英國央行 (BoE) 已要求新的權力來限制英國貸款收入和貸款價值比率，所以，英國房市蕭條是可以預防的。
英國央行已經可以推薦多少銀行應允許購房者借錢，基於收入和財產的價值，但沒有法律的權力，以執行這些建議。
財政大臣喬治 · 奧斯本提供英國央行新的權力在 6 月份停止住房市場過熱 ；然而世界銀行沒有考慮他們當時因"政治敏感性"。但央行金融政策委員會 （FPC） 最近成立新的規管權力管控細節。
FPC 希望政府授予它的權力來限制貸款價值比率，這樣銀行可以貸款給購房者相對於該屬性的值的最高限量。同樣，FPC 希望能迫使銀行限制向高債務水準與收入有關的借款人的貸款。
英國央行已考慮到急劇上漲的房價,希望能控制英國住房部份市場估值過高的房價。
由財政部批准後，議會將審議政府的建議。教委會的新權力都是有可能在下次英國大選，其中將于 2015 年 5 月 7 日舉行之前獲得的。
住房價格繼續上漲在英國。平均英國房價上漲了 11.7%-7 年月，根據國家統計辦公室的資料而倫敦價格上漲 19.1%了。
是危險的信號是第一次購房者正在出更大的抵押貸款。新購房者借用，平均來看今年 7 月約為84%，從今年 6 月從80%開始上揚，根據抵押貸款協會。
The Bank of England (BoE) has asked for new powers to limit UK loan-to-income and loan-to-value ratios, so that a UK housing bust can be prevented.
The BoE can already recommend how much banks should allow homebuyers to borrow, based on income and property value, but has no legal powers to enforce these recommendations. Chancellor George Osborne offered the BoE new powers in June to stop the housing market over-heating; however the Bank didn’t consider them at that time because of their “political sensitivity”. But the BoE’s Financial Policy Committee (FPC) recently set out details of the new regulatory powers it wants.
The FPC wants the government to grant it powers to limit loan-to-value ratios, so that the bank can cap the amount of loans to home buyers relative to the property’s value. Similarly, the FPC wants to be able to force banks to limit loans extended to borrowers with high debt levels in relation to income.
The BoE has taken into account steeply rising housing prices while making the request for new powers, and these new “powers of direction” would empower it to act quickly in the face of what is beginning to seem like a crisis of overvaluation in parts of the UK housing market.
Parliament will scrutinize the proposals after approval by the Treasury. The BoE's new powers are likely to be granted before the next UK general election, which will take place on 7 May 2015.
Housing prices continue to rise in the UK. Average UK house prices rose 11.7% year-on-year in July, according to the Office for National Statistics, while London prices were up 19.1%.
A danger sign is that first-time buyers are taking out bigger mortgages. New home buyers borrowed, on average, 84% of the value of the property in July, up from 80% in June, according to the Council of Mortgage Lenders.
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