5% Sample Survey of Building Society Mortgages, 1982

<P>Abstract copyright UK Data Service and data collection copyright owner.</P>The 5% Sample Survey of Building Society Mortgage Completions (BSM) has been in existence since 1965. The Archive holds data from 1974.<br>
Monthly returns, giving detailed information on a nominal 5% sample of all mortgage completions, have been submitted on a voluntary basis by most building societies to the Department of Environment who process the data on a quarterly basis.<br>
The survey results have served as the offical source of statistics on the owner-occupied housing market, providing a wealth of information on mortgage advances, dwelling prices and the characteristics of borrowers and properties.<br>
An increased share of the mortgage market being accounted for by other lenders and a widening range of mortgage products during the 1980s have necessitated change, leading to the BSM being succeeded by the Survey of Mortgage Lenders (SML) in 1992 (see GN: 33254).<br>
An important consideration for users of the data is that the SML figures allow continuity with the BSM survey results to be maintained for a reasonable period.<br><B>Main Topics</B>:<BR> Building Society code, date mortgage completed, whether dwelling is wholly or partly occupied by borrower. Mortgage amount, whether solely for purchase of property, period of mortgage, gross rate of interest, repayment method. Purchase price and whether discounted in any way. Location of dwelling, whether new, age of dwelling, type, number of habitable rooms, whether garage, rateable value. Number and sex of borrowers, age of main borrower, basic income, other income, total income, whether applicant previously owner occupier, previous tenure, whether main borrower nominated by LA under support lending scheme.

<p>本摘要版权归英国数据服务中心（UK Data Service）及数据采集版权所有者所有。</p>房屋建筑协会抵押贷款完成情况5%抽样调查（5% Sample Survey of Building Society Mortgage Completions，缩写BSM）自1965年起启动，其存档数据集可追溯至1974年。<br>绝大多数房屋建筑协会以自愿原则向英国环境部提交月度申报材料，申报内容覆盖全部抵押贷款完成案例的名义5%抽样样本的详细信息，英国环境部则按季度对数据进行整合处理。<br>该调查成果长期作为自住型住房市场官方统计数据的核心来源，可为抵押贷款发放规模、住宅成交价格以及借款人与抵押房产的特征等维度提供丰富详实的信息。<br>20世纪80年代，其他放贷机构在抵押贷款市场的占比持续提升，同时抵押贷款产品种类日益丰富，上述变化推动原有调查体系迎来革新，《抵押贷款放贷机构调查》（Survey of Mortgage Lenders，缩写SML）于1992年取代BSM（详见编号GN: 33254）。<br>对于该数据集的使用者而言，需注意SML的统计数据可在合理周期内与BSM的调查结果保持连续性。<br><b>核心调研主题</b>：<br>房屋建筑协会代码、抵押贷款完成日期、住宅是否由借款人全额或部分自住。抵押贷款金额、是否仅用于房产购置、抵押贷款期限、名义利率、还款方式。房产购置价格及是否存在任何形式的折扣。住宅区位、是否为新建住宅、住宅房龄、住宅类型、可居住房间数、是否配备车库、应评税价值。借款人数量与性别、主借款人年龄、基本收入、其他收入、总收入、申请人此前是否为自住业主、此前的住房保有形式、主借款人是否由地方政府（Local Authority，缩写LA）根据支持放贷计划提名。