{"id":109016,"date":"2022-08-03T23:56:08","date_gmt":"2022-08-03T15:56:08","guid":{"rendered":"https:\/\/www.buyhomeuk.com\/?p=109016"},"modified":"2022-08-04T15:55:28","modified_gmt":"2022-08-04T07:55:28","slug":"%e8%8b%b1%e5%9b%bd%e6%ad%a3%e5%bc%8f%e5%8f%96%e6%b6%88%e6%8a%b5%e6%8a%bc%e8%b4%b7%e6%ac%be%e8%b4%9f%e6%8b%85%e8%83%bd%e5%8a%9b%e6%b5%8b%e8%af%95%ef%bc%8c%e4%b9%b0%e5%ae%b6%e7%9c%9f%e7%9a%84%e8%83%bd","status":"publish","type":"post","link":"https:\/\/www.buyhomeuk.com\/?p=109016","title":{"rendered":"\u82f1\u56fd\u6b63\u5f0f\u53d6\u6d88\u62b5\u62bc\u8d37\u6b3e\u8d1f\u62c5\u80fd\u529b\u6d4b\u8bd5\uff0c\u4e70\u5bb6\u771f\u7684\u80fd\u501f\u5230\u66f4\u591a\u94b1\u4e86\uff1f"},"content":{"rendered":"<section class=\"article135\" data-role=\"outer\">\n<p align=\"left\">\u5c31\u5728\u8fd1\u65e5\uff0c\u82f1\u56fd\u592e\u884c\u5ba3\u5e03\u91cd\u78c5\u6d88\u606f\uff1a\u5c06\u4ece8\u6708\u4efd\u5f00\u59cb\uff0c\u6b63\u5f0f\u53d6\u6d88\u7533\u8bf7\u62b5\u62bc\u8d37\u6b3e\u65f6\u7684\u8d1f\u62c5\u80fd\u529b\u6d4b\u8bd5\uff01<\/p>\n<p align=\"left\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-109038\" src=\"https:\/\/www.buyhomeuk.com\/wp-content\/uploads\/2022\/08\/24436154-4uQajg.jpg\" width=\"1545\" height=\"350\" \/><\/p>\n<p align=\"left\">\u8fd9\u4e00\u6d88\u606f\u4e5f\u8ba9\u5f88\u591a\u4e70\u5bb6\u559c\u51fa\u671b\u5916\uff0c\u4e00\u4e9b\u5ba2\u6237\u4e5f\u7b2c\u4e00\u65f6\u95f4\u6765\u54a8\u8be2\u623f\u4ea7\u541b\uff0c\u8fd9\u4e00\u653f\u7b56\u5230\u5e95\u662f\u600e\u4e48\u56de\u4e8b\uff1f\u53d6\u6d88\u8d1f\u62c5\u80fd\u529b\u6d4b\u8bd5\u662f\u4e0d\u662f\u610f\u5473\u7740\u4e70\u5bb6\u53ef\u4ee5\u501f\u5230\u66f4\u591a\u94b1\uff1f<\/p>\n<p align=\"left\">\u4eca\u5929\uff0c\u6211\u4eec\u5c31\u6765\u56de\u7b54\u4e00\u4e0b\u5927\u5bb6\u7684\u7591\u95ee\uff0c\u9996\u5148\uff0c\u6211\u4eec\u5148\u6765\u8bf4\u4e00\u8bf4\u5230\u5e95\u4ec0\u4e48\u662f\u62b5\u62bc\u8d37\u6b3e\u8d1f\u62c5\u80fd\u529b\u6d4b\u8bd5\uff1f<\/p>\n<p align=\"center\"><strong>1<\/strong><strong>\u3001\u62b5\u62bc\u8d37\u6b3e\u8d1f\u62c5\u80fd\u529b\u6d4b\u8bd5\u662f\u4e2a\u5565\uff1f<\/strong><\/p>\n<p align=\"left\">\u6240\u8c13\u7684\u62b5\u62bc\u8d37\u6b3e\u8d1f\u62c5\u80fd\u529b\u6d4b\u8bd5\uff08Mortgageaffordability test\uff09\uff0c\u7b80\u5355\u6765\u8bf4\u5c31\u662f\u5728\u4e70\u5bb6\u8d37\u6b3e\u65f6\uff0c<strong>\u5404\u8d37\u6b3e\u673a\u6784\u8fdb\u884c\u7684\u4e00\u9879\u6d4b\u8bd5\uff0c\u4ee5\u6d4b\u8bd5\u4e70\u5bb6\u662f\u5426\u80fd\u591f\u8d1f\u62c5\u7684\u8d77\u8d37\u6b3e<\/strong>\u3002<\/p>\n<p align=\"left\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-109039\" src=\"https:\/\/www.buyhomeuk.com\/wp-content\/uploads\/2022\/08\/24436154-I3SXhu.jpg\" width=\"1200\" height=\"675\" \/><\/p>\n<p