Burnham announces scheme to help first-time buyers onto housing ladder
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The prime minister announced the scheme on the eve of the Labour Party conference in Liverpool Prime Minister Andy Burnham is to introduce a new scheme to try to help young people get on the property ladder.
首相在利物浦工党会议前夕宣布了该计划 安迪·伯纳姆总理将推出一项新计划，试图帮助年轻人登上房产阶梯。
The "Your First Home" scheme would be open to first-time buyers in England with a deposit of 2.5%.
“你的第一套房子”计划将向英格兰的首次购房者开放，首付为 2.5%。
It would provide them with a loan worth 20% of their new build property's value to help pay for the purchase. Burnham said people who do not have support from the "bank of mum and dad" are among those the scheme would aim to help.
它将向他们提供相当于新建房产价值 20% 的贷款，以帮助支付购买费用。 伯纳姆表示，该计划旨在帮助那些没有得到“父母银行”支持的人。
There would be an initial interest-free period for the equity loan, with more details expected in next month's Budget.
股权贷款将有一个初始免息期，更多细节预计将在下个月的预算中公布。
The Conservatives warned the policy would leave first-time buyers taking on more debt and risks "pushing up the price of new homes".
保守党警告称，该政策将使首次购房者承担更多债务，并带来“推高新房价格”的风险。
Burnham said: "Too many young people are struggling with the cost of housing, with many giving up hope of ever having a home to call their own.
伯纳姆说：“太多的年轻人正在为住房成本而苦苦挣扎，许多人放弃了拥有自己的家的希望。
"So we will step in to help more first-time buyers onto the housing ladder."
“因此，我们将介入，帮助更多首次购房者登上住房阶梯。”
The PM added he believes the scheme will give builders the "confidence to deliver the high-quality new homes the country needs".
总理补充说，他相信该计划将使建筑商“有信心交付国家所需的高质量新住宅”。
Funding for the scheme is expected to come from reprioritising existing budgets, but housing developers will pay towards the running costs.
该计划的资金预计将来自重新调整现有预算的优先顺序，但住房开发商将支付运营成本。
Ministers have not yet confirmed whether there is an age restriction on the scheme, or a cap on the price on the value of the property.
部长们尚未确认该计划是否有年龄限制，或房产价值的价格上限。
The policy is similar to initiatives from previous governments, including the coalition's Help To Buy scheme, introduced in 2013 by then-Chancellor George Osborne.
该政策与前几届政府的举措类似，包括时任总理乔治·奥斯本 (George Osborne) 于 2013 年推出的联盟“帮助购买”计划。
It expanded a previous scheme, known as FirstBuy, which was aimed solely at first-time buyers.
它扩展了之前名为“FirstBuy”的计划，该计划仅针对首次购房者。
Help to Buy initially enabled all purchasers to put down a 5% deposit on a newly built home, with a value of up to a £600,000.
Help to Buy 最初允许所有购买者为价值高达 60 万英镑的新建房屋支付 5% 的定金。
Up to 20% of the cost of the home was funded by a shared equity loan, which was interest-free for the first five years.
高达 20% 的房屋成本由共享股权贷款提供，该贷款前五年免息。
The first version of the programme was active until 2021.
该计划的第一个版本一直有效到 2021 年。
A second iteration of the scheme, which ran until 2023, restricted access to first-time buyers and applied regional-level price caps to the properties that could be bought. An evaluation of the scheme, external found more than 387,000 properties were purchased through it, of which 328,000 were by first-time buyers.
该计划的第二次迭代将持续到 2023 年，限制首次购房者的进入，并对可购买的房产实行区域价格上限。 外部对该计划的评估发现，通过该计划购买了超过 387,000 套房产，其中 328,000 套是首次购房者。
In its conclusion, the report noted Help to Buy was "effective in supporting people into home ownership in some areas, but did not remove affordability barriers for first-time buyers in areas that were already relatively expensive".
报告在结论中指出，“帮助购买”“在某些地区有效支持人们拥有住房，但并没有消除房价已经相对昂贵的地区首次购房者的负担能力障碍”。
Housing Secretary Angela Rayner said "Your First Home" would "build on the lessons learned from previous schemes, while retaining the benefits".
住房部长安吉拉·雷纳表示，“你的第一个家园”将“借鉴之前计划的经验教训，同时保留其好处”。
The Home Builders Federation welcomed the proposals, saying it had "long called for action to improve access to home ownership".
