正文翻譯

Average UK house price exceeds ￡260,000 for first time
-Shortage of homes for sale in February pushes up house price growth for seventh straight month

英國(guó)平均房?jī)r(jià)首次超過(guò)26萬(wàn)英鎊
——2月份待售房屋短缺，推動(dòng)房?jī)r(jià)連續(xù)第7個(gè)月上漲

(The price of a typical home is about 20% higher than it was in February 2020, shortly before Covid lockdowns started in the UK, Nationwide says.)

（全英房屋抵押貸款協(xié)會(huì)表示，普通住房的價(jià)格比2020年2月，也就是英國(guó)開(kāi)始封鎖之前，高出約20%。）
新聞：

A shortage of homes for sale last month sent house price growth spiralling for the seventh consecutive month to 12.6%, prompting concerns that property values are moving further out of reach of first-time buyers.

上月待售房屋的短缺導(dǎo)致房?jī)r(jià)連續(xù)第七個(gè)月飆升至12.6%，引發(fā)了人們對(duì)房地產(chǎn)價(jià)格進(jìn)一步超出首次購(gòu)房者承受能力的擔(dān)憂。

Prices of the average home increased by 1.7% in February to more than ￡260,000 for the first time, said the building society Nationwide, accelerating the pace of growth from 11.2% in January.

全國(guó)住房抵押貸款協(xié)會(huì)表示，2月份平均房?jī)r(jià)首次上漲1.7%，達(dá)到26萬(wàn)英鎊以上，較1月份的11.2%有所加快。

Analysts, who expected a smaller increase in prices last month, said the ending of Covid restrictions enforced because of the Omicron variant and the threat of several interest rate rises this year from the Bank of England also spurred buyers to secure homes ahead of the peak Easter buying period.

預(yù)計(jì)上月房?jī)r(jià)會(huì)出現(xiàn)小幅上漲的分析師們表示，由于奧密克戎變種的出現(xiàn)，取消了對(duì)疫情的限制，以及英國(guó)央行今年數(shù)次加息的威脅，也促使購(gòu)房者在復(fù)活節(jié)購(gòu)房高峰期前購(gòu)房。

Stiff competition between lenders for mortgage business, which has driven the offers for fixed-rate mortgages lower in recent months, was another factor driving prices higher.

貸款機(jī)構(gòu)之間對(duì)抵押貸款業(yè)務(wù)的激烈競(jìng)爭(zhēng)是推高房?jī)r(jià)的另一個(gè)因素。近幾個(gè)月來(lái)，這種競(jìng)爭(zhēng)壓低了固定利率抵押貸款的報(bào)價(jià)。
原創(chuàng)翻譯：龍騰網(wǎng) http://www.ltaaa.cn 轉(zhuǎn)載請(qǐng)注明出處

Nationwide said the increase pushed the average British house price to ￡260,230, after soaring by almost ￡30,000 over the past 12 months – the biggest annual increase in cash terms that its monthly index has recorded in more than 30 years of its existence.

全英房屋抵押貸款協(xié)會(huì)表示，在過(guò)去12個(gè)月上漲近3萬(wàn)英鎊后，此次上漲將英國(guó)平均房?jī)r(jià)推高至260230英鎊，這是該協(xié)會(huì)成立30多年來(lái)月度房?jī)r(jià)指數(shù)中現(xiàn)金計(jì)算的最大年度漲幅。

The price of a typical home is about a fifth higher than it was in February 2020, shortly before the coronavirus lockdowns started in the UK, according to Nationwide. This equates to a cash increase of ￡44,140.

根據(jù)全英房屋抵押貸款協(xié)會(huì)的數(shù)據(jù)，一套普通住房的價(jià)格比2020年2月英國(guó)冠狀病毒封鎖開(kāi)始前不久的價(jià)格高出約五分之一。這相當(dāng)于增加了44140英鎊的現(xiàn)金。

As house price growth has outpaced wage increases, and housing affordability has become stretched, the price of a typical home sits at about 6.7 times average earnings, up from a ratio of 5.8 in 2019, according to Nationwide.

根據(jù)全英房屋抵押貸款協(xié)會(huì)的數(shù)據(jù)，隨著房?jī)r(jià)增速超過(guò)工資增速，住房負(fù)擔(dān)能力變得捉襟見(jiàn)肘，典型住房的價(jià)格約為平均收入的6.7倍，高于2019年的5.8倍。

Robert Gardner, Nationwide’s chief economist, said housing market activity had remained robust in recent months, with mortgage approvals continuing to run above pre-pandemic levels at the start of the year.

全英房屋抵押貸款協(xié)會(huì)首席經(jīng)濟(jì)學(xué)家羅伯特·加德納表示，近幾個(gè)月來(lái)，房地產(chǎn)市場(chǎng)活動(dòng)依然強(qiáng)勁，抵押貸款審批繼續(xù)高于20年初疫情爆發(fā)前的水平。

He said: “A combination of robust demand and limited stock of homes on the market has kept upward pressure on prices.

