加税预期拖累市场 英国抵押贷款需求跌至五个月冰点

Group 1 - The demand for housing loans in the UK has dropped to its lowest level in five months, as buyers adopt a wait-and-see approach ahead of the Labour Party's proposed tax budget [1] - The Bank of England reported that the number of mortgage approvals in November fell from 65,010 in the previous month to 64,530, marking the lowest level since June, although still above economists' expectations of 64,000 [1] - The new tax on properties valued over £2 million (approximately $2.7 million) announced by Chancellor Rachel Reeves is expected to have a limited impact, as these properties represent a small fraction of the total housing stock in the UK [4] Group 2 - The recent budget proposal has slightly suppressed the housing market, as indicated by a report from the UK Finance showing an unexpected decline in house prices in December [4] - In November, consumers added £2.1 billion in unsecured debt, the highest level in two years and double the market expectations, primarily driven by credit card borrowing which increased by £300 million to reach £1 billion [4]