Osborne 誓約（する）s to lend new home 買い手s 20% of 所有物／資産／財産 value and 保証（人）s £130bn of low-deposit mortgages

By Tara Evans

Updated: 09:09 BST, 21 March 2013

The 政府 will lend 買い手s of new homes 20 per cent of the value of their 所有物／資産／財産 and help 同意して署名する £130billion in 5 per cent deposit mortgages as part of a £5.4billion 一括 in the 予算 today.

The new 'Help to Buy' 率先 発表するd by the （ドイツなどの）首相／（大学の）学長 today is designed to help people who have struggled to raise large deposits since 貸す人s 強化するd lending and scrapped 主要な mortgage 取引，協定s in the 影響 of the 財政上の 危機.

Help to Buy is 構成するd of two elements - 貸付金s direct to the 買い手s of new build homes of up to 20 per cent of the 所有物／資産／財産s value, and 保証（人）s to 貸す人s so that they can 申し込む／申し出 up to £130billion of 付加 95 per cent 貸付金-to-value mortgages for any 所有物／資産／財産.

Help: Osborne 明かすd 援助 for home 買い手s struggling to find deposits on new and old 所有物／資産／財産s in today's 予算 告示.

The 20 per cent 貸付金s will be 利用できる from April 1. 買い手s are 要求するd to rais e a 5 per cent deposit themselves, taking the 全体にわたる deposit laid 負かす／撃墜する to 25 per cent, and the 所有物／資産／財産 in question must be 価値（がある） いっそう少なく than £600,000.

The 貸付金s are 利益／興味 解放する／自由な for five years and repayable once the home is sold.

In the sixth year borrowers will have to 支払う／賃金 a 料金 of 1.75 per cent on the 貸付金, rising 毎年 によれば インフレーション 加える 1 per cent.

分かれて, a £130billion 'mortgage 保証（人） 計画／陰謀' will help any 現在の homeowners looking to climb the 所有物／資産／財産 ladder, 同様に as those buying for the first time.

The 保証（人）s will be sold to 貸す人s, which will then 申し込む／申し出 mortgages for deposits between 5 and 20 per cent. The 貸付金s can be used to by any 所有物／資産／財産 up to the value of £600,000. It will run for three years.

見込みのある 買い手s would 与える／捧げる 5 per cent of the value of the 所有物／資産／財産 and the 政府 will 保証（人） another 15 per cent.

How they compare: Picture one shows an example for the new 公正，普通株主権 貸付金 for new build 所有物／資産／財産s. Picture two shows the 選択 for 買い手s receiving a mortgage 保証（人）.

Both 計画／陰謀s will 要求する borrowers to 会合，会う credit and affordability 計画／陰謀s with their 現在の 貸す人 and will be 利用できる to first-time-買い手s and home movers.

Under the new 計画（する）s, 存在するing 計画／陰謀s will remain 不変の. At 現在の, FirstBuy, a 株d 所有権 計画／陰謀s 許すs qualifying 買い手s to buy new-build 所有物／資産／財産s with a mortgage of 75 per cent of its value.

The 買い手s puts up a deposit of at least five per cent and the 政府 and 建設業者 供給する an '公正，普通株主権 貸付金', 持つ／拘留するing a 火刑／賭ける in the home 価値（がある） up to 20 per cent.

When the 所有物／資産／財産 is sold the 建設業者 and the 政府 are repaid a 百分率 of the sale value to 反映する their 共同の 所有権.

The 現在の NewBuy 計画／陰謀 enables 買い手s with as little as 5 per cent deposits to buy newly-built homes.

The 買い手 agrees to 購入（する） from one of seven developers and they then 適用する to a 貸す人 for a mortgage of up to £500,000. It is open to all 買い手s, not just first-time owners.

New homes: The Help to Buy 計画／陰謀 is designed to help those who are struggling to find deposits to buy homes.

However, 産業 専門家s were 関心d about the 欠如（する） of new homes 存在 built and rising 賃貸しの prices.

長，指導者 (n)役員／(a)執行力のある of the 国家の 住宅 連合, David Orr said: 'Our 住宅 market has long been 弱めるd by the 欠如（する） of new houses 存在 built, which are 軍隊ing up 賃貸しの and house prices ? leaving millions of people struggling to get on the 所有物／資産／財産 ladder or 支払う／賃金 their rent.

'The 政府 should be 焦点（を合わせる）ing on 打ち明けるing 投資 to build more new homes as a way of managing 負かす／撃墜する the 住宅 利益 法案 and 上げるing the economy. We welcome the 対策 to support new 供給（する） but they are very small 規模.'

Jonathan Moore, managing director of EasyRoommate, said: 'There is still a 抱擁する 供給（する） and 需要・要求する 不均衡 in the 賃貸しの market and this needs to be 演説（する）／住所d. 上げるing house-building is one part of the answer but the （ドイツなどの）首相／（大学の）学長 has 行方不明になるd a golden 適切な時期 to 打ち明ける accommodation sat idle across the country.

'There are だいたい 25m empty bedrooms in the UK. If even a fraction of these were opened up to 支払う／賃金ing tenants it would 解放（する） some of the 圧力 building up in the 賃貸しの 部門. The rent a room 計画／陰謀 許すs homeowners to earn £4,250 per year 税金 解放する／自由な from letting out accommodation in their home. But this allowance hasn’t been 増加するd for years.'

Ian Fletcher, director of 政策 at the British 所有物／資産／財産 連合, said: 'It's encouraging the 政府’s 信用／信任 in build to rent has been 報いるd and we are delighted to see that the 公正，普通株主権 基金ing was ひどく oversubscribed. Working in 共同 with 政府 the 部門 should 配達する an exciting and 質 array of homes for renters.'