Help to Buy Equity Loan Scheme -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.

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/statistics/help-to-buy-equity-loan-scheme-and-help-to-buy-newbuy-statistics-april-2013-to-30-june-2017).

本数据集涵盖了地方政府层面的“购房协助：股权贷款”统计数据，包括总计的股权贷款及首次购房者所获得的股权贷款。自2015年3月5日起发布的数据，住房与社区署（HCA）对整个“购房协助股权贷款”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支付出资金时），而现在报告的是预期的实际完工日期。这一修订更为精确，更接近实际情况，尤其是在HCA现在基于完工而非交换和批准的索赔来认定资产的情况下。因此（以及由于账户的恢复），HCA见证了实际完工日期的变化。未来不应出现这种程度的不同，这是一次性的活动。

完成销售分配至邮政编码区段的信息是通过获取每个方案完整邮政编码的最新可用信息得出的，这些信息可能受到修订。对于2014年3月31日之前的销售，房产将被包括在最初分配给的地方政府区域内。在某些情况下，这与最新信息不同，这构成了地方政府区域数据第一列的基础。某些地方政府的数字可能在未来一年内进行修订。

尽管地方政府信息在数据录入时与其它地理数据进行验证，但每年进行的详细核对可能导致这些月度发布中少数几项的变化，例如新开发项目跨越地方政府边界的情况。

股权贷款是政府向符合条件申请人提供的财政援助，用于通过政府股权抵押贷款购买符合条件的房产。政府股权抵押贷款的优先级排在所有者主要抵押贷款提供者之后。

本方案向购房者提供高达房产价值20%的政府援助，购买新建住宅。购房者必须提供至少5%的现金首付款，且主要抵押贷款提供者必须提供至少75%的贷款。

政府购买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。

购房协助股权贷款仅适用于新建住宅，最高购买价格为60万英镑。股权贷款援助通过在HCA注册参与购房协助股权贷款计划的建筑商支付给购房者。款项在购房者法律完成时支付给建筑商（通过律师）。

股权贷款在房屋所有权的前五年内免收费用。

房产所有权归 homeowners 持有，因此他们可以在任何时候出售房产，并在出售时应向政府提供房产相同股权份额的价值。

更多信息请参阅
[购房协助（股权贷款）方案月度统计数据](https://www.gov.uk/government/statistics/help-to-buy-equity-loan-scheme-and-help-to-buy-newbuy-statistics-april-2013-to-30-june-2017)。