在10月份，由于潜在买家因担忧预算案中针对英国房地产市场增税而暂缓决策，英国住房贷款需求略有 下降。英国央行周一数据显示，抵押贷款批准数量从9月的65,647件降至65,018件，高于经济学家预测的 64,500件，表明潜在需求仍具韧性。 这些数据进一步证明，预算案公布前的市场猜测对楼市产生了抑制作用。此前传闻财政大臣雷切尔.里 维斯将对高价房产征收财富税以填补预算缺口，此举可能对伦敦和东南部地区的业主造成尤其严重的冲 击。 英央行另一组数据显示，10月份消费者净借款额为11亿英镑，低于前月的14亿英镑。随着消费者为黑色 星期五折扣和圣诞购物季做准备，11月借款额可能有所回升。 而11月26日公布的预算声明并未如市场担忧那般对房地产市场进行全面打击，主要措施仅针对价值超过 200万英镑(约合260万美元)的房产开征新税。这提振了市场对未来数月楼市可能重拾动力的预期。 对借款人而言，通胀似乎已见顶，且英国央行预计将在本月晚些时候进一步降息。 10月份英国家庭向银行和建房互助会账户额外存入68亿英镑，高于此前六个月59亿英镑的平均水平。 据英央行统计，家庭当月向计息活期存款账户增存55亿英镑，向免税个人储蓄账户存 ...

Core Insights - The article discusses the rise of delivery fees imposed by state and local governments, often referred to as "doorstep taxes," which are seen as a new form of taxation on consumers [1][5][14] Government Actions - States like Minnesota and Colorado have already implemented delivery fees, with Colorado charging 28 cents and Minnesota 50 cents on orders over $100 [2][3] - Other states, including Nebraska, Ohio, and New York, are considering similar fees ranging from 25 to 75 cents per transaction [3] Revenue Generation - Colorado's delivery fee is projected to generate $5 billion in revenue over the next decade [3] - Legislators view these fees as an effective way to fund government services, especially as traditional tax sources face resistance [6][18] Economic Context - The shift towards a delivery economy has prompted states to impose these fees as a legitimate means of revenue collection [6][17] - Experts suggest that these "sneaky fees" are essentially disguised taxes that consumers may not readily notice [5][11] Consumer Impact - The article highlights concerns that these fees disproportionately affect low-income families who rely on delivery services [15][16] - There is a growing trend of "neighborhood fees" at locations like airports, where additional charges are levied on concessions [9][10] Industry Response - Tech companies, including Amazon and DoorDash, are opposing these taxes, arguing they are regressive and harmful to families living paycheck to paycheck [14][15] - The tech industry views these delivery taxes as ineffective short-term solutions that do not address underlying budget issues [17] Future Considerations - Some lawmakers believe that imposing delivery fees could encourage more thoughtful consumer behavior and help fund infrastructure projects [18][20] - The article suggests that as consumers become accustomed to these fees, states may continue to explore this revenue avenue, despite potential negative impacts on small businesses [13][12]