英语论文网

房价实际上依赖于供给和需求的因素主要为目前市场可能增加或减少，或是其他因素决定的价格下跌或上升，尽管在供应或需求的抑制。
最有利的因素破坏了英国房地产业的兴衰，在最近房屋价格急剧垮台可能被判定为两者结合的经济衰退和失业率上升。最近的数据表明，大多数英国市民或住所已返回自己的家园，他们的家庭已经居住在英国的生活，在每一个人的平均生活成本的增加相比，市盈率，这也对价格产生负面影响。

House prices as a fact are amiably mostly dependent on the supply and demand factors prevailing as per the current situation in the market and the likelihood of increase or decrease or invariably other factors which determine the prices to fall or to rise despite the curb in the supply or demand.

The most favourable factors undermining the rise or fall in the UK housing industry preferably depends on both factors which we are discussing in the below facts and figures amicably effecting the UK mortgage industry.

Steep downfall in the prices of the houses in the recent past could be adjudged as a combination of both recession and the rising unemployment. Recent figures have shown that most of the UK citizens or domiciles have returned to their homes to live with their family already residing in the UK, where the average living cost per individual increased compared to the earnings ratio, which also had a negative impact on the prices.

Let us first lay some emphasis on the demand side factors in comparison to the figures for last three years.

2. The factors effecting the house price values in uk for the last three years 近三年来英国市房价影响因素的影响因素分析

2.1. Real Income/Economic Growth

Increase in income capacities will help enable people to increase the cost on spending more for buying a property or a house. Initially the rising income capacities would impact the mortgage price by x3 of your original earned income. Basically, if your annual earnings in a financial year work out to be nearly ￡30000, the building societies would be lending about ￡90000 for your mortgage.

This factor also raises the suspicion on the analytics as to despite the fact that house prices have doubled in the past 5 years why are they still affordable?

This is because of the House prices to incomes ratio, which would entail the common phenomenon as to how the income levels affect the increase in the house prices.

2.2. Interest rates.

The rate of interest varies with the different lenders and ultimately it affects the total cost bearing the payment for a mortgage. As mortgage payments form the biggest share of their monthly share for any homeowner interest rates form a very distinct factor and play an important role for a middle-income household earner.

From UK's economic view of standpoint, mortgages form an integral part of the UK economy in terms of capital income, growth, and market share. The majority of mortgagors in UK have a common product called the variable mortgage which is directly proportional where the interest rates rises which will in turn causes the mortgages to rise, intimidating the people to buy the houses.

The committee which sets the base rates is the Bank of England, which usually affects all the commercial interest rates for both commercial and industrial sectors on the financial front.

2.3. Consumer assurance

During the phase between the years 2001-2007, where there were 100% mortgages and

interest-only mortgages were very common, but people insisted on getting a mortgage with higher debt to their individual income or joint