2025年7月，英国全国房价指数同比上涨2.4%，高于预期，6月份上涨2.1%。与上月相比，价格上涨0.6%，从6月份0.9%的跌幅反弹，超过了0.3%的预期涨幅。Nationwide首席经济学家Robert Gardner指出，尽管印花税假期结束后出现波动，但住房活动仍然具有弹性。6月，即使在利率较高的情况下，仍有64200份抵押贷款批准与疫情前的水平相匹配。在收入强劲增长、房价涨幅放缓和抵押贷款利率下降的支持下，可负担性有所提高。目前，普通住宅的价格是平均收入的5.75倍，低于2022年6.9倍的峰值，也是十多年来的最低水平。五年期固定抵押贷款利率已降至4.3%左右，远低于2023年底的高点。由于失业率低、实际工资上涨和家庭财务状况良好，购房者的条件是有利的。如果央行降息，住房活动可能会进一步加强。

The UK Nationwide House Price Index rose 2.4% year-on-year in July 2025, above expectations and June’s 2.1% rise. Compared to the previous month, prices increased 0.6%, rebounding from a 0.9% drop in June and exceeding forecasts of a 0.3% gain. Nationwide’s Chief Economist Robert Gardner noted that, despite volatility from the end of the stamp duty holiday, housing activity remains resilient. In June, 64,200 mortgage approvals matched pre-pandemic levels, even amid higher interest rates. Affordability has improved, supported by strong income growth, subdued house price gains, and falling mortgage rates. The typical home now costs 5.75 times average income, down from the 2022 peak of 6.9 and the lowest in over a decade. Five-year fixed mortgage rates have eased to around 4.3%, well below late 2023 highs. With low unemployment, rising real wages, and healthy household finances, conditions for buyers are favorable. If the central bank cuts rates, housing activity may strengthen further.