align=\"left\">\u57282008\u5e74\u91d1\u878d\u5371\u673a\u540e\uff0c\u4e3a\u4e86\u51cf\u5c11\u7c7b\u4f3c\u98ce\u9669\u4e8b\u4ef6\u7684\u53d1\u751f\uff0c\u82f1\u56fd\u592e\u884c\u4e8e2014\u5e74\u6b63\u5f0f\u63a8\u51fa\u4e86\u62b5\u62bc\u8d37\u6b3e\u8d1f\u62c5\u80fd\u529b\u6d4b\u8bd5\u3002<\/p>\n<p align=\"left\">\u5176\u4e3b\u8981\u76ee\u7684\u662f\u4e3a\u4e86\u6536\u7d27\u62b5\u62bc\u8d37\u6b3e\u5e02\u573a\uff0c\u4ee5\u786e\u4fdd\u4e70\u5bb6\u5728\u8d37\u6b3e\u540e\u4e0d\u4f1a\u56e0\u65e0\u6cd5\u507f\u8fd8\u503a\u52a1\u800c\u5bf9\u8d37\u65b9\u7684\u8d22\u52a1\u7a33\u5b9a\u6027\u6784\u6210\u5a01\u80c1\u3002<\/p>\n<p align=\"left\">\u90a3\u4e48\uff0c\u62b5\u62bc\u8d37\u6b3e\u8d1f\u62c5\u80fd\u529b\u6d4b\u8bd5\u662f\u5982\u4f55\u64cd\u4f5c\u7684\u5462\uff1f<\/p>\n<p align=\"left\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-109040\" src=\"https:\/\/www.buyhomeuk.com\/wp-content\/uploads\/2022\/08\/24436154-mBKv4Y.jpg\" width=\"728\" height=\"481\" \/><\/p>\n<p align=\"left\">\u6309\u7167\u89c4\u5b9a\uff0c\u5404\u8d37\u6b3e\u673a\u6784\u4e0d\u4ec5\u8981\u5f04\u6e05\u695a\u5728\u8d37\u65b9\u63d0\u4f9b\u7684\u5229\u7387\u4e0b\uff0c\u501f\u6b3e\u4eba\u662f\u5426\u6709\u80fd\u529b\u6765\u507f\u8fd8\u62b5\u62bc\u8d37\u6b3e\uff0c\u800c\u4e14\u8fd8\u8981\u5f04\u6e05\u695a\u5982\u679c\u5229\u7387\u51fa\u73b0\u98d9\u5347\u65f6\uff0c\u4ed6\u4eec\u4f1a\u53d7\u5230\u600e\u6837\u7684\u5f71\u54cd\uff0c\u662f\u5426\u8fd8\u80fd\u8fd8\u5f97\u8d77\u94b1\u3002<\/p>\n<p align=\"left\">\u56e0\u6b64\uff0c\u501f\u6b3e\u4eba\u5fc5\u987b\u8bc1\u660e\u81ea\u5df1\u6709\u80fd\u529b\u652f\u4ed8\u6240\u8c13\u7684\u201c\u6062\u590d\u5229\u7387\uff08Reversion Rate\uff09\u201d\uff0c\u8fd9\u4e00\u5229\u7387\u901a\u5e38\u6bd4\u62b5\u62bc\u8d37\u6b3e\u673a\u6784\u7684\u6807\u51c6\u53ef\u53d8\u5229\u7387\uff08Standard Variable Rate\uff0cSVR\uff09\u9ad8\u51fa3%\u3002<\/p>\n<p align=\"left\">\u7b80\u5355\u4e3e\u4e2a\u4f8b\u5b50\uff0c\u5982\u679c\u8d37\u65b9\u7684SVR\u4e3a4.75%\uff0c\u5219\u8d37\u65b9\u53ef\u4ee5\u75287.75%\u7684\u201c\u6062\u590d\u5229\u7387\u201d\u5bf9\u501f\u6b3e\u4eba\u8fdb\u884c\u538b\u529b\u6d4b\u8bd5\u3002\u5373\u4fbf\u4e70\u5bb6\u7533\u8bf7\u7684\u62b5\u62bc\u8d37\u6b3e\u771f\u5b9e\u8fd8\u6b3e\u5229\u7387\u53ea\u67092%\u3002<\/p>\n<p align=\"left\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-109041\" src=\"https:\/\/www.buyhomeuk.com\/wp-content\/uploads\/2022\/08\/24436154-mQuUCM.jpg\" width=\"615\" height=\"432\" \/><\/p>\n<p align=\"left\">\u540c\u65f6\uff0c\u8be5\u6d4b\u8bd5\u9664\u4e86\u8003\u8651\u501f\u6b3e\u4eba\u6bcf\u6708\u7684\u62b5\u62bc\u8d37\u6b3e\u8fd8\u6b3e\u989d\uff0c\u8fd8\u4f1a\u8003\u8651\u6bcf\u6708\u7684\u5176\u4ed6\u652f\u51fa\u9884\u7b97\u7b49\u7b49\uff0c\u5f88\u591a\u673a\u6784\u5728\u653e\u8d37\u65f6\u4f1a\u8981\u6c42\u501f\u6b3e\u4eba\u8be6\u7ec6\u8bf4\u660e\u4ed6\u4eec\u7684\u6536\u5165\u548c\u652f\u51fa\u3002\u5f53\u7136\uff0c\u5728\u4e0a\u8ff0\u57fa\u7840\u4e0a\uff0c\u5404\u8d37\u6b3e\u673a\u6784\u7684\u8d1f\u62c5\u80fd\u529b\u6d4b\u8bd5\u4e5f\u4f1a\u6709\u4e00\u5b9a\u7684\u4e0d\u540c\u3002<\/p>\n<p