英國(guó)將房貸還款年齡延至85歲

Nationwide is raising its age limit for people paying off mortgages by 10 years to 85, in the latest sign of the impact of rising house prices on buyers.

英國(guó)房?jī)r(jià)上漲的影響再顯現(xiàn)：全英房屋抵押貸款協(xié)會(huì)近日將英國(guó)居民還清房貸的年齡上限延長(zhǎng)了10年，至85歲。

The building society said the increase was due to "growing demand", and the limit would be in force from July.

該協(xié)會(huì)稱，此次調(diào)整源于“不斷增長(zhǎng)的購(gòu)房需求”。新政將于今年7月開(kāi)始實(shí)施。

It means a 60-year-old could take out a 25-year mortgage as long as they prove they can afford the repayments.

這就意味著，只要能證明自己可以還得清，一個(gè)65歲的人可以申請(qǐng)長(zhǎng)達(dá)25年的房屋抵押貸款。

The move comes as Halifax increases its age limit for mortgages from 75 to 80 from Monday.

就在本周一(5月9日)，Halifax(英國(guó)最大按揭貸款機(jī)構(gòu))剛剛將辦理房屋抵押貸款的年齡上限由75歲提高至80歲。

There have been calls for the industry to do more to help older buyers after tougher mortgage checks, introduced in the wake of the financial crisis, have made it harder for middle-aged people to get a home loan.

金融危機(jī)發(fā)生后，房屋抵押貸款門(mén)檻提高，導(dǎo)致中年人越發(fā)難以獲得購(gòu)房貸款，因此就有聲音呼吁房地產(chǎn)業(yè)為大齡購(gòu)房者爭(zhēng)取權(quán)益。

'Controlled manner'

當(dāng)局稱新政很“節(jié)制”

Rising house prices have exacerbated the issue, with many people not able to afford to buy their first home until they are in their thirties or forties.

不斷上漲的房?jī)r(jià)進(jìn)一步惡化了這個(gè)問(wèn)題，因?yàn)楹芏嗳说玫鹊?0多歲甚至40多歲的時(shí)候，才能買得起首套房。

Nationwide said the new age limit would apply to existing customers for all its standard mortgages, but the maximum loan size would be £150,000, and could be no greater than 60% of the property value.

全英房屋抵押貸款協(xié)會(huì)稱，新的年齡上限適用于所有正在申請(qǐng)標(biāo)準(zhǔn)型抵押貸款的購(gòu)房者，貸款額上限為15萬(wàn)英鎊，且不高于房屋總價(jià)的60%。

"Access to the mainstream market has been a challenge for older customers, resulting in their needs going unfulfilled. This measure helps to address these needs in a prudent, controlled manner," said Nationwide head of mortgages Henry Jordan.

全英房屋抵押貸款協(xié)會(huì)貸款主管亨利·喬丹表示：“大齡購(gòu)房者想進(jìn)入主流購(gòu)房市場(chǎng)很難，致使他們的需求得不到滿足。這項(xiàng)新政以謹(jǐn)慎、節(jié)制的方式，滿足了這部分需求。”

Tom McPhail, head of pensions research at Hargreaves Lansdown, told the BBC the change could shake up the mortgage market.

蘭斯多恩股票經(jīng)紀(jì)公司退休金研究主管湯姆·麥克菲爾告訴BBC，這項(xiàng)改變可能重新洗牌房貸市場(chǎng)。

"Why pay off the mortgage at all?" he said.

他表示：“還有必要還清貸款嗎?”

"As long as the value of the property is there to meet the liability in the future, why worry about paying it off when you are alive?" he added.

他進(jìn)一步說(shuō)：“只要房屋價(jià)值仍然能覆蓋未來(lái)的負(fù)債，又何必要趁活著的時(shí)候抓緊還貸呢?”

House prices grew 7.6% in the year to February, official statistics suggest.

官方數(shù)據(jù)顯示，今年前兩個(gè)月，英國(guó)房?jī)r(jià)上漲了7.6%。

'Longer'

“壽命延長(zhǎng)”是主因

And a recent survey by Halifax suggested that one in three 20- to 45-year-olds expected to be working beyond their retirement age to pay off their mortgage.

Halifax近日的一項(xiàng)調(diào)查顯示，為了還房貸，三分之一20至45歲的購(gòu)房人可能不得不延遲退休。

Halifax said its decision was a response to changing demographics, with people living and working for longer.

Halifax稱，它的決定(提高貸款年齡上限)源于人口結(jié)構(gòu)的變化——人們的壽命和工作時(shí)間都延長(zhǎng)了。

The policies of rival mortgage lenders for older borrowers varies. Santander, for example, says 75 is its cut-off while RBS' upper age limit is 70.

其他房貸發(fā)放機(jī)構(gòu)針對(duì)大齡人士的購(gòu)房政策不盡相同。以Santander銀行為例，它的年齡上限是75，而蘇格蘭皇家銀行的上限是70。

HSBC says it does not turn down mortgages on the basis of age, but reviews applications of those over 75 on "a case by case basis".

匯豐銀行稱自己不會(huì)以年齡為由拒絕向外貸款，但對(duì)于75歲以上年齡的申請(qǐng)者，在評(píng)估時(shí)會(huì)“具體問(wèn)題具體分析”。

At Barclays the upper age limit is 70, or the customer's retirement date - whichever is sooner.

巴克萊銀行的年齡上限是70歲，或者是申請(qǐng)者的退休時(shí)間——以先到期的那個(gè)為準(zhǔn)。