商业报道:First Direct取消对新客户发放抵押贷款

The Great Mortgage Disappearing Act

First Direct, which was the most competitive lender on the market, has stopped offering mortgages to new customers. As Sky's Business Correspondent Joel Hills reports, it is not the only lender pulling mortgage deals.

It's the great mortgage disappearing act and it's happening online and on the high street. First Direct is not the first,but it's the most high-profile lender to close itself to new business all together.The bank which is owned by HSBC says the move is temporary,it's not had any trouble,it's simply been swamped by mortgage applications.

It's little wonder there is a mortgage rush on these cheap deals that're becoming harder to find.Last summer,we had the luxury of 15,500 mortgages to choose from, one credit crunch¹ later,and today there are less than one third of that number.In the last week alone,906 mortgages have been pulled by lenders,as are rated just under 200 deals everyday.

This one is from Chuck Riocosta,who rates up yesterday. A court, again, same thing yesterday.

Glen Morris is a mortgage broker,he tells me he's getting daily e-mails from lenders, hiking rates and withdrawing products.After years of plenty, they've suddently become picky.

I believe there's only 100% product left,and we are expecting news of that to go anytime now,even a 95% loan-to-value mortgage now is tough to find.So people without a deposit are gonna find it very difficult in this market,also people with credit problems.

The frustration² for first-time buyers like Lian Jacab is that house prices are falling at a time when mortgages are getting more expensive,the trainee³ accountant still finds herself priced out."Plans for the future ,carry on saving, stay at home with Mom and Dad for a little bit longer."

And tonight, another lender is pulling yet another cheap deal. The Cooperative has suspended its two-year mortgages due to excessive demand-- a sign that this vanishing act is beginning to unsettle borrowers.

Joel Hills,Sky News

市场上最有竞争力的贷款银行First Direct停止对新客户提供抵押贷款。而且这不是唯一一个停止抵押贷款交易的机构。Sky商务新闻记者Joel Hills报道。

这是一起最大的抵押贷款消失行动，网上银行和营业厅个全部停止。 First Direct并不是第一家这样做的机构，但是这是停止对新客户的业务的最引人注目的机构。这家由汇丰银行控股的银行表示，该举动只是暂时的，银行本身没有任何问题，只是被大量抵押贷款申请淹没了。

这种低利率的交易越来越少，引发抵押贷款热潮。去年夏天，我们有15，000多种抵押贷款可以选择。经历了一次信贷危机之后，数目下降到不到三分之一。仅仅上周，906项抵押贷款被贷方抽回，每天只有不到200笔交易。

以下是 Chuck Riocosta的说法。

Glen Morris是一个贷款经纪人，他告诉我他每天都受到贷方的邮件，要求提高利率或者收回贷款项目。在经历了几年的贷款充足之后，他们突然开始挑剔。现在那些低利率的贷款已经很难找到。最那些没有存款的人来说，现在的时期非常困难，那些存在信用问题的人也一样。

像Lian Jacab这样第一次买房的人的沮丧在于，房价在下跌，而贷款利率在上涨，这位培训师发现自己亏了。“今后计划多存款，多在家陪陪父母。”

今晚，另外一家贷款提供者也取消了低利率贷款。由于需求过量，该公司停止了两年期的贷款——这传达出一个信号，逐渐取消的低利率贷款开始使借款者感到不安。

1 crunch   

n.关键时刻；艰难局面；v.发出碎裂声

参考例句：

• If it comes to the crunch they'll support us.关键时刻他们是会支持我们的。
• People who crunch nuts at the movies can be very annoying.看电影时嘎吱作声地嚼干果的人会使人十分讨厌。

2 frustration   

n.挫折，失败，失效，落空

参考例句：

• He had to fight back tears of frustration.他不得不强忍住失意的泪水。
• He beat his hands on the steering wheel in frustration.他沮丧地用手打了几下方向盘。

3 trainee   

n.受训练者

参考例句：

• The trainee checked out all right on his first flight.受训者第一次飞行完全合格。
• Few of the trainee footballers make it to the top.足球受训人员中没有几个能达到顶级水平。