align=\"left\">\u4e0d\u8fc7\uff0c\u8d1f\u62c5\u80fd\u529b\u6d4b\u8bd5\u5728\u63a8\u51fa\u540e\u4e5f\u906d\u5230\u4e86\u5f88\u591a\u4eba\u7684\u6279\u8bc4\u3002<\/p>\n<p align=\"left\">\u82f1\u56fd\u592e\u884c\u8ba4\u4e3a\uff0c\u8fd9\u4e00\u89c4\u5219\u662f\u4e0d\u73b0\u5b9e\u7684\uff0c\u56e0\u4e3a\u6807\u51c6\u6d6e\u52a8\u5229\u7387(SVR)\u901a\u5e38\u8fdc\u9ad8\u4e8e\u5404\u7c7b\u56fa\u5b9a\u5229\u7387\u62b5\u62bc\u8d37\u6b3e\uff08Fixed Mortgage\uff09\u4ea4\u6613\uff0c\u800c\u4e14\u4e70\u5bb6\u66f4\u6709\u53ef\u80fd\u9009\u62e9\u56fa\u5b9a\u5229\u7387\u62b5\u62bc\u8d37\u6b3e\u3002<\/p>\n<p align=\"left\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-109042\" src=\"https:\/\/www.buyhomeuk.com\/wp-content\/uploads\/2022\/08\/24436154-pK49cT.jpg\" width=\"490\" height=\"377\" \/><\/p>\n<p align=\"left\">\u76ee\u524d\uff0c\u82f1\u56fd\u7684\u5e73\u5747SVR\u5229\u7387\u4e3a5.06%\uff0c\u5927\u591a\u6570\u4eba\u5728\u8f6c\u8d37\u65f6\u4e5f\u4f1a\u9501\u5b9a\u65b0\u7684\u56fa\u5b9a\u4ea4\u6613\u4ee5\u907f\u514dSVR\u7684\u9ad8\u5229\u7387\u3002<\/p>\n<p align=\"left\">\u5728\u8003\u8651\u5230\u8fd9\u4e9b\u56e0\u7d20\u540e\uff0c\u82f1\u56fd\u592e\u884c\u53d6\u6d88\u4e86\u8fd9\u4e00\u89c4\u5219\u3002\u800c\u5bf9\u4e70\u5bb6\u6765\u8bf4\uff0c\u53d6\u6d88\u8fd9\u4e00\u6d4b\u8bd5\u7684\u786e\u610f\u5473\u7740\u5927\u5bb6\u53ef\u4ee5\u66f4\u5bb9\u6613\u8d37\u5230\u6b3e\u3002<\/p>\n<p align=\"center\"><strong>2<\/strong><strong>\u3001\u89c4\u5219\u6539\u53d8\u80fd\u5e2e\u52a9\u4e70\u5bb6\u591a\u501f\u94b1<\/strong><\/p>\n<p align=\"left\">\u4e3a\u5e94\u5bf9\u4e0d\u65ad\u4e0a\u6da8\u7684\u901a\u80c0\uff0c\u8fd1\u4e00\u6bb5\u65f6\u95f4\uff0c\u82f1\u56fd\u592e\u884c\u5df2\u7ecf\u8fde\u7eed\u4e94\u6b21\u52a0\u606f\uff0c\u5c06\u57fa\u51c6\u5229\u7387\u63d0\u9ad8\u5230\u4e861.25%\u7684\u5386\u53f2\u9ad8\u4f4d\uff0c\u5916\u754c\u666e\u904d\u9884\u8ba1\uff0c\u672c\u5468\u56db\u82f1\u56fd\u592e\u884c\u8fd8\u4f1a\u518d\u6b21\u52a0\u606f0.5\u4e2a\u767e\u5206\u70b9\uff0c\u5c06\u57fa\u51c6\u5229\u7387\u63d0\u9ad8\u81f32%\u3002<\/p>\n<p align=\"left\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-109043\" src=\"https:\/\/www.buyhomeuk.com\/wp-content\/uploads\/2022\/08\/24436154-6bMqys.jpg\" width=\"1087\" height=\"625\" \/><\/p>\n<p align=\"left\">\u4e0e\u6b64\u540c\u65f6\uff0c\u5f88\u591a\u8d37\u6b3e\u673a\u6784\u4e5f\u540c\u6b65\u4e0a\u8c03\u4e86\u5404\u7c7b\u62b5\u62bc\u8d37\u6b3e\u7684\u5229\u7387\uff0c\u8fd9\u4e5f\u5927\u5927\u589e\u52a0\u4e86\u4e70\u5bb6\u8fd8\u6b3e\u7684\u8d1f\u62c5\uff0c\u4ee5\u53ca\u901a\u8fc7\u8d1f\u62c5\u80fd\u529b\u6d4b\u8bd5\u7684\u96be\u5ea6\u3002<\/p>\n<p