桑坦德銀行英國

2023年7月14日

/晚上標準複合B ritain上周五住房貸款悲慘增長的平均五年固定利率抵押貸款達到6.3%。平均2年固定住宅抵押貸款利率為6.78%,數據顯示從Moneyfactscompare.co。英國,高於周四的6.75%。平均5年固定住宅抵押貸款利率為6.30%,高於6.27%。抵押貸款利率上漲了近幾個月來,由於預期利率將保持更高的時間應對居高不下的通脹。許多銀行最近簽署的抵押貸款憲章以支持陷入困境的借款人和銀行和建築業一直在鼓勵客戶還款遇到困難,盡快聯係他們。閱讀更多英國央行(Bank of England)已警告稱,近四百萬多業主麵臨抵押貸款法案增加到2026年底。它強調,對於典型的抵押貸款持有者每月的利息支付將增加一些£220如果他們脫離固定利率交易和支付率高出3.25。但是大約一百萬家庭將看到他們的每月還款約£500,大約200000超過£1000,成千上萬的這些幾乎肯定在倫敦高昂的物業費。勞埃德銀行集團仍然是英國最大的抵押貸款銀行,去年貸款£527億2022年,英國金融行業協會的數據顯示。勞埃德有一個16.8%的市場份額的貸出款額,去年,縮小與金額的18.1%的市場份額已經借給2021年住房貸款。NatWest、全國和桑坦德銀行的貸款機構增加他們的市場份額,從2022年抵押貸款的價值,與2021年相比。 Overall, Lloyds Banking Group had a 19 per cent market share, based on all mortgage balances outstanding in 2022, making it the biggest mortgage lender for outstanding balances. NatWest Group was the second biggest mortgage lender in terms of mortgages handed out last year, with £41.5 billion advanced, giving it a 13.2 per cent market share. In terms of all mortgage balances outstanding in 2022, Nationwide Building Society was the second biggest lender, with a 12.5 per cent market share. Nationwide was the third biggest mortgage lender in 2022 in terms of mortgages advanced in that year, with £37.8 billion of home loans handed out in 2022, giving it a 12.1 per cent share of last year’s mortgage lending. The figures also showed that Virgin Money moved up the rankings to become the seventh biggest mortgage lender in terms of loans advanced in 2022, up from ninth place in 2021. In 2021, it handed out £9.8 billion of mortgages and in 2022 this increased to £10.5 billion. Virgin Money swapped places with Coventry Building Society, which was ranked seventh in 2021 and ninth in 2022 for mortgage lending in those years. All other mortgage lenders in the top 10 maintained the same positions in 2021 and 2022 for lending in those years. Looking at total mortgage balances outstanding in 2022, NatWest Group overtook Santander UK last year. NatWest Group was ranked in third place for 2022, having been fourth in 2021, while Santander UK, which was placed third in 2021, was pushed into fourth place in 2022. However, Santander still increased its market share in terms of the value of mortgages outstanding, from 11.1 per cent in 2021 to 11.3 per cent in 2022. The figures were released earlier this week on the same day a Bank of England quarterly survey of lenders was published. The credit conditions survey found that losses and default rates on mortgages have increased in the past few months and are expected to rise further in the months ahead. Mortgage availability is also expected to fall in the three months to the end of August, according to the survey of lenders. Register for free to continue reading Sign up for exclusive newsletters, comment on stories, enter competitions and attend events.