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Www Interestratefixedmortgage Tag Shop Displays Interest Rate Fixed Mortgage 英国房屋贷款市场趋势：2010年 - GII

Www Interestratefixedmortgage Tag Shop Displays Interest Rate Fixed Mortgage

societies experienced a net outflow of retail deposits for the first time since records began in 1955

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Figure 8: Gross lending by specialists has collapsed since the onset of the banking crisis

Figure 9: LBG saw the biggest fall in gross lending of the top providers in 2009

Figure 10: The total number of buy-to-let products remains low

Figure 11: The number of mortgage products has increased slightly over the last 12 months

Figure 12: High LTV lending has been restricted since mid 2008

Figure 13: The availability of LTV mortgages at above 90% has gradually improved since mid 2009

Figure 14: The cost of two-year fixed rate mortgages is falling

Figure 15: Margins have been gradually shrinking over the last six months

Figure 16: HSBC is marketing a combined fixed and variable rate mortgage

Figure 17: John Charcol offers an alternative to traditional fixed rates

Figure 18: Many of Nationwide' s best deals are only available to its current account holders

Figure 19: Lloyds TSB and Halifax offer preferential mortgage rates to their bank account customers

Figure 4: Since the mid-1990s the affordability of first-time mortgages has halved

Figure 5: First-time buyer deposits have sharply escalated since the late 1990s

Figure 6: Lloyds TSB is heavily promoting its Lend A Hand mortgage in the press

Figure 7: Standard Chartered in Hong Kong offers several different options for repayment

Figure 8: Westpac New Zealand borrowers can split their mortgage between fixed and variable rates

Figure 9: Garanti Bank boasts an integrated property portal

Figure 10: Several Australian banks offer packaged bundles of products at preferential rates

Figure 11: Santander offers a fee-free current account exclusively to its mortgage holders

Figure 12: has entered the mortgage comparison market

Figure 1: Buy-to-let gross lending fell drastically between 2007 and 2009

Figure 2: The decline in buy-to-let lending activity accelerated in the third quarter of 2008

Figure 3: 75% of mortgage intermediaries experienced a fall in buy-to-let gross advances in 2009

Figure 4: Buy-to-let advertising activity ground to a halt in 2009

Figure 5: The number of buy-to-let products has stagnated since May 2008

Figure 6: Arrears on buy-to-let mortgages have generally been lower than for the market as a whole

Figure 7: Repossession rates on buy-to-let mortgages have matched those for all mortgages

Figure 8: Buy-to-let lending is unlikely to rise or fall sharply in the foreseeable future, according to brokers

Figure 9: More letting offices reported seeing landlords buy property than sell in 2009

Figure 10: The proportion of letting offices reporting more tenants than properties recovered in 2009

Figure 11: Only around one in 10 letting offices saw an increase in achievable rents in 2009

Figure 12: Fewer letting offices saw an increase in rental supply due to an inability to sell properties in 2009

Figure 13: In Datamonitor' s view, buy-to-let gross advances will rise to £25.6 billion by 2014

Figure 14: Buy-to-let gross advances will reach £35 billion in 2014 under the optimistic forecast

Figure 15: The pessimistic forecast sees buy-to-let gross advances reaching £11.5 billion in 2014

Figure 1: RMBS public issuance fell away sharply in late 2007, and remains at negligible levels

Figure 2: Retained RMBS issues have almost completely replaced public issues

Figure 3: Throughout 2008, lenders stated that wholesale conditions were driving reduced credit availability

Figure 4: Quarterly changes in mortgage credit availability

Figure 5: The number of available mortgage products fell steeply in late 2007 and 2008

Figure 6: There was a sharp fall in the maximum LTVs available in 2008

Figure 7: The number of available 90%-plus LTV mortgage products collapsed in early 2009

Figure 8: Lending criteria tightened and loan approval rates fell drastically during the credit crunch

Figure 9: Spreads on mortgages rose significantly from late 2007 through to mid-2009

Figure 10: Spreads on variable rate mortgages ballooned in 2009

Figure 11: Gross lending by specialist lenders collapsed in 2008

Figure 12: Self-certification mortgages have been completely unavailable since November 2009

Figure 13: Banks' share of gross lending has significant increased during the funding crisis

Figure 14: Building society retail deposits fell in 2009 for the first time since records began in 1955

Figure 15: New issues of mortgage covered bonds in UK grew threefold between 2007 and 2008

Figure 16: Growth in retail deposits has slowed down since the base rate fell to a record low

Figure 17: The funding gap between customer loans and deposits rose to 30% by 2007

Figure 1: The number of possessions in 2009 came in considerably below expectations

Figure 2: Arrears also ended the year below forecasts

Figure 3: Arrears and possessions have risen significantly since the start of the downturn

Figure 4: Arrears are rising faster based on months outstanding rather than as a proportion of total balance