align=\"left\">\u800c\u636eCapital Economics\u9884\u8ba1\uff0c\u5982\u679c\u8d37\u6b3e\u673a\u6784\u4ecd\u65e7\u5e0c\u671b\u501f\u6b3e\u4eba\u5728\u5229\u7387\u589e\u52a01.5%\u540e\u80fd\u591f\u507f\u8fd8\u503a\u52a1\uff0c\u90a3\u4e48\u5728\u53d6\u6d88\u62b5\u62bc\u8d37\u6b3e\u8d1f\u62c5\u80fd\u529b\u6d4b\u8bd5\u540e\uff0c\u501f\u6b3e\u4eba\u7684\u5e73\u5747\u501f\u6b3e\u80fd\u529b\u5c06\u589e\u52a016%\u3002<\/p>\n<p align=\"left\">Capital Economics\u8ba4\u4e3a\uff0c<strong>\u653e\u5bbd\u8d1f\u62c5\u80fd\u529b\u6d4b\u8bd5\u5c06\u7279\u522b\u6709\u52a9\u4e8e\u6bcf\u5e74\u591a\u8fbe\u6570\u5341\u4e07\u7684\u9996\u6b21\u8d2d\u623f\u8005<\/strong>\u3002\u8fd9\u4e9b\u4e70\u5bb6\u521a\u521a\u6b65\u5165\u793e\u4f1a\uff0c\u76f8\u5bf9\u7ecf\u6d4e\u5b9e\u529b\u8f83\u5f31\u3002<\/p>\n<p align=\"left\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-109044\" src=\"https:\/\/www.buyhomeuk.com\/wp-content\/uploads\/2022\/08\/24436154-P4UEuy.jpg\" width=\"768\" height=\"432\" \/><\/p>\n<p align=\"left\">\u6839\u636e\u82f1\u56fd\u56fd\u5bb6\u7edf\u8ba1\u5c40(ONS)\u7684\u6570\u636e\uff0c\u9996\u6b21\u8d2d\u623f\u8005\u7533\u8bf7\u5230\u7684\u5e73\u5747\u62b5\u62bc\u8d37\u6b3e\u4e3a17.2\u4e07\u82f1\u9551\u3002\u5982\u679c\u501f\u8d37\u80fd\u529b\u4e0a\u534716%\uff0c\u4ed6\u4eec\u80fd\u591f\u591a\u501f\u7ea627,520\u82f1\u9551\u3002<\/p>\n<p align=\"left\">\u5728\u4f26\u6566\uff0c\u9996\u6b21\u8d2d\u623f\u8005\u5fc5\u987b\u5e73\u5747\u501f30.9\u4e07\u82f1\u9551\u624d\u80fd\u767b\u4e0a\u4f4f\u623f\u9636\u68af\uff0c\u8fd9\u610f\u5473\u7740\u4ed6\u4eec\u5c06\u80fd\u591f\u591a\u501f\u8fd150,000\u82f1\u9551\u3002<\/p>\n<p align=\"left\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-109045\" src=\"https:\/\/www.buyhomeuk.com\/wp-content\/uploads\/2022\/08\/24436154-Xc5ATk.jpg\" width=\"1068\" height=\"353\" \/><\/p>\n<p align=\"left\">\u4e0d\u8fc7\uff0c\u867d\u7136\u53d6\u6d88\u8d1f\u62c5\u80fd\u529b\u6d4b\u8bd5\u80fd\u591f\u5e2e\u52a9\u4e70\u5bb6\u591a\u501f\u70b9\u94b1\uff0c\u4f46\u5f88\u591a\u4e13\u5bb6\u8ba4\u4e3a\uff0c\u8fd9\u4e00\u89c4\u5219\u7684\u6539\u53d8\u5f71\u54cd\u662f\u6709\u9650\u7684\uff0c\u4e0d\u592a\u53ef\u80fd\u5f15\u53d1\u8d37\u6b3e\u5927\u89c4\u6a21\u7684\u6fc0\u589e\u3002<\/p>\n<p align=\"center\"><strong>3<\/strong><strong>\u3001\u54ea\u4e9b\u4eba\u80fd\u53d7\u76ca\u4e8e\u653f\u7b56\u6539\u53d8\uff1f<\/strong><\/p>\n<p align=\"left\">\u4e00\u4e9b\u4e13\u5bb6\u8ba4\u4e3a\uff0c\u8fd9<strong>\u4e00\u53d8\u5316\u53ef\u80fd\u4f1a\u4f7f\u81ea\u7531\u804c\u4e1a\u8005\u548c\u4e2a\u4f53\u7ecf\u8425\u8005\u7b49\u501f\u6b3e\u4eba\u66f4\u5bb9\u6613\u83b7\u5f97\u62b5\u62bc\u8d37\u6b3e<\/strong>\u3002<\/p>\n<p align=\"left\">\u00a0SPF