Posts Tagged ‘way’


Government cutbacks result in more debt

Monday, August 29th, 2011

A recent report has indicated that many people are being forced into so much debt as a result of the government cutbacks that they are being steered towards getting money from legal loan sharks, putting them in an even worse financial situation that it even more likely to spiral out of control. The left wing pressure group Compass has released the report, claiming that the widespread cutbacks have had a profound negative effect on the financial situations of many people.

The report claims that many people are now being forced to turn to legal loan sharks in order to get the money that they need to keep their heads above water financially, which means that they are getting deeper and deeper into debt and financial trouble. The group carried out interviews with over 250 social housing tenants in the West Midlands and 28 percent said that they now found that their debt levels were unmanageable.

Of those that were polled the average income was less than £8000 per annum yet the average amount of debt that was being paid out was £1200, which meant that around a quarter of income was being eaten up by debt. With many of these households on such a low income anyway this impact of paying out a quarter on debt is financially crippling, particularly given the soaring cost of living.

One official involved in the research said: “What makes this particularly alarming is that the Government is banking on personal debt increasing as a way to reduce the deficit but 28 per cent of those we surveyed are finding debts increasingly unmanageable. The Government’s economic plan could be driving borrowers into the arms of legal loan sharks which is a particularly unpleasant experience.”

Tags: way, group, polled, cost, order, impact, control

Low mortgage approvals could lead to falling property prices

Wednesday, December 1st, 2010

Industry experts have said that property prices in the UK could be set to fall again amidst low mortgage approvals. The news comes after figures were released showing that October saw the lowest level of mortgage loan approvals since February. The figures were released by the Bank of England, and showed that mortgage approvals had fallen for the sixth month in a row.

During the month the total number of mortgage approvals came to 47,185. In a consistent market the expected level of mortgage approvals for the month would be around 70,000. Industry experts have said that the mortgage market is still ’severely depressed’. They have also warned that property prices do not show any signs of improvement.

One economist said that six months of mortgage approval falls reflected the severe difficulties that the mortgage market was still experiencing, and added that things were unlikely to change for the better over the course of next year. Banks are becoming increasingly strict with regards to mortgage lending in light of fears relating to job losses stemming from public sector cuts.

Further reports have shown that those with smaller deposits are likely to continue facing much higher rates of interest on mortgages even though there are now more mortgage products available that there were when the country was in the midst of the recession.

One economist said: “The sixth consecutive monthly fall in mortgage approvals for house purchase underlines the message that the mortgage market is severely depressed. We expect it to remain that way throughout 2011. The troubles in the mortgage market are still with us. With little chance of a meaningful recovery in mortgage approvals for the foreseeable future, we expect that credit conditions will continue to weigh on house prices for some time to come.”

Tags: mortgage, Public sector, way, time, light, number, credit

Get Adobe Flash playerPlugin by wpburn.com wordpress themes