Bank of Mum and Dad means 商売／仕事: Half who help children buy a house 推定する／予想する the money to be repaid - with 利益／興味

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概略で half of parents who help 財政／金融 their children's aspirations to get on the 住宅 ladder 推定する／予想する the money to be paid 支援する.

And of those who do want the money 支援する, a whopping 73 per cent 推定する／予想する 利益／興味, a 報告（する）／憶測 from High Street bank HSBC 明らかにする／漏らすd today.

The 調査する of first-time 買い手s showed that around a fifth had received family 財政／金融 in the last year, as the struggle to save for a deposit continues to be the biggest 障害物 when 試みる／企てるing to step の上に the 所有物／資産／財産 ladder.

House help: A large 百分率 of first-time 買い手s turn to parents for 財政上の help - but many are 推定する／予想するd to 支払う／賃金 the money 支援する, with 利益／興味

によれば the findings, 31 per cent of 親族s 申し込む／申し出d cash as an 完全な ‘gift’, while almost a fifth said they had asked for part-所有権 of the 所有物／資産／財産 to collect their money when the home was 結局 sold on.

Of the 73 per cent of parents who do want their money repaid with 利益／興味, th e most ありふれた 率 推定する／予想するd 範囲d between 2.1 per cent to 2.5 per cent.

The typical size of a parental gift or 貸付金 変化させるd 広範囲にわたって, with first-time 買い手s 老年の up to their 中央の-20s receiving around £19,000 and those 老年の from their 中央の-30s 上向きs receiving more than £42,000 on 普通の／平均（する）.

Previous 研究 for HSBC has 設立する that first-time 買い手 sales 価値（がある） £5.3billion would not have happened last year without help from the ‘Bank of Mum and Dad’.

Women are わずかに いっそう少なく likely to be asked to 支払う／賃金 利益／興味 than men, and those buying alone rather than with a partner are also いっそう少なく likely to be 推定する／予想するd to 支払う／賃金 利益／興味.

Families living in Yorkshire and the North West were also 特に likely to request 利益／興味 to be paid, compared to those in the South East and London.

The size of the 所有物／資産／財産 is another important factor, with purchasers of larger homes more likely to be asked to 支払う／賃金 利益／興味 than those buying smaller ones.

によれば HSBC, 82 per cent of parents lending to a first-time 買い手 snapping up a detached house 推定する／予想する to receive 利益／興味, compared with 72 per cent of those buying a 半分-detached house, and 63 per cent of those 購入（する）ing a terraced 所有物／資産／財産.

The 調査する didn’t however ask the question of whether the parents would be happy to 支払う／賃金 税金 on any 可能性のある 伸び（る）s.

Family 財政／金融ing: Without parental help, 19% of first-time home 購入（する）s wouldn't have happened in the last three years, HSBC （人命などを）奪う，主張するs

Peter Dockar, 長，率いる of Mortgages at HSBC, said: ‘Family support has become an important part of the first-time 買い手 財政／金融ing mix, however the 研究 shows that many 親族s would like to be repaid at a later date.

‘To 避ける unnecessary 緊張する on relations その上の 負かす／撃墜する the line it is best to agree the 条件 with family members at the 手始め.’

Family help has played an ますます 決定的な 役割 in helping people to raise the large deposits often needed to get on the 所有物／資産／財産 ladder.

A 熟考する／考慮する from Yorkshire Building Society 設立する last week that it could take someone around eight years to save a typical £26,000 deposit.

Its 研究 also 設立する that first-time homebuyers are turning to parental help to 基金 a 購入（する）,? with 17 per cent of people having help from their parents - compared with 13 per cent of people who had bought a 所有物／資産／財産 five years ago.

Chris Smith at Yorkshire Building Society, said: 'In the last five years mortgage activity in general has more than halved, and today’s first time 買い手s are 直面するing a squeeze on incomes and 支払う／賃金 率s that are not keeping pace with インフレーション.’

同様に as hefty deposits, first-time 買い手s are 存在 削減（する） out of best buy mortgage 取引，協定s. 率s have been trimmed by many 貸す人s for borrowers with smaller deposits but the biggest 削減（する）s have come for those with plenty of 公正，普通株主権 in their homes or a large マリファナ of cash to put 負かす／撃墜する.

For instance, supermarket 巨大（な） Tesco, which only started 申し込む／申し出ing mortgages this summer through its banking arm, has 開始する，打ち上げるd a two-year 直す／買収する，八百長をする at just 1.99 per cent ? but it is only 利用できる to borrowers with a hefty 40 per cent deposit.

And the Yorkshire Building Society 報告（する）／憶測 also 設立する that one of the 重要なs to getting on the 所有物／資産／財産 ladder is setting up a 正規の／正選手 貯金 account.

However, 世帯 財政／金融 圧力s - 含むing 急に上がるing 法案s and 賃貸しの costs - are making it difficult for first-time 買い手s to put enough away each month to make the 購入（する）.

With a large 百分率 of 可能性のある first-time 買い手s ‘罠にかける’ in 賃貸しの 所有物／資産／財産s, 記録，記録的な／記録する high rents are eating in to deposit 貯金 マリファナs.

によれば LSL 所有物／資産／財産 Services last week, typical rents 増加するd by 3.2 per cent 毎年 to £741 a month in September across England and むちの跡s, the fastest year-on-year rise since February.