Figure 5: Arrears peaked in the second quarter of 2009 before gradually falling

Figure 6: The number of possessions on mortgaged properties fell over the course of 2009

Figure 7: There has only been a fall in mortgages that are less than 5% in arrears

Figure 8: Loss of income is by far the biggest factor driving arrears

Figure 9: Following 12 months of improvement, lenders are expecting defaults and losses to start rising

Figure 10: The number of mortgages in arrears will reach 239,100 in 2014 in Datamonitor' s view

Figure 11: The non-standard population will peak in 2012

Figure 12: The sub-prime population will rise up to 2013 before starting to fall

Figure 13: Possession actions on mortgaged properties fell sharply in late 2008

Figure 14: Formal arrangements to repay arrears rose rapidly throughout 2008

Figure 15: Possessions are considerably below the levels experienced during the 1990s

Figure 16: The MRS has provided help for a limited number of households

Figure 17: Over half of borrowers in arrears contacted their lender before or as soon as they got into difficulty

Figure 18: Only a small proportion of borrowers are in significant arrears at present

Figure 19: The likelihood of arrears rises in line with the lack of affordability

Figure 20: All social classes have proved equally susceptible to missed payments

Figure 21: Summary of lenders' mortgage books in 2009

Figure 22: The arrears rates of the major providers are either in line with or below the market average

Figure 23: Barclays and Nationwide enjoy the lowest LTVs on their mortgage books

Figure 24: LBG has had to make the largest provision for impairments

Figure 25: Nationwide' s Mortgage Charter outlines the help that it will provide to homeowners in difficulty

TABLE OF TABLES

Table 1: Forecast gross lending under the Datamonitor scenario
Table 2: Forecast gross lending under the optimistic scenario, 2010f-14f
Table 3: Forecast gross lending under the pessimistic scenario, 2010f-14f
Table 4: The number of building societies in the UK continues to decline
Table 5: Variable rates offered by main buy-to-let lenders, June 2009 to March 2010
Table 6: Maximum LTVs offered by main buy-to-let lenders, June 2009 to March 2010
Table 7: Fees charged by main buy-to-let lenders, June 2009 to March 2010
Table 8: Minimum advances offered by main buy-to-let lenders, June 2009 to March 2010
Table 9: Maximum advances offered by main buy-to-let lenders, June 2009 to March 2010
Table 10: Maximum portfolios allowed by main buy-to-let lenders, June 2009 to March 2010
Table 11: Eligibility of first-time buyers by main buy-to-let lenders, June 2009 to March 2010
Table 12: Buy-to-let lenders listed by Moneyfacts, March 2010
Table 13: Forecast buy-to-let gross advances under the Datamonitor view, 2010-14
Table 14: Forecast buy-to-let gross advances under the optimistic view, 2010-14
Table 15: Forecast buy-to-let gross advances under the pessimistic view, 2010-14
Table 16: Forecasts for the number of mortgages more than three months in arrears, 2010-14
Table 17: UK gross annual lending (£m), 2003-09
Table 18: Gross mortgage lending by product line, 2004-09
Table 19: Net balance of lenders reporting increase in demand for remortgage credit
Table 20: Net balance of lenders reporting improvements in credit availability and credit scoring criteria
Table 21: Index of gross lending by specialist lenders and MFIs (Jan 1994 = 100)
Table 22: Public issuances of residential mortgage-backed securities (£ billion)
Table 23: Monthly and annual changes in house prices, January 2007-January 2010
Table 24: Net balance of lenders reporting that an increase in house prices is boosting credit availability
Table 25: Interest rates on fixed-rate mortgages
Table 26: Net balance of lenders reporting an increase in mortgage availability
Table 27: Net balance of lenders reporting an increase in maximum LTVs
Table 28: Average size of deposits paid by first-time buyers, January 2007-December 2009
Table 29: Comparison of interest rates, 2007-10
Table 30: Arrears and repossessions, 2004-09
Table 31: Share of total gross lending, 2008-09
Table 32: Total number of mortgage products, February 2007-July 2010
Table 33: Outstanding mortgage balances (£bn), by provider, 2008-09
Table 34: Outstanding balances (£bn) by type of provider, 2000-09
Table 35: Net change in building society retail deposits (£m), 1955-2009
Table 36: Share of gross lending by type of lender, 2000-09
Table 37: Index of gross lending by specialist lenders and MFIs (January 1994 = 100)
Table 38: Gross mortgage lending (£bn), 2008-09
Table 39: Total number of buy-to-let mortgage products, March 2007-July 2010
Table 40: Distribution of LTVs on gross lending (percentage of new lending by value)
Table 41: Total number of LTV mortgages at above 90%, August 2008-July 2010
Table 42: Average quoted rate on two-year fixed rate mortgages (%), February 2007-June 2010
Table 43: Distribution of margins above base rate on gross lending
Table 44: Percentage of dwellings in the UK that are owner occupied
Table 45: Owner occupation rates across Europe in 2008
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