Private Clients \u7684\u9996\u5e2d\u6267\u884c\u5b98Mark Harris\u8868\u793a\uff1a\u201c\u53d6\u6d88\u8d1f\u62c5\u80fd\u529b\u6d4b\u8bd5\u53ef\u80fd\u4f1a\u5bf9\u90a3\u4e9b\u5728\u51c6\u5907\u4e70\u623f\u65f6\u5904\u4e8e\u4e0d\u5229\u5730\u4f4d\u7684\u501f\u6b3e\u4eba\u4ea7\u751f\u79ef\u6781\u5f71\u54cd\u3002\u4f8b\u5982\uff0c\u4e00\u4e9b\u6f5c\u5728\u7684\u9996\u6b21\u8d2d\u623f\u8005\u660e\u660e\u6bcf\u6708\u652f\u4ed8\u7684\u79df\u91d1\u8fdc\u9ad8\u4e8e\u62b5\u62bc\u8d37\u6b3e\u7684\u6708\u4f9b\uff0c\u4f46\u4ed6\u4eec\u5c31\u662f\u65e0\u6cd5\u901a\u8fc7\u8d1f\u62c5\u80fd\u529b\u6d4b\u8bd5\u3002\u201d<\/p>\n<p align=\"left\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-109046\" src=\"https:\/\/www.buyhomeuk.com\/wp-content\/uploads\/2022\/08\/24436154-vKNcJV.jpg\" width=\"950\" height=\"633\" \/><\/p>\n<p align=\"left\">\u8fd8\u6709\u4e13\u5bb6\u6307\u51fa\uff0c<strong>\u5bf9\u9ad8\u6536\u5165\u4eba\u7fa4\u6765\u8bf4\uff0c\u89c4\u5219\u7684\u6539\u53d8\u53ef\u80fd\u610f\u5473\u7740\u4ed6\u4eec\u80fd\u591f\u501f\u5230\u66f4\u591a\u94b1<\/strong>\u3002<\/p>\n<p align=\"left\">Capital Economics\u7684\u4e13\u5bb6Andrew Wishart\u5c31\u8868\u793a:\u201c\u6700\u6709\u53ef\u80fd\u501f\u5230\u66f4\u591a\u94b1\u7684\u662f\u751f\u6d3b\u65b9\u5f0f\u652f\u51fa\u8f83\u4f4e\u7684\u9ad8\u6536\u5165\u5bb6\u5ead\uff0c\u8d37\u6b3e\u673a\u6784\u4f1a\u8ba4\u4e3a\uff0c\u4ed6\u4eec\u53ef\u4ee5\u5c06\u66f4\u5927\u4e00\u90e8\u5206\u6536\u5165\u5206\u914d\u7ed9\u62b5\u62bc\u8d37\u6b3e\uff0c\u4e14\u4e0d\u4f1a\u9020\u6210\u8d22\u52a1\u56f0\u96be\u3002\u201d<\/p>\n<p align=\"left\">Andrew\u8fd8\u4e3e\u4f8b\u79f0\uff0c\u6ca1\u6709\u5b69\u5b50\u7684\u53cc\u6536\u5165\u5bb6\u5ead\u5c31\u6709\u53ef\u80fd\u83b7\u5f97\u66f4\u591a\u8d37\u6b3e\u3002<\/p>\n<p align=\"left\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-109047\" src=\"https:\/\/www.buyhomeuk.com\/wp-content\/uploads\/2022\/08\/24436154-JWYjgg.jpg\" width=\"590\" height=\"350\" \/><\/p>\n<p align=\"left\">\u4e0d\u8fc7\uff0c\u5927\u90e8\u5206\u4e1a\u5185\u4eba\u58eb\u8ba4\u4e3a\uff0c<strong>\u53d6\u6d88\u8d1f\u62c5\u80fd\u529b\u6d4b\u8bd5\u7684\u5f71\u54cd\u5e76\u4e0d\u4f1a\u50cf\u9884\u671f\u90a3\u6837\u5e7f<\/strong>\u3002<\/p>\n<p align=\"left\">Mark Harris\u6307\u51fa\uff0c\u201c\u8d37\u6b3e\u673a\u6784\u5bf9\u6536\u5165\u7684\u8bc4\u4f30\u6846\u67b6\u4ecd\u7136\u5b58\u5728\uff0c\u56e0\u6b64\u4e70\u5bb6\u8d37\u6b3e\u65f6\u4ecd\u7136\u4f1a\u6709\u4e00\u4e9b\u9650\u5236\uff0c\u5b83\u5e76\u6ca1\u6709\u5728\u8d37\u6b3e\u65b9\u9762\u53d8\u6210\u4e00\u4e2a\u514d\u8d39\u7684\u3002\u8d37\u65b9\u4ecd\u5c06\u4f7f\u7528\u67d0\u79cd\u5f62\u5f0f\u7684\u6d4b\u8bd5\uff0c\u4f46\u8981\u6839\u636e\u81ea\u5df1\u7684\u98ce\u9669\u504f\u597d\u8fdb\u884c\u9009\u62e9\u3002\u201d<\/p>\n<p