英格兰银行将抵押贷款的“负担能力测试”取代到首次购买者

自2014年以来，如果利率上升3％，则使用可负担性测试来确定某人是否能够偿还抵押贷款。

当时，它的介绍是为了确保人们承担的债务不会超出实际负担。

但是，在当前情况下，利率上升以及贷方提供的标准变量利率将意味着申请人必须能够支付约7％的费用。

Speaking about the decision to abandon the test, the Bank of England's Financial Policy Committee (FPC) said: "The LTI flow limit without the affordability test, but alongside the wider assessment of affordability required by the FCA’s Mortgage Conduct of Business (MCOB) responsible lending rules, ought to deliver the appropriate level of resilience to the UK financial system, but in a simpler, more predictable and more proportionate way.

“撤回其可负担性测试建议并未对贷方采取任何新要求采取行动，因为现有的负担能力评估惯例已经受到FCA的MCOB框架的约束，并且将保持如此。”

萨维尔斯研究总监劳伦斯·鲍尔斯（Laurence Bowles）表示，他认为这一变化将是首次购房者的推动力。

抵押经纪人私人财务的克里斯·赛克斯（Chris Sykes）也支持此举。

He said: "Just because the recommendations change it doesn’t mean that banks will automatically change the way they look at things; they still have a duty of care, have to be seen to be lending responsibly and also have their own internal risk committees that they would need to get any changes by.

“这将允许的是贷方的额外酌处或创新。也许它可以激发人们最需要低收入但有完美信贷和多年支付租金经验的人的压力率较低。”

然而，批评这一举动的批评者质疑在数百万被生活危机的成本延长的时候是否是明智的，以允许买家借更多的钱。

她说：“今天宣布英格兰银行将放弃其可承受能力规则的时机有些困惑，可能会激怒一些仍然遭受金融坠机的人的记忆。”

“随着利率开始蔓延，以满足通货膨胀和能源和食品价格飙升的破坏性影响，您会认为人们负担抵押贷款的能力现在应该真正受到关注。”

不过，哈勒女士很高兴听到英格兰银行坚持贷款到收入（LTI）的“流量限制”，这也在2014年推出。

LTI限制了以4.5或更高的LTI比率向借款人提供的抵押贷款数量。

She added: "While it is potentially bad timing for the announcement, the change in the affordability rules may not be as significant as it sounds as the loan to income ‘flow limit’ will not be withdrawn, which has much greater impact on people’s ability to borrow."