Il calo dei prezzi delle case osservato in agosto in mezzo alle speculazioni sulla prossima tassa sulla proprietà nel bilancio potrebbe causare un ulteriore calo dei prezzi
Nel panorama in continua evoluzione del mercato immobiliare britannico, agosto ha registrato un lieve calo dei prezzi delle case, con il valore medio delle proprietà che scende del 0.1% a £271,079. Questo segue il picco dei prezzi delle case di agosto 2022 di £273,751.
despite this minor decrease, household affordability remains stretched, according to Nationwide's chief economist, Robert Gardner. The annual rate of house price growth fell to 2.1% in August, down from 2.4% in July. Moreover, house prices are still unaffordable, being 5.8 times the average annual salary, compared to the long-run average of 4.8 times.
Mortgage costs remain a significant challenge, particularly for first-time buyers. The average earner buying the typical first-time buyer property with a 20% deposit faces a monthly mortgage payment equivalent to around 35% of their take-home pay, above the long-run average of 30%.
Rumours suggest potential changes to stamp duty, council tax, and capital gains tax in the Autumn Budget. Chancellor Rachel Reeves is expected to propose changes to the Goods and Services Tax Act and the Council Tax Act, focusing on adjusting tax rates and improving compliance measures.
One of the proposed changes is a shift in the rules to make capital gains tax payable on the sale of homes worth more than £1.5 million. This could potentially affect around 120,000 homeowners who are higher-rate taxpayers, with potential capital gains tax bills of £199,973.
Tom Bill, head of UK residential research at Knight Frank, expects further house price falls due to property tax speculation. However, if people's incomes continue to rise and house prices remain flat, houses may become more affordable.
Another speculated change is a new system that could see a stamp duty bill replaced with an annual tax for homes above £500,000. Some homeowners may face a levy if they sell their home and make a profit under this new system.
Further decreases in interest rates could help reduce mortgage rates and support buyer demand. However, with house prices still high compared to household incomes, raising a deposit remains challenging for prospective buyers.
Rachel Reeves is also rumored to be considering plans to scrap stamp duty and council tax in favor of a new system. The details of this new system are yet to be revealed, but it could potentially bring significant changes to the UK housing market.
As these changes are proposed and discussed, it is essential to keep a close eye on the developments to understand how they might impact the housing market and homeowners across the UK.
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