align=\"left\">Harris\u8fd8\u8865\u5145\u9053\uff1a\u201c\u6362\u53e5\u8bdd\u8bf4\uff0c\u4e70\u5bb6\u4e0d\u4f1a\u7acb\u5373\u53d7\u5230\u5f71\u54cd\uff0c\u56e0\u4e3a\u8d37\u65b9\u4e0d\u9700\u8981\u7acb\u5373\u6539\u53d8\u4ed6\u4eec\u8bc4\u4f30\u8d37\u6b3e\u7684\u65b9\u5f0f\u3002\u4f46\u662f\uff0c\u6709\u4e9b\u673a\u6784\u5c06\u6765\u5f88\u53ef\u80fd\u4f1a\u6539\u53d8\u81ea\u5df1\u7684\u89c4\u5219\u3002\u201d<\/p>\n<p align=\"left\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-109048\" src=\"https:\/\/www.buyhomeuk.com\/wp-content\/uploads\/2022\/08\/24436154-ASIkOO.jpg\" width=\"640\" height=\"360\" \/><\/p>\n<p align=\"left\">\u91d1\u878d\u5e02\u573a\u6807\u51c6\u59d4\u5458\u4f1a\uff08Financial Markets Standards Board\uff09\u4e3b\u5e2dMark Yallop\u4e5f\u8ba4\u4e3a\uff0c\u5c3d\u7ba1\u8fd9\u4e00\u53d8\u5316\u5c06\u4f7f\u4e00\u4e9b\u501f\u6b3e\u4eba\u201c\u7a0d\u5fae\u5bb9\u6613\u201d\u83b7\u5f97\u62b5\u62bc\u8d37\u6b3e\uff0c\u4f46\u4e0d\u4f1a\u4ea7\u751f\u91cd\u5927\u5f71\u54cd\u3002\u56e0\u4e3a\u5bf9\u65b0\u62b5\u62bc\u8d37\u6b3e\u7684\u6700\u5927\u9650\u5236\u662f\u501f\u6b3e\u4eba\u652f\u4ed8\u9996\u4ed8\u7684\u80fd\u529b\u3002<\/p>\n<p align=\"left\"><strong>\u53e6\u5916\uff0c\u9700\u8981\u6307\u51fa\u7684\u662f\uff0c\u867d\u7136\u82f1\u56fd\u592e\u884c\u53d6\u6d88\u4e86\u8d1f\u62c5\u80fd\u529b\u6d4b\u8bd5\uff0c\u4f46\u4ecd\u6709\u4e00\u4e9b\u5173\u952e\u7684\u4fdd\u62a4\u63aa\u65bd\u53ef\u4ee5\u786e\u4fdd\u501f\u6b3e\u4eba\u4e0d\u4f1a\u627f\u62c5\u4ed6\u4eec\u53ef\u80fd\u65e0\u6cd5\u507f\u8fd8\u7684\u8d37\u6b3e<\/strong>\u3002<\/p>\n<p align=\"left\">\u5176\u4e2d\uff0c\u6700\u4e3b\u8981\u7684\u4e00\u4e2a\u5c31\u662f\u2014\u2014\u8d37\u6b3e\u4e0e\u6536\u5165\u6bd4\uff08Loanto Income\uff0cLTI\uff09\u201c\u6d41\u91cf\u9650\u5236\u201d\uff0c\u8be5\u6bd4\u4f8b\u9650\u5236\u4e86\u8d37\u6b3e\u673a\u6784\u6700\u591a\u53ef\u4ee5\u5411\u501f\u6b3e\u4eba\u63d0\u4f9b\u591a\u5c11\u500d\u4e8e\u5de5\u8d44\u7684\u62b5\u62bc\u8d37\u6b3e\u6570\u91cf\u3002<\/p>\n<p align=\"left\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-109049\" src=\"https:\/\/www.buyhomeuk.com\/wp-content\/uploads\/2022\/08\/24436154-YUwAAj.jpg\" width=\"640\" height=\"360\" \/><\/p>\n<p align=\"left\">\u901a\u5e38\u6765\u8bf4\uff0c\u82f1\u56fd\u8981\u6c42\u62b5\u62bc\u8d37\u6b3e\u673a\u6784\u6700\u591a\u5411\u8d2d\u623f\u8005\u63d0\u4f9b4.5\u500d\u4e8e\u5176\u5e74\u6536\u5165\u7684\u8d37\u6b3e\uff0c\u7279\u6b8a\u60c5\u51b5\u4e0b\uff0c\u673a\u6784\u4e5f\u6709\u6743\u53d1\u653e5.5\u500d\u4e8e\u501f\u6b3e\u4eba\u5e74\u6536\u5165\u7684\u8d37\u6b3e\u3002<\/p>\n<p align=\"left\">\u7531\u6b64\u53ef\u89c1\uff0c\u7531\u4e8eLTI\u9650\u5236\u7684\u5b58\u5728\uff0c\u5373\u4fbf\u53d6\u6d88\u8d1f\u62c5\u80fd\u529b\u6d4b\u8bd5\uff0c\u4e70\u5bb6\u4e5f\u4e0d\u80fd\u65e0\u9650\u5ea6\u7684\u501f\u94b1\u3002<\/p>\n<p