Newspaper Ad for Mortgage Payment Advice by Directgov

directgov1

最近の信用収縮(英語はCredit Crunch)の影響で、イギリスでも住宅ローン(mortgage)の返済に苦しんでいる人が増えている。近年の好景気で不動産ブームが起こり、1995年から年間10%から11%と、過去にないペースで不動産価格が上昇した。イギリスでは地震が滅多になく、古い家や建物が人気があり、改装も当たり前。日本のように新築物件のほうが良いという感覚はない。小さい物件から始まって、値上がりしたら売り、その売却益を元により大きな住宅を買うというプロセスを繰り返す人(Property Ladder:不動産市場のはしごを上がって行くというイメージ)も多い。たくさんの人がブームに便乗し、ローンを組んで住宅を購入したが、何らかの事情によりローン支払いが出来ない人が増え、また2007年から不動産市場が悪化したため、家を売ってローン支払いに充てることも出来ず、差し押さえ物件も急増している。そのため、イギリス政府が国民への情報とサービスを提供するために解説したウェブサイトDirectgovでは、住宅ローン支払いに困った人に対するアドバイスを行っている。上記イメージは、1月14日付の新聞広告。シリアスな内容なのに、愛嬌のある犬のデザインが可愛い広告です。

Due to the credit crunch, in the UK more people are struggling to pay back their housing mortgages. The recent economic boom in UK created the ‘housing boom’, and therefore the housing price went up, at the fastest rate, of around 10% annually , since 1995. Earthquakes are rare in the UK, and historic buildings and houses are in high demand and renovation is a common practice, unlike the unpopularity of second-hand houses in Japan. Many people tried to get on the property ladder, and got houses/flats with mortgages during the boom. However, due to the credit crunch and the fall of real estate market, more and more homeowners have difficulty to pay the mortgage, and the repossession of the property is soaring up. The image above is a newspaper ad from the government website Directgov, offering an advice on mortgage payments. The contrast with the serious message and the cute dog design is interesting.

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One response to “Newspaper Ad for Mortgage Payment Advice by Directgov

  1. I think part of the challenge in getting correct advice is getting the best advisor. If you don’t gel with the expert that is providing advice, and they do not understand you, it just will not. That’s the reason that I think that there is quite an issue with people using call centres or price comparison sites looking for advice on money. One on one in my view should be the only method.

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