8月份，英国的抵押贷款需求跌至32个月以来的最低水平，因为与伊朗战争相关的成本上升阻碍了购房者的购房意愿。
Demand for UK mortgages slumped to a 32-month low in August as buyers were deterred by rising costs linked to the war in Iran.
根据英格兰银行周二发布的数据，8月份仅有54,918笔用于购买新房的抵押贷款获得批准，这是自2023年12月以来的最低月度记录。
Just 54,918 mortgages for new home purchases were approved in August, the Bank of England reported on Tuesday, the lowest monthly total since December 2023.
经过季节性调整后的数据显示，自2月份伊朗战争爆发以来，英国抵押贷款利率的上升导致了油价上涨，同时也削弱了人们对于降息的预期。
The data, which is seasonally adjusted, shows the impact of the rise in UK mortgage rates since outbreak of the war in Iran in late February began pushing up the price of oil, and sinking hopes of interest rate cuts.
Knight Frank Finance公司的管理合伙人Simon Gammon表示：“由于能源价格不断上涨，购房活动在整个夏季都持续疲软。8月份，向购房者提供的贷款金额比去年同期减少了15%。”
Simon Gammon, managing partner at Knight Frank Finance, said: “Buying activity weakened through the summer as rising energy prices pushed up borrowing costs. Lending to homebuyers fell 15% in August compared to the same month a year earlier.”
重新抵押（即更换现有抵押贷款）的审批数量也从7月份的34,600笔下降到了8月份的约34,000笔。
Approvals for remortgaging dipped to about 34,000 in August, from 34,600 in July.
英格兰银行还指出，8月份新发放抵押贷款的“实际”利率从7月份的4.45%上升到了4.60%。分析师警告称，这些不断上升的借贷成本正在对房地产行业造成负面影响。
The Bank found that the“effective” interest rate on newly drawn mortgages increased to 4.60% in August, from 4.45% in July. Analysts warned that these rising borrowing costs were taking a toll on activity in the housing sector.
KPMG UK金融服务咨询部门的负责人Katie Clinton表示：“8月份抵押贷款审批数量的进一步下降表明，由于伊朗冲突引发的通胀和利率上升，购房者的负担仍在持续加重，从而影响了购房需求。”
“A further fall in mortgage approvals in August points to affordability pressures continuing to weigh on housing demand, as the shocks from the Iran conflict push up both inflation and mortgage rates,” said Katie Clinton, the head of financial services advisory at KPMG UK.
Moneyfacts（一家金融产品数据公司）报告称，周二五年期固定利率抵押贷款的平均利率达到了2023年10月以来的最高水平，达到了5.94%。
“Meanwhile, the drop in remortgaging suggests refinancing demand softened, despite many borrowers reaching the end of existing fixed term rates.”
根据Moneyfacts的数据，两年期固定利率抵押贷款的利率也达到了2024年7月以来的最高水平，为5.93%。
Moneyfacts, the financial product data company, reported that the average five-year fixed mortgage rate hit its highest level since October 2023, at 5.94%, on Tuesday.
资本经济公司（Capital Economics）的英国首席经济学家保罗·戴尔斯（Paul Dales）警告称，如果抵押贷款利率在2027年的大部分时间里都保持在4.5%以上，那么这一因素对经济活动的影响将比政府本周早些时候宣布的针对首次购房者的“首次购房计划”（“Your First Home”计划）更为显著。
Two-year fixed mortgages are the most expensive since July 2024, at 5.93%, according to Moneyfacts. Paul Dales, the chief UK economist at Capital Economics, warned that prospect of mortgage rates staying above 4.5% for most of 2027 would have a larger influence on activity than the government’s new “Your First Home” scheme for first-time buyers, announced earlier this week.