align=\"left\">\u82f1\u56fd\u592e\u884c\u91d1\u878d\u653f\u7b56\u59d4\u5458\u4f1a\u4e5f\u8ba4\u4e3a\uff0c\u5728\u9632\u6b62\u5bb6\u5ead\u603b\u503a\u52a1\u589e\u52a0\u548c\u9ad8\u8d1f\u503a\u5bb6\u5ead\u6570\u91cf\u589e\u52a0\u65b9\u9762\uff0cLTI\u6d41\u91cf\u9650\u5236\u53ef\u80fd\u6bd4\u8d1f\u62c5\u80fd\u529b\u6d4b\u8bd5\u53d1\u6325\u66f4\u5927\u7684\u4f5c\u7528\u3002<\/p>\n<p align=\"left\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-109050\" src=\"https:\/\/www.buyhomeuk.com\/wp-content\/uploads\/2022\/08\/24436154-KtVaAM.jpg\" width=\"938\" height=\"633\" \/><\/p>\n<p align=\"left\">\u5728\u8bf4\u5b8c<strong>\u8d1f\u62c5\u80fd\u529b\u6d4b\u8bd5\u7684\u524d\u56e0\u540e\u679c\u540e\uff0c\u6211\u4eec\u518d\u6765\u770b\u770b\u5404\u4e2a\u8d37\u65b9\u90fd\u662f\u5982\u4f55\u54cd\u5e94\u8fd9\u4e2a\u653f\u7b56\u7684\u3002<\/strong><\/p>\n<p align=\"center\"><strong>5<\/strong><strong>\u3001\u8d37\u65b9\u5982\u4f55\u54cd\u5e94<\/strong><\/p>\n<p align=\"left\">\u636e\u300aThe Telegraph\u300b\u62a5\u9053\uff0c\u5df4\u514b\u83b1\u5df2\u6839\u636e\u82f1\u56fd\u91d1\u878d\u5e02\u573a\u884c\u4e3a\u76d1\u7ba1\u5c40\uff08FCA\uff09\u6307\u5357\u8c03\u6574\u4e86\u5176\u8d1f\u62c5\u80fd\u529b\u6807\u51c6\u3002<\/p>\n<p align=\"left\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-109051\" src=\"https:\/\/www.buyhomeuk.com\/wp-content\/uploads\/2022\/08\/24436154-G9rMKV.jpg\" width=\"1440\" height=\"810\" \/><\/p>\n<p align=\"left\">Virgin Money\u548c\u6851\u5766\u5fb7\u94f6\u884c\u90fd\u8868\u793a\u4ed6\u4eec\u6b63\u5728\u5ba1\u67e5\u4ed6\u4eec\u7684\u65b9\u6cd5\u3002<\/p>\n<p align=\"left\">\u6c47\u4e30\u53d1\u8a00\u4eba\u8868\u793a\uff0c\u89c4\u5219\u7684\u6539\u53d8\u610f\u5473\u7740\u4e00\u4e9b\u4eba\u53ef\u4ee5\u201c\u7a0d\u5fae\u591a\u501f\u4e00\u70b9\u201d\uff0c\u4f46\u201c\u53d6\u6d88\u538b\u529b\u6d4b\u8bd5\u4e0d\u4f1a\u5bf9\u90a3\u4e9b\u5411\u6211\u4eec\u5bfb\u6c42\u62b5\u62bc\u8d37\u6b3e\u7684\u4eba\u4ea7\u751f\u5de8\u5927\u5f71\u54cd\u3002\u201d<\/p>\n<p align=\"left\">\u8be5\u94f6\u884c\u8868\u793a\uff1a\u201c\u5229\u7528\u672a\u6765\u7684\u95ee\u9898\u8fc7\u5ea6\u653e\u8d37\u5e76\u4e0d\u7b26\u5408\u8d37\u6b3e\u673a\u6784\u6216\u501f\u6b3e\u4eba\u7684\u5229\u76ca\u3002\u201d<\/p>\n<p align=\"left\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-109052\" src=\"https:\/\/www.buyhomeuk.com\/wp-content\/uploads\/2022\/08\/24436154-vIEz85.jpg\" width=\"765\" height=\"450\" \/><\/p>\n<p align=\"left\">Nationwide\u4e5f\u5ba3\u79f0\uff0c\u6682\u4e0d\u4f1a\u6539\u53d8\u5176\u8d37\u6b3e\u8ba1\u5212\uff0c\u5e76\u8868\u793a\uff1a\u201c\u4f5c\u4e3a\u8d1f\u8d23\u4efb\u7684\u8d37\u65b9\uff0c\u6211\u4eec\u59cb\u7ec8\u786e\u4fdd\u4eba\u4eec\u73b0\u5728\u548c\u5c06\u6765\u90fd\u80fd\u8d1f\u62c5\u5f97\u8d77\u62b5\u62bc\u8d37\u6b3e\uff0c\u5e76\u4e14\u4e0d\u4f1a\u56e0\u4e3a\u8fd9\u4e00\u516c\u544a\u800c\u6539\u53d8\u3002\u201d<\/p>\n<p