房屋建筑商联合会对这些提议表示欢迎，称其“长期以来一直呼吁采取行动，改善获得住房的机会”。
"Our analysis shows a well-designed scheme can make a meaningful difference for households struggling to get onto the property ladder," it added.
它补充说：“我们的分析表明，精心设计的计划可以为努力进入房产阶梯的家庭带来有意义的改变。”
Conservative shadow housing secretary Katie Lam accused Labour of wanting first-time buyers to "take on even more debt to afford the few homes that have been built".
保守党影子住房大臣凯蒂·林 (Katie Lam) 指责工党希望首次购房者“承担更多债务，以负担已建成的少数房屋”。
She added taxpayers would take a "stake in their homes" and be "picking up the bill for months".
她补充说，纳税人将获得“他们房屋的股份”，并“在几个月内承担账单”。
Lam said: "Slapping another levy on developers risks pushing up the price of new homes too.
林郑月娥表示：“对开发商征收另一笔税也可能会推高新房的价格。
"This is a colossal admission of failure.
“这是对失败的巨大承认。
This Labour government is making homes harder to build, then asking buyers to borrow more to pay for them." Lam said the Conservatives want to scrap stamp duty, "back British house builders" and ensure that houses are "built in the places that people actually want to live".
本届工党政府加大了房屋建造的难度，然后要求买家借更多钱来买房。” 林郑月娥表示，保守党希望取消印花税，“支持英国房屋建筑商”，并确保房屋“建在人们真正想要居住的地方”。
Rayner told the BBC earlier this month that there was only a "slim chance" the government would meet its target of building 1.5m homes in England by the next election, but said she was "not giving it up".
雷纳本月早些时候告诉 BBC，政府在下次选举之前实现在英格兰建造 150 万套住房的目标的可能性“很小”，但她表示“不会放弃”。
Data up to June this year suggested the government was behind on the rate of construction needed to meet the goal, which housebuilders have previously warned was too optimistic.
截至今年 6 月的数据表明，政府在实现目标所需的建设速度方面落后，房屋建筑商此前警告称这一目标过于乐观。
BBC Verify analysis showed a decline in the number of new houses being built during Labour's first year in power - continuing a fall that began under the Conservatives.
BBC verify 分析显示，工党执政第一年新建房屋数量出现下降，延续了保守党执政时期开始的下降趋势。
The housing policy announcement came as Burnham arrived in Liverpool ahead of his first Labour Party conference since becoming prime minister.
伯纳姆在就任总理以来首次工党会议之前抵达利物浦，宣布了住房政策。
The PM said he wanted to make it a "really important week where we set out a new direction for the country".
总理表示，他希望本周成为“非常重要的一周，我们为国家制定了新的方向”。
He added: "We've had a decade since Brexit and it's been a decade of too much drift, too much division, and we need to draw a line on that."
他补充道：“英国脱欧已经过去了十年，这十年里有太多的漂移、太多的分裂，我们需要划清界限。”
Another pre-conference announcement included a pledge to offer quicker access of a guaranteed job to young people receiving health or disability support.
另一项会前声明包括承诺为接受健康或残疾支持的年轻人提供更快的有保障的工作。
The offer would be made three months after they start claiming benefits.
该提议将在他们开始领取福利三个月后提出。
This approach would be introduced from next April. Labour said the government would cover 100% of wage costs for up to 25 hours a week for six months.
该方法将从明年四月开始实施。 工党表示，政府将在六个月内承担每周最多 25 个小时工作时间的 100% 工资成本。
Currently, jobless young people aged 18 to 24 must have been on universal credit for 18 months before receiving an offer under the government's job guarantee scheme.
目前，18至24岁的失业年轻人必须获得普遍信贷18个月才能根据政府的就业保障计划获得工作机会。
Conservative shadow work and pensions secretary Helen Whately said Labour should have cut "burdens" on businesses to help ensure disabled people are employed.
保守党影子工作和养老金大臣海伦·沃特利表示，工党应该减轻企业的“负担”，以帮助确保残疾人就业。
She said: "Instead, they are bringing back a Conservative post-pandemic scheme.
她说：“相反，他们正在恢复保守党的大流行后计划。
Andy Burnham clearly has no new ideas." Whately also questioned how the change would be funded.
安迪·伯纳姆显然没有新想法。” 沃特利还质疑如何为这一变革提供资金。
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