英国房价自近三年来首次同比下跌

根据劳埃德银行最新数据，英国房价出现自2023年11月以来首次年度下跌1。8月份房价同比下滑0.4%，平均房价为298468英镑，环比下跌0.2%或685英镑1。

劳埃德银行将房市低迷归因于多重因素1。两年期固定抵押贷款平均利率为5.63%，五年期为5.68%，均高于年初5%以下的水平1。银行指出，更高的抵押贷款利率、地缘政治不确定性和可承受性问题打压了买房需求，抵押贷款批准处于2024年以来最低水平1。

地区差异明显。北爱尔兰房价逆势增长6.9%至231245英镑，苏格兰增长3.5%至223437英镑1。相比之下，英格兰东南部房价下跌1.6%至381729英镑，伦敦大区下跌1.5%至534177英镑1。劳埃德银行预计未来几个月市场仍将保持低迷1。

UK house prices have declined year-on-year for the first time since November 2023, according to data released by Lloyds Bank 1. The average property price fell 0.4 percent annually and dropped 0.2 percent month-on-month in August, reaching 298,468 pounds 1.

The downturn reflects mounting pressure on homebuyers, driven by elevated mortgage rates and broader economic uncertainties 1. Two-year fixed-rate mortgages averaged 5.63 percent while five-year terms stood at 5.68 percent, both substantially higher than levels below 5 percent seen earlier in the year 1. Lloyds noted that mortgage approvals had fallen to their lowest level since the start of 2024, indicating weakened demand in the property market 1.

Regional variations painted a mixed picture across the UK. Northern Ireland bucked the downward trend with house prices climbing 6.9 percent to 231,245 pounds, while Scotland recorded growth of 3.5 percent to 223,437 pounds 1. In contrast, southeastern England experienced a 1.6 percent decline to 381,729 pounds, and Greater London fell 1.5 percent to 534,177 pounds 1.