2017年-FCA英国金融行为监管局_mlar_statistics_jun_2015_summary_6页_142kb

报告摘要

MLAR Statistics: June 2015 Edition Summary

Core Content

The document provides detailed statistics on residential loans to individuals in the UK for the period 2013 to Q1 2015, focusing on new business volumes, loan characteristics, arrears, and possession cases. These statistics are not seasonally adjusted and are reported for both regulated and non-regulated loans.

Main Tables and Descriptions

Table (1): New Business Volumes

Sub Table A: New business volumes for residential loans to individuals.
- Gross Advances (in £ millions):
  - 2013 Q4: 51,473
  - 2014 Q1: 47,074
  - 2014 Q2: 51,493
  - 2014 Q3: 55,882
  - 2014 Q4: 51,346
  - 2015 Q1: 50,316
- Net Advances (in £ millions):
  - 2013 Q4: 8,997
  - 2014 Q1: 7,002
  - 2014 Q2: 8,908
  - 2014 Q3: 11,034
  - 2014 Q4: 8,071
- New Commitments (in £ millions):
  - 2013 Q4: 50,316
  - 2014 Q1: 48,883
  - 2014 Q2: 53,449
  - 2014 Q3: 53,614
  - 2014 Q4: 46,279
Sub Table B: New business characteristics, including interest rates and purpose of loan.
- Fixed rate loans:
  - Percentage of business: increased from 80.26% (2013 Q4) to 82.55% (2014 Q3), then slightly decreased to 82.20% (2015 Q1).
  - Weighted average interest rate: increased from 3.30% to 3.43%, then slightly decreased to 3.37%.
- Variable rate loans:
  - Percentage of business: decreased from 2.99% to 2.74%.
  - Weighted average interest rate: decreased from 2.93% to 2.74%.
- All loans:
  - Weighted average interest rate: slightly decreased from 3.25% to 3.26%.
- Purpose of loan:
  - House purchase: fluctuated between 66.07% and 71.77%.
  - Remortgage: increased from 26.48% to 29.85%.
  - Other: decreased from 4.83% to 4.81%.

Table (2): Loan Characteristics – First Time Buyers

Sub Table C: Loan balances outstanding at the end of the period for first time buyers.
- Unsecuritised loans (in £ millions):
  - 2013 Q4: 1,131,903
  - 2014 Q1: 1,141,657
  - 2014 Q2: 1,149,465
  - 2014 Q3: 1,161,560
  - 2014 Q4: 1,168,502
  - 2015 Q1: 1,176,792
- Securitised loans (in £ millions):
  - 2013 Q4: 106,436
  - 2014 Q1: 101,317
  - 2014 Q2: 99,825
  - 2014 Q3: 94,050
  - 2014 Q4: 91,083
  - 2015 Q1: 84,317
- Total residential loans to individuals (in £ millions):
  - 2013 Q4: 1,238,339
  - 2014 Q1: 1,242,974
  - 2014 Q2: 1,249,290
  - 2014 Q3: 1,255,610
  - 2014 Q4: 1,259,585
  - 2015 Q1: 1,261,109

Table (3): Arrears & Provisions

Sub Table D: Arrears and possession cases at the end of the quarter.
- Arrears cases:
  - Number of loan accounts (in units):
    - 2013 Q4: 264,831
    - 2014 Q1: 255,554
    - 2014 Q2: 240,487
    - 2014 Q3: 230,219
    - 2014 Q4: 219,884
    - 2015 Q1: 204,910
  - Balances outstanding (in £ millions):
    - 2013 Q4: 25,966
    - 2014 Q1: 24,815
    - 2014 Q2: 23,233
    - 2014 Q3: 21,732
    - 2014 Q4: 20,491
  - Percentage of total loan balances:
    - 2013 Q4: 2.10%
    - 2014 Q1: 2.00%
    - 2014 Q2: 1.86%
    - 2014 Q3: 1.73%
    - 2014 Q4: 1.63%
- Arrears by severity:
  - 1.5% < 2.5% in arrears: decreased from 0.65% to 0.51%.
  - 2.5% < 5% in arrears: decreased from 0.69% to 0.53%.
  - 5% < 7.5% in arrears: decreased from 0.28% to 0.20%.
  - 7.5% < 10% in arrears: decreased from 0.14% to 0.10%.
  - Over 10% in arrears: decreased from 0.23% to 0.19%.
  - First time buyers in arrears: decreased from 0.11% to 0.09%.
  - Total arrears: decreased from 1.90% to 1.62%.
- Possession cases:
  - New possessions in quarter (in units):
    - 2013 Q4: 6,137
    - 2014 Q1: 6,687
    - 2014 Q2: 5,728
    - 2014 Q3: 5,161
    - 2014 Q4: 4,166
  - Possessions sold in quarter (in units):
    - 2013 Q4: 7,626
    - 2014 Q1: 6,650
    - 2014 Q2: 6,183
    - 2014 Q3: 5,816
    - 2014 Q4: 5,599
  - Stock of possession at end of quarter (in units):
    - 2013 Q4: 9,962
    - 2014 Q1: 10,177
    - 2014 Q2: 9,733
    - 2014 Q3: 9,080
    - 2014 Q4: 7,801

Key Information and Notes

Loan accounts in arrears:
- The number of loan accounts in arrears does not reflect the number of borrowers, but rather individual accounts where arrears exceed 1.5% of the loan balance.
- The arrears threshold is 1.5% or more, which is broader than the CML's standard of 1.5% of the monthly payment.
Possession cases:
- The number of possession cases does not reflect the number of borrowers, but rather individual loan accounts that have reached possession.
- These cases include both 1st charge and 2nd charge loans, but not all lenders report possession for both loans if they are separate.
Loan book position:
- Total number of loan accounts: decreased from 13,957,522 (2013 Q4) to 13,532,878 (2015 Q1).
- Total balance outstanding: increased from 1,238,340 (2013 Q4) to 1,259,585 (2015 Q1).
Loan to Value (LTV):
- LTV under 75%: increased from 64.60% to 67.59%.
- LTV between 75% and 90%: decreased from 33.25% to 29.11%.
- LTV between 90% and 95%: decreased from 1.73% to 2.88%.
- LTV over 95%: decreased from 0.42% to 0.21%.
Income Multiple:
- Refers to single applicants with a multiple of 3.50x or more, and joint applicants with 2.75x or more.
- Data is not directly provided for income multiple in the tables.
Reporting Basis:
- The number of loan accounts and arrears are reported separately for regulated and non-regulated loans, which affects comparability with CML data.
- The document emphasizes that the MLAR figures are materially higher than those from CML due to the separate treatment of 2nd charge loans and further advances.

Conclusion

The MLAR statistics for June 2015 show a slight decline in arrears and possessions over the period, with increasing proportions of fixed rate loans. The loan book continues to grow in total balance, but the number of loan accounts has decreased. The reporting basis differs from CML, particularly in how regulated and non-regulated loans are treated, leading to higher figures for loan accounts and arrears. The data is not seasonally adjusted, and the threshold for arrears is broader than standard industry measures.

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