Euroopan keskuspakkihan ne korot määrittää suomen pankit omat marginaalinsa, ei ne täällä periferiassa voi niitä mielin määrin nostaa.

Kaikella on tarkoitus ja yritysten tarkoitus on haalia rahaa. Tarkoitushakuinen uutisointi osana markkinointia ei varmasti ole pankeille vieras ajatus.

The International Monetary Fund's annual report on the UK economy has warned of threats to the recovery from soaring house prices and risky mortgages.

The report - outlined at a news conference by the fund's managing director Christine Lagarde - touched on the potential for a housing bubble and recommended the Bank of England clamp down on high-debt mortgages in a "targeted and timely" manner.

The findings were seen as piling pressure on Bank governor Mark Carney ahead of its latest report on financial stability due later this month while Sky's Economics Editor Ed Conway said the warnings flagged a big risk to the Chancellor George Osborne's legacy.

The IMF said: "House price inflation is particularly high in London, and is becoming more widespread.

Christine Lagarde
Christine Lagarde is broadly supportive of UK economic strategy

"So far, there are few of the typical signs of a credit-led bubble. Nonetheless, a steady increase in the size of new mortgages compared with borrower incomes suggests that households are gradually becoming more vulnerable to income and interest rate shocks.

"Limits on the proportion of high Loan-To-Income (LTI) mortgages any lender can issue would help to contain directly the currently most pressing risks to financial stability".

The report also suggested the controversial Help to Buy schemes, offering mortgage guarantees and loans for those struggling to find a deposit, may need to be cancelled early.

In his reply to the findings, Mr Osborne said the Bank of England's Financial Policy Committee had the tools it needed to tackle risks.

The IMF's economic health check also provided a boost to the Chancellor, as it abandoned criticism of his austerity measures and said his plans to strengthen public finances would not "put an undue drag on growth".

"The economy has rebounded strongly and growth is becoming more balanced. Growth has accelerated since the second half of 2013, and leading indicators suggest that the recovery has momentum", the report stated.

Ms Lagarde told reporters at the Treasury briefing that the news coming out of the UK recently had been "pretty much all good".

But she added: "We have recommended that some macro-prudential measures be considered by the UK authorities and that this be done with a view to addressing not so much house prices but financial risk.

"We also believe it should be done in a gradual, flexible way because the authorities need to assess whether those measures work, how they work.

"Clearly it is something that needs to be watched and depending on circumstances, on pricing levels, those macro-prudential measures should be further activated if necessary."

Toisininsanoen talot ja kiinteistöt myydään ainakin Isossa-Britaniassa aivan heti.

Tulevasta 10-20% omarahoitusosuudesta asuntolainoille on kanssa puhuttu jo vuosikausia - "kohta se tulee". Olisiko tälläkin tarkoituksena saada empivät ihmiset pikapikaa lainanhakuun ennenkuin on liian myöhäistä? Nykyisillä vuokrahinnoilla voi olla aika hiljaista monella ensiasunnon ostajalla säästää edes se 10% tulevan asunnon hinnasta vuokranmaksun ja muun elämisen ohessa.

Näitä ensiasunnon ostavia nuoria pareja kun seuraa niin ensin ostetaan kaikki lelut velaksi ja sen jälkeen ihmetellään kun ei jää mitään säästöön.



Jotain noita brittien rakennus-ja remontointi ohjelmia kun seuraa niin meneehän kaikki kaupaksi kun uusien rakentaminen on tehty lähes mahdottomaksi, jos kaavotuksella on tehty että ainoa keino saada tontti on ostaa purkuröttelö tontteineen tolkuttomaan ylihintaan.