2013年-FCA英国金融行为监管局_mlar_stats_part_i_summary_june_2013_6页_314kb

报告摘要

MLAR Statistics: June 2013 Edition Summary

Core Content Overview

This document provides a detailed summary of MLAR (Mortgage Lenders' Accounts Regulation) statistics for Residential loans to individuals from 2011-Q4 to 2013-Q1. It includes data on new business volumes, new business characteristics, loan book position, and arrears & provisions for both unsecuritised and securitised loans. The statistics are divided into several sections, with a focus on the Regulated + Non-regulated categories.

1. New Business Volumes

A. Gross Advances (£m)

2011-Q4: 40,107
2012-Q1: 36,443
2012-Q2: 36,927
2012-Q3: 39,595
2012-Q4: 39,397
2013-Q1: 33,980

B. Net Advances (£m)

2011-Q4: 4,104
2012-Q1: 2,662
2012-Q2: 4,661
2012-Q3: 5,570
2012-Q4: 4,440
2013-Q1: 1,279

C. New Commitments (£m)

2011-Q4: 37,045
2012-Q1: 37,051
2012-Q2: 39,811
2012-Q3: 35,934
2012-Q4: 36,891
2013-Q1: 35,454

2. New Business Characteristics

A. Interest Rates

Fixed rate loans % of GA:
- 2011-Q4: 3.94%
- 2012-Q1: 3.99%
- 2012-Q2: 4.22%
- 2012-Q3: 4.33%
- 2012-Q4: 4.10%
- 2013-Q1: 3.80%
Variable rate loans % of GA:
- 2011-Q4: 2.96%
- 2012-Q1: 2.90%
- 2012-Q2: 3.20%
- 2012-Q3: 3.32%
- 2012-Q4: 3.30%
- 2013-Q1: 3.28%
All loans % of GA:
- 2011-Q4: 3.48%
- 2012-Q1: 3.50%
- 2012-Q2: 3.78%
- 2012-Q3: 3.89%
- 2012-Q4: 3.81%
- 2013-Q1: 3.65%

B. Purpose of Loan

House purchase % of GA:
- 2011-Q4: 61.24%
- 2012-Q1: 59.34%
- 2012-Q2: 62.40%
- 2012-Q3: 66.24%
- 2012-Q4: 66.04%
- 2013-Q1: 63.37%
First time buyers % of GA:
- 2011-Q4: 16.58%
- 2012-Q1: 17.96%
- 2012-Q2: 16.46%
- 2012-Q3: 18.22%
- 2012-Q4: 19.10%
- 2013-Q1: 18.24%
Buy to let % of GA:
- 2011-Q4: 9.42%
- 2012-Q1: 9.93%
- 2012-Q2: 10.60%
- 2012-Q3: 10.41%
- 2012-Q4: 11.03%
- 2013-Q1: 12.05%
Other % of GA:
- 2011-Q4: 35.24%
- 2012-Q1: 31.45%
- 2012-Q2: 35.35%
- 2012-Q3: 37.61%
- 2012-Q4: 35.91%
- 2013-Q1: 33.07%
Further advances % of GA:
- 2011-Q4: 3.56%
- 2012-Q1: 3.67%
- 2012-Q2: 3.43%
- 2012-Q3: 3.15%
- 2012-Q4: 2.83%
- 2013-Q1: 3.51%
Remortgage % of GA:
- 2011-Q4: 32.22%
- 2012-Q1: 33.53%
- 2012-Q2: 30.87%
- 2012-Q3: 27.19%
- 2012-Q4: 27.86%
- 2013-Q1: 29.44%

3. Loan to Value (LTV) and Income Multiple

LTV < 75% % of GA:
- 2011-Q4: 67.62%
- 2012-Q1: 68.26%
- 2012-Q2: 67.28%
- 2012-Q3: 68.10%
- 2012-Q4: 66.26%
- 2013-Q1: 67.02%
LTV 75–90% % of GA:
- 2011-Q4: 30.54%
- 2012-Q1: 29.43%
- 2012-Q2: 30.32%
- 2012-Q3: 29.58%
- 2012-Q4: 31.65%
- 2013-Q1: 30.90%
LTV 90–95% % of GA:
- 2011-Q4: 1.45%
- 2012-Q1: 1.95%
- 2012-Q2: 1.76%
- 2012-Q3: 1.87%
- 2012-Q4: 1.71%
- 2013-Q1: 1.62%
LTV > 95% % of GA:
- 2011-Q4: 0.39%
- 2012-Q1: 0.37%
- 2012-Q2: 0.64%
- 2012-Q3: 0.44%
- 2012-Q4: 0.37%
- 2013-Q1: 0.46%
High Income Multiple (LTV > 90%) % of GA:
- 2011-Q4: 1.05%
- 2012-Q1: 1.31%
- 2012-Q2: 1.32%
- 2012-Q3: 1.38%
- 2012-Q4: 1.22%
- 2013-Q1: 1.27%

