構提高房貸利率，因中東衝突和通脹壓力。  
- 滙豐銀行和科文垂建築協會宣佈固定利率本週上漲。  
- 預計房貸利率將長期維持高位，市場反應趨於平穩。

由於伊朗戰爭導致借貸成本上升，銀行提高了抵押貸款利率