他表示：“市場(chǎng)上強(qiáng)勁的需求和有限的房屋存量使房?jī)r(jià)面臨上行壓力。

“The continued buoyancy of the housing market is a little surprising, given the mounting pressure on household budgets from rising inflation, which reached a 30-year high of 5.5% in January, and since borrowing costs have started to move up from all-time lows in recent months.

考慮到通脹上升給家庭預(yù)算帶來(lái)的越來(lái)越大的壓力（1月份通脹率達(dá)到了5.5%的30年來(lái)最高水平），以及近幾個(gè)月來(lái)借貸成本從歷史低點(diǎn)開(kāi)始上升，房地產(chǎn)市場(chǎng)的持續(xù)上漲有點(diǎn)出人意料。

“The strength is particularly noteworthy since the squeeze on household incomes has led to a significant weakening of consumer confidence.”

“由于家庭收入縮水導(dǎo)致消費(fèi)者信心明顯減弱，這一勢(shì)頭尤其值得注意。”
原創(chuàng)翻譯：龍騰網(wǎng) http://www.ltaaa.cn 轉(zhuǎn)載請(qǐng)注明出處

Ross Boyd, the founder of the mortgage comparison platform Dashly.com, said: “First-time buyers are as keen as ever to get out of the rental market and on to the property ladder, as it’s usually cheaper to own if you can find the deposit.

抵押貸款比較平臺(tái)Dashly.com的創(chuàng)始人羅斯·博伊德表示：“首次購(gòu)房者像以往一樣熱衷于退出租賃市場(chǎng)，轉(zhuǎn)投房產(chǎn)市場(chǎng)，因?yàn)槿绻隳苷业绞赘?，通常買房會(huì)更便宜?！?/p>

“The major challenges facing the market right now are a scandalous lack of stock, interest rate rises and the surging cost of living.”

“市場(chǎng)目前面臨的主要挑戰(zhàn)是庫(kù)存嚴(yán)重不足、利率上升和生活成本飆升?！?br>原創(chuàng)翻譯：龍騰網(wǎng) http://www.ltaaa.cn 轉(zhuǎn)載請(qǐng)注明出處

Martin Beck, the chief economic adviser to the EY Item Club, said most purchases were likely to be by households that had saved during the pandemic and were more immune from the rising cost of living when deciding to buy.

安永項(xiàng)目俱樂(lè)部首席經(jīng)濟(jì)顧問(wèn)馬丁·貝克表示，大多數(shù)購(gòu)房的家庭可能是在疫情期間存錢的，在決定購(gòu)買時(shí)，對(duì)生活成本上升的影響更具抵抗力。

Some households might also anticipate that the conflict in Ukraine and the growing uncertainty about the economic outlook will restrain the Bank of England from increasing rates much above 1%.

一些家庭可能還預(yù)計(jì)，烏克蘭的沖突和對(duì)經(jīng)濟(jì)前景日益增長(zhǎng)的不確定性將限制英國(guó)央行將利率提高到遠(yuǎn)高于1%的水平。

“But overall, while the cost of mortgages may rise more slowly than had been expected, the outlook for the housing market is looking less buoyant,” he said.

"但總體而言，盡管抵押貸款成本的上升速度可能低于預(yù)期，但房地產(chǎn)市場(chǎng)的前景似乎不那么樂(lè)觀，”他表示。

Gardner said that if the labour market remained strong and inflation continued to rise towards 8%, as many Analysts predicted, the Bank would have little choice but to raise rates this year.

加德納說(shuō)，如果勞動(dòng)力市場(chǎng)保持強(qiáng)勁，通貨膨脹率繼續(xù)向8%上升，就像許多分析師預(yù)測(cè)的那樣，英國(guó)央行將別無(wú)選擇，只能在今年加息。

“Assuming that labour market conditions remain strong, the Bank of England is likely to raise interest rates, which will exert a further drag on the market if this feeds through to mortgage rates.

“假設(shè)勞動(dòng)力市場(chǎng)狀況保持強(qiáng)勁，英國(guó)央行可能會(huì)加息，如果這傳導(dǎo)至抵押貸款利率，將對(duì)市場(chǎng)造成進(jìn)一步拖累。

“Housing affordability has already become more stretched, in part because house price growth has been outstripping earnings growth by a wide margin since the pandemic struck.”

“住房負(fù)擔(dān)能力已經(jīng)變得更加吃緊，部分原因是自疫情爆發(fā)以來(lái)，房?jī)r(jià)漲幅一直遠(yuǎn)遠(yuǎn)超過(guò)收入漲幅。”