UK 租樓買樓攻略 (1)

同埋可以考慮 zone fare cap 同埋有冇位坐/上唔上到網
train 有位坐/上到網機會大好多

有問過mortgage agent 年薪x 75/80% x 4.5 比較有參考性

想問help to buy scheme有冇話一定要BC先可以申請?
有冇巴打成功用bno visa申請到？
感謝回覆

唔該巴打

bno 可以申請 help to buy. 不過你要清楚係

1. 2022年10月31號會截止, 你必需呢個日子前入紙, 即係呢個日子前搵到你要買既樓

2. help to buy 每個區有唔同樓價上限, 你只可以買呢個上限以下既new build. 而且一定要係new build, 唔可以係2手樓.

3. 首期俾得越少, 你個利息越高.

https://hkin.uk/2021/05/28/%E8%91%89%E6%B0%B8%E9%8F%97-%E3%80%90%E7%A7%BB%E6%B0%91%E3%80%91%E5%9C%A8%E8%8B%B1help-to-buy%E7%BD%AE%E6%A5%AD%E5%AE%9C%E6%83%B3%E6%B8%85%E6%A5%9A/

唔清楚, nhs 既help to buy 係NHS 既staff only? 呢個?

https://www.themortgagehut.co.uk/nhs-mortgages/discounts

我用help to buy 俾5%首期都係fixed rate 0.97%。有幾貴呀？我仲要就係用緊Halifax

係staff only 個個

咁你真係好平, 我同事個mortgate , 早3個月申請係 1.5%, 佢仲要唔係 minimum 既首期

咁唔識......你做NHS 既話, 我估你問番你同事會知既多過我.

你既requirement 咁specific 要近眼科醫院我諗我唔識. 我連邊度有呢d 醫院都唔知

唔該清 我會自己再做下功課先

倫敦相對爭得無咁緊要, 因為地方大. 不過都係睇你租邊d 地方, 校區必定會同最少幾個人爭. 普通近番工地方既apartment 就好好多既. 我住緊既地方完全唔係校區, 係近番工既apartment, 我直頭offer 一年租full up front 再劈佢價.

預幾耐時間係睇人品. 你唔係搵校區既話, 大多數1-2個月會攪得掂.

lm