align=\"left\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-109053\" src=\"https:\/\/www.buyhomeuk.com\/wp-content\/uploads\/2022\/08\/24436154-IhqKDw.jpg\" width=\"976\" height=\"549\" \/><\/p>\n<p align=\"center\"><strong>6<\/strong><strong>\u3001\u4e70\u5bb6\u8fd8\u6709\u54ea\u4e9b\u6ce8\u610f\u4e8b\u9879\uff1f<\/strong><\/p>\n<p align=\"left\">\u867d\u7136\u8d1f\u62c5\u80fd\u529b\u6d4b\u8bd5\u7684\u53d6\u6d88\u6682\u65f6\u4e0d\u4f1a\u5bf9\u623f\u4ea7\u5e02\u573a\u4ea7\u751f\u91cd\u5927\u5f71\u54cd\uff0c\u4f46\u6709\u5f88\u591a\u4e1a\u5185\u4eba\u58eb\u6307\u51fa\uff0c\u8be5\u653f\u7b56\u5176\u5b9e\u91ca\u653e\u51fa\u4e00\u79cd\u4fe1\u53f7\uff0c\u90a3\u5c31\u662f\u653f\u5e9c\u4ecd\u5728\u79ef\u6781\u63a8\u52a8\u623f\u5730\u4ea7\u5e02\u573a\u7684\u53d1\u5c55\u3002<\/p>\n<p align=\"left\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-109054\" src=\"https:\/\/www.buyhomeuk.com\/wp-content\/uploads\/2022\/08\/24436154-hOnbI6.jpg\" width=\"976\" height=\"549\" \/><\/p>\n<p align=\"left\">\u800c\u4e14\uff0c\u4ece\u957f\u671f\u6765\u770b\uff0c\u7531\u4e8e\u6240\u6709\u4e70\u5bb6\u90fd\u53ef\u4ee5\u5229\u7528\u8fd9\u4e00\u4f18\u60e0\uff0c\u5927\u5bb6\u5728\u9009\u623f\u65f6\u53ef\u80fd\u4f1a\u63d0\u9ad8\u6807\u51c6\u548c\u9884\u671f\uff0c\u52a0\u4e4b\u4e70\u5bb6\u66f4\u6709\u4fe1\u5fc3\u51fa\u66f4\u9ad8\u7684\u4ef7\u683c\uff0c\u8fd9\u79cd\u60c5\u51b5\u4e0b\u53ef\u80fd\u4f1a\u589e\u52a0\u4e70\u5bb6\u4e4b\u95f4\u7684\u7ade\u4e89\uff0c\u4ece\u800c\u63a8\u9ad8\u623f\u4ef7\u3002<\/p>\n<p align=\"left\">\u4e0d\u8fc7\uff0c<strong>\u76f8\u6bd4\u4e8e\u653f\u7b56\u7684\u53d8\u5316\uff0c\u4e70\u5bb6\u76ee\u524d\u66f4\u9700\u8981\u5173\u6ce8\u7684\u53ef\u80fd\u662f\u623f\u4ef7\u7684\u589e\u957f<\/strong>\u3002\u56e0\u4e3a\u968f\u7740\u623f\u4ef7\u7684\u589e\u957f\uff0c\u4e70\u5bb6\u4e0d\u4ec5\u9700\u8981\u7533\u8bf7\u66f4\u591a\u8d37\u6b3e\uff0c\u51c6\u5907\u7684\u9996\u4ed8\u4e5f\u4f1a\u8d8a\u6765\u8d8a\u591a\u3002<\/p>\n<p align=\"left\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-109055\" src=\"https:\/\/www.buyhomeuk.com\/wp-content\/uploads\/2022\/08\/24436154-CB2wQD.jpg\" width=\"690\" height=\"436\" \/><\/p>\n<p align=\"left\">\u5df4\u514b\u83b1\u94f6\u884c\u7684\u4e00\u9879\u8c03\u67e5\u5c31\u663e\u793a\uff0c\u9996\u4ed8\u662f\u9996\u623f\u8d2d\u623f\u8005\u4e70\u623f\u65f6\u7684\u6700\u5927\u969c\u788d\uff0c\u8d85\u8fc7\u4e00\u534a\u7684\u53d7\u8bbf\u8005\uff0856%\uff09\u8868\u793a\uff0c\u5982\u679c\u6ca1\u6709\u5bb6\u4eba\u7684\u652f\u6301\uff0c\u4ed6\u4eec\u5c06\u65e0\u6cd5\u4e70\u4e0b\u5fc3\u4eea\u623f\u4ea7\u3002<\/p>\n<p 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