警告 on buy-to-let
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INVESTORS who have bought 付加 homes to rent out, so called buy-to-let 所有物/資産/財産s, are becoming ますます exposed to a 低迷 in the 所有物/資産/財産 market, によれば the 主要な City 監視者.
John Tiner, managing director of the 財政上の Services 当局, 恐れるs 貸す人s may become happier to 受託する smaller deposits on buy-to-let mortgages at the time of a 壊れやすい 所有物/資産/財産 market in London and the South-East.
Speaking at a 会議 of Mortgage 貸す人s 会議/協議会, Tiner said: 'It is important that 貸す人s take account of 可能性のある affordability problems for the 投資家 borrowing to 基金 this type of 投資, 特に in areas of particular 危険 such as London and the South-East, where there is a 集中 of the buy-to-let market.'
He 追加するd that house prices in London and the South-East are 歴史的に high compared with 給料 yet many buy-to-let borrowers continue to take the 最大限 貸付金 they can get, leaving them 'exposed to growing 危険 of market under-業績/成果'.
Buy-to-let has にわか景気d in 最近の years. The 量 borrowed has leapt 60% to £10bn, spread across 130,000 貸付金s, in the past year alone. 需要・要求する has been fuelled by 投資家s disaffection with low 株式市場 returns at a time when the 所有物/資産/財産 market has 成し遂げるd powerfully, together with mortgage 貸す人s 増加するing 乗り気 to 受託する smaller deposits from borrowers. Some 受託する as little as 15% compared with a typical 25% 負かす/撃墜する 支払い(額) a 10年間 ago. A growing 禁止(する)d of people are now even building up 所有物/資産/財産 大臣の地位s as a more lucrative 代案/選択肢 to 伝統的な 株式市場-linked 年金s.
The danger is that the UK's slowing economy could 原因(となる) house prices and 賃貸しの income to 緩和する 支援する. Rent could fail to cover mortgage 返済s and a landlord may be 軍隊d to sell. This could be when house prices have fallen, leaving the borrower in 消極的な 公正,普通株主権. There are also 関心s that 利益/興味 率s, which have fallen from 6% to 4% this year, could rise 速く next year 追加するing to the 重荷(を負わせる) in the form of rising 返済s.
Southern England would be 特に exposed to any 減産/沈滞 with 75% of buy-to-let 所有物/資産/財産s.
A 最近の 報告(する)/憶測 by the CML argued that buy-to-let 投資 remained 比較して 安全な because 需要・要求する for rented 所有物/資産/財産s rises as house prices 弱める, with more people choosing to rent rath er than buy. This also means empty (一定の)期間s between lets also become shorter. The 報告(する)/憶測 said: 'This means that the buy-to-let 部門 has, in 影響, a built-in stabiliser. Default levels on buy-to-let mortgages are already lower than for 居住の mortgages 全体にわたる, and the 危険s of borrowers 存在 軍隊d to sell because of a 後退 in the 住宅 market appear to be low.'
CML's 見解(をとる)s are echoed in a new 報告(する)/憶測 by Neil 吊りくさび of BuytoLetSecrets.co.uk. He said: 'More people will choose to rent rather than buy (next year), and this will 運動 up 賃貸しの prices.'
Tiner 受託するs that the 未来 of buy-to-let is 有望な with student numbers on the rise and UK 全労働人口 ますます 要求するd to move around the country and to rent. However, he 追加するd: '投資家s should be (疑いを)晴らす-sighted about the long-称する,呼ぶ/期間/用語 nature of this 投資 and the possible difficulties they may 直面する in cashing in their 所有物/資産/財産 投資 in the event of a weak market.'
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