4. Loan Book Position

A. Loan Balances Outstanding (£m)

2011-Q4: 1,218,463
2012-Q1: 1,221,481
2012-Q2: 1,223,477
2012-Q3: 1,227,319
2012-Q4: 1,228,354
2013-Q1: 1,227,571

B. Unsecuritised & Securitised Loans

Unsecuritised (£m):
- 2011-Q4: 1,096,832
- 2012-Q1: 1,095,554
- 2012-Q2: 1,099,894
- 2012-Q3: 1,102,516
- 2012-Q4: 1,106,216
- 2013-Q1: 1,109,619
Securitised (£m):
- 2011-Q4: 121,631
- 2012-Q1: 125,927
- 2012-Q2: 123,584
- 2012-Q3: 124,803
- 2012-Q4: 122,138
- 2013-Q1: 117,952

5. Arrears & Provisions

A. Arrears Cases at End of Quarter

Number of loan accounts:
- 2011-Q4: 313,224
- 2012-Q1: 302,976
- 2012-Q2: 296,484
- 2012-Q3: 303,163
- 2012-Q4: 297,573
- 2013-Q1: 297,573
Balances outstanding (£m):
- 2011-Q4: 31,855
- 2012-Q1: 30,736
- 2012-Q2: 29,927
- 2012-Q3: 30,140
- 2012-Q4: 29,558
Balances as % of total loan balances:
- 2011-Q4: 2.61%
- 2012-Q1: 2.52%
- 2012-Q2: 2.45%
- 2012-Q3: 2.46%
- 2012-Q4: 2.41%

B. Arrears by Severity

1.5% < 2.5% in arrears:
- 2011-Q4: 0.77%
- 2012-Q1: 0.76%
- 2012-Q2: 0.76%
- 2012-Q3: 0.76%
- 2012-Q4: 0.74%
2.5% < 5% in arrears:
- 2011-Q4: 0.86%
- 2012-Q1: 0.82%
- 2012-Q2: 0.80%
- 2012-Q3: 0.80%
- 2012-Q4: 0.79%
5% < 7.5% in arrears:
- 2011-Q4: 0.36%
- 2012-Q1: 0.33%
- 2012-Q2: 0.32%
- 2012-Q3: 0.32%
- 2012-Q4: 0.31%
7.5% < 10% in arrears:
- 2011-Q4: 0.17%
- 2012-Q1: 0.16%
- 2012-Q2: 0.15%
- 2012-Q3: 0.15%
- 2012-Q4: 0.14%
- Over 10% in arrears:
- 2011-Q4: 0.26%
- 2012-Q1: 0.25%
- 2012-Q2: 0.24%
- 2012-Q3: 0.24%
- 2012-Q4: 0.24%
In possession:
- 2011-Q4: 0.18%
- 2012-Q1: 0.19%
- 2012-Q2: 0.18%
- 2012-Q3: 0.18%
- 2012-Q4: 0.16%
Total arrears %:
- 2011-Q4: 2.61%
- 2012-Q1: 2.52%
- 2012-Q2: 2.45%
- 2012-Q3: 2.46%
- 2012-Q4: 2.41%
Total (excluding 1.5% < 2.5% band):
- 2011-Q4: 1.84%
- 2012-Q1: 1.75%
- 2012-Q2: 1.69%
- 2012-Q3: 1.70%
- 2012-Q4: 1.66%

C. Possession Cases

New possessions in Qtr:
- 2011-Q4: 8,924
- 2012-Q1: 9,531
- 2012-Q2: 8,695
- 2012-Q3: 8,521
- 2012-Q4: 7,792
Possessions cases sold in Qtr:
- 2011-Q4: 9,456
- 2012-Q1: 9,549
- 2012-Q2: 9,089
- 2012-Q3: 8,687
- 2012-Q4: 9,447
Stock of possessions at end of Qtr:
- 2011-Q4: 15,457
- 2012-Q1: 15,385
- 2012-Q2: 14,953
- 2012-Q3: 14,889
- 2012-Q4: 13,321

Key Information

The number of loan accounts is higher than CML's mortgage figures due to separate reporting of regulated and non-regulated loans.
Arrears numbers are higher than CML's because the threshold is set at 1.5% of loan balances, compared to CML's 2.5%.
Possession figures are closer to CML estimates, but still somewhat higher due to separate reporting of 1st and 2nd charge loans.
The majority of new business is for house purchase and remortgage.
Fixed rate loans increased from 53.53% in 2011-Q4 to 70.69% in 2013-Q1, indicating a growing preference for fixed rates.
LTV shows a consistent distribution, with the majority of loans falling under <75%.
Overall loan book balances remained relatively stable from 2011-Q4 to 2013-Q1, with minor fluctuations.