<p>[倫敦] 英國最大的抵押貸款機構之一表示，隨着需求在伊朗戰爭開始時似乎保持穩定，英國房價在三月份意外上漲。</p>
<p>全國性抵押貸款公司在週二（3 月 31 日）表示，三月份平均房價上漲了 0.9%，達到 277,186 英鎊（472,269 新加坡元），相比上個月的 0.3% 增長有所上升。這是自 2024 年 12 月以來的最大增幅，超出了經濟學家對房價不變的預期。</p>
<p>該報告提供了在美國和以色列於 2 月 28 日對伊朗發起新一輪攻擊後，英國住房需求的早期快照，這推動了借貸成本的上升，並給全球市場帶來了動盪。它表明，在衝突的初期，買家依然表現出韌性。</p>
<p>按年計算，房價上漲了 2.2%。</p>
<p>然而，全國性抵押貸款公司的首席經濟學家羅伯特·加德納警告稱：“全球能源價格因中東局勢的發展而急劇上漲，對全球經濟構成了重大沖擊，前景變得不明朗。”</p>
<p>資本經濟學公司此前預測今年房價將上漲 3.5%，但在伊朗戰爭的背景下，現已下調了這一預測。</p>
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<p>“根據抵押貸款利率上漲的幅度以及經濟疲軟的程度，房價可能會以更温和的 1% 左右的幅度上漲，或者在不利情況下甚至停滯不前，” 資本經濟學的英國經濟學家阿什利·韋布表示。</p>
<p>貸款機構正在收緊交易；兩年期固定抵押貸款利率已飆升至 1.5 年來的最高水平。家庭也在推遲大宗消費，因為他們準備應對能源賬單的激增和利率上升的前景。</p>
<p>儘管如此，私營部門的數據仍然顯示英國房地產市場在年初表現積極，儘管一月份的官方數據並不強勁，尤其是在首都。</p>
<p>另見</p>
<p><img src="https://imageproxy.pbkrs.com/https://cassette.sphdigital.com.sg/image/businesstimes/16befb7f3cc1d942c2f3542f0e40ea5994d6fcd1f5da48238eabe5ff30791556/query-ZHByPTEmZj13ZWJwJnc9OTYw?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" alt="" original-src="https://imageproxy.pbkrs.com/https://cassette.sphdigital.com.sg/image/businesstimes/16befb7f3cc1d942c2f3542f0e40ea5994d6fcd1f5da48238eabe5ff30791556/query-ZHByPTEmZj13ZWJwJnc9OTYw"/></p>
<h3>英國房屋自 2015 年以來最為負擔得起，首付門檻依然存在</h3>
<p><img src="https://imageproxy.pbkrs.com/https://cassette.sphdigital.com.sg/image/businesstimes/3348d9deed9dc0ed23e6ad7bdb9b639b3389d690f12db64de83e39c96356c2ee/query-ZHByPTEmZj13ZWJwJnc9OTYw?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" alt="" original-src="https://imageproxy.pbkrs.com/https://cassette.sphdigital.com.sg/image/businesstimes/3348d9deed9dc0ed23e6ad7bdb9b639b3389d690f12db64de83e39c96356c2ee/query-ZHByPTEmZj13ZWJwJnc9OTYw"/></p>
<h3>英國房屋銷售預計因戰爭影響情緒而短期受挫</h3>
<p>英格蘭銀行週一表示，二月份房屋貸款在五個月內首次上升。</p>
<p>全國性抵押貸款公司表示，家庭財務依然穩健。儘管招聘整體放緩，就業情況仍然保持穩定，債務水平相對較低，近年來積累的儲蓄緩衝應有助於緩解新的生活成本壓力。</p>
<p>大多數現有抵押貸款持有者免受利率上升的直接影響，約 90% 的貸款為固定利率交易。彭博社</p>
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<p>英國房價在 3 月份意外上漲了 0.9%，達到了平均£277,186，標誌着自 2024 年 12 月以來的最強勁增長。這一激增違背了經濟學家的預期，正值伊朗戰爭持續進行，導致全球能源價格上漲並造成經濟不確定性。儘管年價格上漲了 2.2%，但由於潛在的抵押貸款利率上升和經濟疲軟，未來增長的預測已被下調。儘管面臨挑戰，家庭財務依然保持韌性，2 月份報告的住房貸款有所增加</p>

<p>[LONDON] UK house prices unexpectedly surged in March, said one of the country’s largest mortgage lenders, as demand appeared to hold up at the start of the Iran war.</p>
<div class="lb-trans"><p>[倫敦] 英國最大的抵押貸款機構之一表示，隨着需求在伊朗戰爭開始時似乎保持穩定，英國房價在三月份意外上漲。</p>
</div><p>Nationwide said on Tuesday (Mar 31) that average home values rose 0.9 per cent to £277,186 (S$472,269) in March, up from 0.3 per cent growth the previous month. It was the strongest increase since December 2024 and defied economists’ expectations of no change.</p>
<div class="lb-trans"><p>全國性抵押貸款公司在週二（3 月 31 日）表示，三月份平均房價上漲了 0.9%，達到 277,186 英鎊（472,269 新加坡元），相比上個月的 0.3% 增長有所上升。這是自 2024 年 12 月以來的最大增幅，超出了經濟學家對房價不變的預期。</p>
</div><p>The report provides an early snapshot of UK housing demand after the US and Israel launched fresh attacks against Iran on Feb 28, pushing up borrowing costs and bringing turbulence to global markets. It suggests buyers remained resilient in the early days of the conflict.</p>
<div class="lb-trans"><p>該報告提供了在美國和以色列於 2 月 28 日對伊朗發起新一輪攻擊後，英國住房需求的早期快照，這推動了借貸成本的上升，並給全球市場帶來了動盪。它表明，在衝突的初期，買家依然表現出韌性。</p>
</div><p>On an annual basis, prices were up 2.2 per cent.</p>
<div class="lb-trans"><p>按年計算，房價上漲了 2.2%。</p>
</div><p>However, Robert Gardner, Nationwide’s chief economist, warned that “the sharp rise in global energy prices in response to developments in the Middle East represents a significant shock to the global economy, clouding the outlook”.</p>
