Help to Buy Equity Loan Scheme, by parliamentary constituency.

This data set contains Help to Buy: Equity Loan statistics at parliamentary constituency level.

The figures cover the launch of the scheme on 1 April 2013 until 31
October 2014.

Figures have been attributed to an individual constituency by reconciling data against the ONS Postcode Directory (May 2014) where possible. Figures for some constituencies may be subject to revision later in the year.

. 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).

本数据集收录了议会选区层面的‘购房援助计划：股权贷款’统计数据。数据涵盖自2013年4月1日至2014年10月31日的方案启动至今。数据统计通过尽可能与ONS邮编目录（2014年5月版）进行核对，将数据归因于个体选区。部分选区的数据可能在未来一年内进行修订。对于2014年3月31日前的销售数据，房屋归入最初分配的当地政府管辖区。在某些情况下，这可能与最新信息存在差异，而最新信息构成了当地政府管辖区第一列数据的基础。部分地方政府的统计数据可能在未来一年内进行修订。尽管在数据录入时，地方政府的详细信息已与其他地理数据进行验证，但每年两次进行的详细核对可能导致这些月度发布的数据出现少量变动，例如新开发项目跨越地方政权边界的情况。股权贷款是指政府向符合条件申请人提供的财务援助，以通过政府股权抵押贷款购买符合资格的住宅。政府股权抵押贷款的优先级位列业主主要抵押贷款人之后。本方案为购买新建住宅的购房者提供高达房屋价值20%的政府援助。购房者须提供至少5%的现金存款，且主要抵押贷款人须提供至少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实现。购房援助股权贷款仅适用于新建住宅，最高购买价格为60万英镑。购房者的股权贷款援助通过已注册于HCA参与购房援助股权贷款计划的开发商支付，支付在购房者法律完成时进行。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其房屋，并在出售房屋时，应向政府提供出售时相同股权份额的价值。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)。