英国政府推出Right to Buy计划助低收入人群购房
英国首相鲍里斯·约翰逊(Boris Johnson)6月11日宣布，计划将Right to Buy计划扩大到从住房协会租房的低收入人群。
在布莱克浦的讲话中，首相表示，在未来几周，他将致力于“改革，以帮助人们削减家庭支出的每一个领域的成本”。
他认为，花在住房福利上的300亿英镑，其中大部分目前作为租金支付给私人房东，应该被用于帮助人们获得买房抵押贷款，并支付自己的住房抵押贷款。
什么是“Right to Buy”计划？
“Right to Buy”是一项政府计划，允许英国的租户以折扣价在英国购入其租赁的房屋。到目前为止，这仅限于当地政府住房的租户。
该计划在苏格兰和威尔士已经被废除，但在北爱尔兰仍然有效。在英国各地，地方政府房客可以获得的最高折扣为8.72万英镑，然而，在伦敦的各个行政区，整体折扣率更高，为11.62万英镑。
租户必须在其廉租房居住三至五年，才有资格享受35%的折扣买房。在此之后的每一年，可获得额外1%的折扣，使整体折扣达到70%。
40年前，时任英国首相的玛格丽特•撒切尔通过《1980年住房法案》实施了这一制度。
今天对“购房权”的修改将使该计划向低收入租户开放，这些租户享受住房福利，并从住房协会租用住房。存款超过1.6万英镑的人没有资格享受该买房置业福利。
住房协会是向250万获得住房支持的人出租住房的非营利机构。在今天延长购房权之前，已经有一个计划让人们从住房协会购买他们的房子，但折扣限制在市场价值的1.6万英镑。
去年发布的一份关于“购房权”(Right to Buy)试点项目的报告发现，英国涉及的44个住房协会没有计划用同等数量的新房产取代已售出的1892套住房。该试点项目从2018年8月开始在英国中部地区开展。
政府的报告发现，“早期迹象表明，替换后的房屋平均面积将小于被替换的房屋。”
“庇护所”的首席执行官波莉·奈特说:“首相的住房计划令人困惑，不可行，是一个危险的噱头。草率地制定扩大'购买权'的计划，将使我们迅速萎缩的社会住房供应面临更大的风险。“
“几十年来，取代每一个通过Right to Buy出售的社会住房的承诺都失败了。如果这些计划取得进展，我们将继续陷入同样的破坏性循环，即出售和拆除比每年新建的社会住房多出数千套。”
英国学生贷款利率将从12%降至7.3%
由于全球经济压力，RPI利率上升，这意味着申请学生贷款的毕业生们在9月份将面临高达12%的利率。政府已经决定干预，并将利率上限控制在7.3%，以保护毕业生。
政府将利用一切机会保护公众免受生活成本上升和全球经济压力的影响。利率通常在8月份确定，但政府根据预测利率采取了前所未有的措施，提前做出决定，为计划2(本科)和计划3(研究生)的学生贷款借款人提供保证。
这是有史以来学生贷款利率下降幅度最大的一次，这意味着，一个学生贷款余额为4.5万英镑的借款人每月将减少约180英镑的累计利息。 每月的学生贷款还款是根据收入而不是利率或贷款金额来计算的。与商业贷款不同，任何收入低于相关还款门槛的借款人都将停止还款。
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