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
  • 几乎这些新业主的四分之三(71%)不会一直倾向于购买不从家人或朋友的财政援助
  • 但“bomad”帮助年长的买家,太 - 妈妈和爸爸的银行今年将借给£2.14bn到35岁以上

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.

在2020年,bomad“贷款人”将在35岁以下的那些年龄之间的73160名购买房产,这只是从2019事务级别(79631)下降了8%,尽管更广泛的购买房产Q2 2020中近一半倒塌发挥积极作用。 [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.

它不只是需要从妈妈和爸爸的银行金融支持下-35,但是。购房那些35岁以上的资金支持将占到2.14bn£或妈妈和爸爸在2020年贷款总额,而很可能是这个高的数字是,部分银行的61%,由于旧的首次购房者寻找更大,更昂贵的房产作为家庭为他们的成长家庭,bomad仍然会落后过35秒中101800周的交易 - 这大约30,000多bomad支持购买比我们的下35S年龄组看。即使一个在55岁以上计划购买十(9%)的人表示,他们将不得不推迟他们的购买,而不从bomad资金支持。

即使有这么多的依赖于爸爸妈妈的银行资金,并在全国正视covid-19,bomad贷款人的经济影响自己仍然渴望助阵。近74%的人谁看到他们的收入的流行病说危机已经使他们不那么愿意帮助亲人到住宅梯时摔倒。

 

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

妈妈和爸爸的角色在英国的住房市场,银行是无处不在的。在英国,父母,祖父母,家人和朋友都在挖掘到他们的口袋,以帮助年轻的,充满希望的买家甚至种植家庭,使他们的住房计划成为现实。这些慷慨的贷款往往是资金大部分或全部存款的买家需要跨上或向上的阶梯。

但是当妈妈和爸爸是打了很多购房者一个明确的和现在的角色的银行,它仍然是一个打破房地产市场的征兆。成千上万的人根本就没有爸爸妈妈的银行依靠。而这样做的,慷慨的家庭成员仍然有对退休储蓄和雨天的动用,即使该国经历了最显著的经济挑战,因为在第二次世界战争。

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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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.   

几乎1.2万亿中所管理的总资产6月30日2020年,我们是英国的企业年金计划最大的投资管理公司和养老金的全球领先供应商去冒险的解决方案,寿险,养老金工作和退休收入。作为我们的包容性资本主义承诺的一部分,建设一个更美好的社会,我们已经投入了直接投资25十亿£如住宅,城市再生,清洁能源和小企业融资。  

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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