Help to Buy Equity Loan Scheme, by district (Total Equity Loans & Equity Loans First Time Buyers)

This data set contains Help to Buy: Equity Loan statistics at local authority level and includes total equity loans and equity loans to first time buyers . For data released from 5 March 2015 onwards, the Homes and Community Agency (HCA) have revised the completion date for the entire Help to Buy Equity Loan time series. The HCA have stopped counting payment date (when the money out is paid out by the HCA) and now report on the expected actual completion date. It is more accurate and is closer to the live situation, especially when HCA now recognise an asset based on a completion, rather than exchange and approved claim. As a result (and due to reinstating accounts) HCA have seen movement of actual completions dates. There should not be this level of difference moving forward, it was a one off activity. The figures cover the launch of the scheme on 1 April 2013 until 30 September 2016.

Information on the allocation of completed sales to postcode sectors is derived using the latest available information on the full postcode for each scheme, which may be subject to revision.

For sales before 31 March 2014, properties are included under the local authority district to which they were initially allocated. In some cases, this differs from latest information, which forms the basis of the first column of local authority district figures. Figures for some local authorities may be subject to revisions later in the year.

Although local authority information is validated against other geographic data at the time of data entry, detailed reconciliation of the data, conducted twice a year, may result in a small number of changes to these monthly releases, for example where a new development crosses a local authority boundary.

An equity loan is Government financial assistance given to eligible applicants to purchase an eligible home through a Government equity mortgage
secured on the home. The Government equity mortgage is ranked second in priority behind an owner’s main mortgage lender.

This scheme offers up to 20 per cent of the value as Government assistance to purchasers buying a new build home. The buyer must provide a cash deposit of
at least 5 per cent and a main mortgage lender must provide a loan of at least 75 per cent.

The Government assistance to buy is made through an
equity loan made by the Homes and Communities Agency (HCA) to the purchaser.

Help to Buy equity loans are only available on new build homes and the maximum purchase price is £600,000. Equity loan assistance for purchasers is paid via house builders registered with the HCA to participate in the Help to Buy equity loan initiative. The payment is made to builders (via solicitors) at purchaser legal completion.

The equity loan is provided without fees for the first five years of ownership.

The property title is held by the home owner who can therefore sell their home at any time and upon sale should provide the government the value of the same equity share of the property when it is sold.

For further information see
[Help to Buy (equity loan) scheme monthly statistics](https://www.gov.uk/government/statistical-data-sets/help-to-buy-equity-loan-scheme-monthly-statistics).

本数据集收录了地方当局层面的“购房援助计划：股权贷款”统计数据，包括总股权贷款及首次购房者的股权贷款。自2015年3月5日起发布的数据，住房与社区署（HCA）对整个“购房援助计划：股权贷款”时间序列的完工日期进行了修订。HCA已停止计算支付日期（当HCA支付资金时），并现在报告预期的实际完工日期。这一数据更为精确，更贴近实际情况，尤其是当HCA基于完工而非交换和批准的索赔来认定资产时。因此（以及由于账户的恢复），HCA观察到了实际完工日期的变化。未来不应出现此类差异，这是一次性的活动。数据涵盖了自2013年4月1日该计划启动至2016年9月30日的所有数据。

通过利用每个方案完整邮编的最新可用信息，得出已完成销售分配至邮政编码区段的信息，这些信息可能受到修订。对于2014年3月31日之前的销售，物业被纳入最初分配给的地方当局辖区。在某些情况下，这可能与最新信息不同，而最新信息构成了地方当局辖区第一列数据的基础。某些地方当局的数据可能在当年晚些时候进行修订。

尽管在数据录入时已将地方当局信息与其它地理数据进行了验证，但每年两次进行的详细核对可能导致这些月度发布中的一些数据发生微小变化，例如，当新的开发项目跨越地方当局边界时。

股权贷款是政府为符合条件的申请人提供的财务援助，通过在房屋上设定的政府股权抵押贷款购买合格房屋。政府股权抵押贷款的优先级排在业主的主要抵押贷款人之后。

本方案为购买新建房屋的购房者提供高达20%的政府援助。购房者必须提供至少5%的现金首付款，主要抵押贷款人必须提供至少75%的贷款。

政府援助通过住房与社区署（HCA）向购房者提供的股权贷款来实现。

购房援助计划的股权贷款仅适用于新建房屋，最高购买价格为60万英镑。股权贷款援助通过在HCA注册参与购房援助计划股权贷款倡议的房屋建造商支付给购房者。付款在购房者法律完成时（通过律师）支付给建造商。

股权贷款在所有权的前五年内无需支付费用。

房屋所有权归业主所有，因此业主可以随时出售房屋。在出售时，应向政府提供出售时相同股权份额的财产价值。

欲了解更多信息，请参阅[购房援助（股权贷款）方案月度统计数据](https://www.gov.uk/government/statistical-data-sets/help-to-buy-equity-loan-scheme-monthly-statistics)。