Bank of Mum and Dad funds one in two house purchases among under-35s 法律 & General research reveals

One in every two first-time buyers aged under 35 is receiving financial support from the Bank of Mum and Dad, new research from 法律 & General and Cebr has revealed. More than half (56%) of those under the age of 35 received a financial gift to help them step onto the housing ladder. In a further sign that ‘BoMaD’ is playing an ever-present role in the housing market, 71% of these new homeowners say they would not have been likely to buy without financial support from family or friends. Instead, they would have to delay their housing plans by four years on average.

  • New data from 法律 & General shows that 56% of first-time buyers aged under 35 received financial support from the Bank of Mum and Dad to help them step on the housing ladder
  • 这些新房主的近四分之三(71%)不会在没有家庭或朋友的财政帮助下的情况下购买
  • 但是“Bomad”正在帮助老年买家 - 妈妈和爸爸的银行将在今年的35多个人中贷款214亿英镑

The research follows earlier findings from 法律 & General, which showed that the Bank of Mum and Dad is stepping in to support loved ones as the economic impact of COVID-19 takes hold. A third (33%) of all people looking to buy in the next five years plan on getting financial help from family or friends.

2020年,Bomad'贷款人将在35岁以下的房产购物中发挥积极作用。尽管较广泛的财产在Q2 2020期间,近一半的财产购买近一半的交易水平只有8%的交易水平下降了8%。 [1]法律 & General research also shows that the Bank of Mum and Dad is lending on average £19,000 to first-time buyers under the age of 35, with 21% of respondents in this age bracket saying they received more than £30,000. In total in 2020, the under 35s will receive £1.36bn in BoMaD contributions, helping them to purchase £18.11bn worth of property. However, not all first-time buyers will receive the funding as a gift, with 30% expected to pay at least some of it back.

然而,这不仅仅是35岁以下,而且需要妈妈和爸爸银行的财政支持。超过35岁的人的财政支持将占20世纪2020年的2.14亿英镑,占妈妈银行的61%,又在2020年的贷款总贷款。虽然这一高数字部分是由于较旧的首次买家是部分寻找较大,更昂贵的物业作为他们的日益增长的家庭,Bomad仍将在超过35岁以下的101,800项交易后落后于大约300,000名Bomad的购买购买,而不是我们在35岁以下的年龄组看到。甚至十分之一(9%)达到55岁以上的人购买,所以没有从Bomad的财政支持下推迟他们的购买。

即使依靠妈妈和爸爸的银行进行资金,而且国家面临着Covid-19的经济影响,Bomad Lenders自己仍然渴望得到帮助。近74%的人在大流行中看到他们收入的人表示危机使他们不那么愿意帮助亲人在住房阶梯上。

 

[1] //assets.publishing.service.gov.uk/government/uploads/system/uploads/attachment_data/file/901773/mpt_com_jul_20__cir__v2.pdf.

妈妈和爸爸的博士在英国的房地产市场中的作用是无处不在的。在英国,父母,祖父母,家人和朋友们正在挖掘他们的口袋,帮助年轻,充满希望的买家甚至种植家庭,让他们的住房计划成为现实。这些慷慨的贷款人通常是资金大多数或所有存款买家需要踩到梯子上。

但是,虽然妈妈和爸爸的银行对许多买家来说都有明确和目前的作用,但它仍然是一个破碎的住房市场的症状。成千上万的人根本没有妈妈和爸爸依靠。对于那些那样的人来说,慷慨的家庭成员仍然必须借鉴退休储蓄和下雨天的基金,即使国家经历了自第二次世界大战以来最重要的经济挑战。

We must address the UK’s ongoing housing crisis. Only then will we be able to tackle the issue of affordability. Britain’s housing sector is a critical engine behind the country’s economic growth and we need a strong property market now more than ever to drive the economic recovery from COVID-19. 法律 & General is at the forefront of this ambition as we continue to invest in delivering housing for all ages, social groups and tenures throughout the UK.

Nigel Wilson, CEO at 法律 & General

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本新闻稿中包含的信息仅适用于记者,不应被私人投资者或任何其他人依赖于做出财务决策的人。   

About 法律 & General

Established in 1836, 法律 & General is one of the UK’s leading financial services groups and a major global investor, with international businesses in North America, Europe, Middle East and Asia.   

2020年6月30日的管理层下的总资产近1.2万亿,我们是英国公司养老金计划最大的投资经理以及领先的全球养老金提供解决方案,人寿保险,工作场所养老金和退休收入。作为我们对全包资本主义和建立更好的所有社会的承诺的一部分,我们投资超过250亿英镑的直接投资,例如房屋,城市再生,清洁能源和小型企业金融。  

Legal & General Assurance Society Limited Registered in England and Wales No. 166055. 法律 & General Assurance Society Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Registered office: One Coleman Street, London EC2R 5AA.  

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