<div class="lb-trans"><p>然而，全國性抵押貸款公司的首席經濟學家羅伯特·加德納警告稱：“全球能源價格因中東局勢的發展而急劇上漲，對全球經濟構成了重大沖擊，前景變得不明朗。”</p>
</div><p>Capital Economics previously predicted that house prices would climb 3.5 per cent this year, but has now scaled back its forecast in the light of the Iran war.</p>
<div class="lb-trans"><p>資本經濟學公司此前預測今年房價將上漲 3.5%，但在伊朗戰爭的背景下，現已下調了這一預測。</p>
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</div><p>“Depending on how far mortgage rates rise and by how much the economy weakens, prices may rise by a more modest 1 per cent or so, or even stagnate in an adverse scenario,” said Ashley Webb, UK economist at Capital.</p>
<div class="lb-trans"><p>“根據抵押貸款利率上漲的幅度以及經濟疲軟的程度，房價可能會以更温和的 1% 左右的幅度上漲，或者在不利情況下甚至停滯不前，” 資本經濟學的英國經濟學家阿什利·韋布表示。</p>
</div><p>Lenders are pulling back deals; two-year fixed mortgage rates have soared to their highest in more than 1.5 years. Households are also postponing big-ticket purchases as they brace for a spike in energy bills and the prospect of interest-rate hikes.</p>
<div class="lb-trans"><p>貸款機構正在收緊交易；兩年期固定抵押貸款利率已飆升至 1.5 年來的最高水平。家庭也在推遲大宗消費，因為他們準備應對能源賬單的激增和利率上升的前景。</p>
</div><p>Private sector data has nonetheless pointed to a positive start to the year for the UK property market, although official figures for January were not as strong – particularly in the capital.</p>
<div class="lb-trans"><p>儘管如此，私營部門的數據仍然顯示英國房地產市場在年初表現積極，儘管一月份的官方數據並不強勁，尤其是在首都。</p>
</div><p>SEE ALSO</p>
<div class="lb-trans"><p>另見</p>
</div><p><img src="https://imageproxy.pbkrs.com/https://cassette.sphdigital.com.sg/image/businesstimes/16befb7f3cc1d942c2f3542f0e40ea5994d6fcd1f5da48238eabe5ff30791556/query-ZHByPTEmZj13ZWJwJnc9OTYw" alt="" original-src="https://cassette.sphdigital.com.sg/image/businesstimes/16befb7f3cc1d942c2f3542f0e40ea5994d6fcd1f5da48238eabe5ff30791556?w=960&amp;dpr=1&amp;f=webp"/></p>
<h3>English homes most affordable since 2015, deposit hurdle remains</h3>
<div class="lb-trans"><h3>英國房屋自 2015 年以來最為負擔得起，首付門檻依然存在</h3>
</div><p><img src="https://imageproxy.pbkrs.com/https://cassette.sphdigital.com.sg/image/businesstimes/3348d9deed9dc0ed23e6ad7bdb9b639b3389d690f12db64de83e39c96356c2ee/query-ZHByPTEmZj13ZWJwJnc9OTYw" alt="" original-src="https://cassette.sphdigital.com.sg/image/businesstimes/3348d9deed9dc0ed23e6ad7bdb9b639b3389d690f12db64de83e39c96356c2ee?w=960&amp;dpr=1&amp;f=webp"/></p>
<h3>UK home sales seen taking short-term hit as war damps sentiment</h3>
<div class="lb-trans"><h3>英國房屋銷售預計因戰爭影響情緒而短期受挫</h3>
</div><p>The Bank of England said on Monday that home loans rose for the first time in five months in February.</p>
<div class="lb-trans"><p>英格蘭銀行週一表示，二月份房屋貸款在五個月內首次上升。</p>
</div><p>Household finances remain resilient, Nationwide said. Employment has held up, despite a broader slowdown in hiring, debt levels are relatively low, and savings buffers built up in recent years should help cushion new cost-of-living pressures.</p>
<div class="lb-trans"><p>全國性抵押貸款公司表示，家庭財務依然穩健。儘管招聘整體放緩，就業情況仍然保持穩定，債務水平相對較低，近年來積累的儲蓄緩衝應有助於緩解新的生活成本壓力。</p>
</div><p>Most existing mortgage holders are shielded from the immediate impact of higher interest rates, with around 90 per cent on fixed-rate deals. BLOOMBERG</p>
<div class="lb-trans"><p>大多數現有抵押貸款持有者免受利率上升的直接影響，約 90% 的貸款為固定利率交易。彭博社</p>
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UK home prices in fastest rise since 2024; Iran war ‘clouding the outlook’

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英國房價自 2024 年以來最快上漲；伊朗戰爭 ‘使前景不明朗’