UK 租樓買樓攻略 (1)

Charlton station, 盡量睇左邊圈內. 我落過site 睇過個邊既屋, 治安ok 既.

https://www.rightmove.co.uk/property-for-sale/map.html?locationIdentifier=STATION%5E1955&minBedrooms=1&maxPrice=550000&numberOfPropertiesPerPage=499&radius=1.0&propertyTypes=bungalow%2Cdetached%2Csemi-detached%2Cterraced&includeSSTC=false&viewType=MAP&mustHave=&dontShow=retirement%2CsharedOwnership&furnishTypes=&viewport=-0.00366945%2C0.0655673%2C51.4733%2C51.4974&keywords=

Thanks, 想問埋battersea果頭建唔建議？

https://www.rightmove.co.uk/property-for-sale/map.html?locationIdentifier=POSTCODE%5E4453635&minBedrooms=2&maxPrice=500000&numberOfPropertiesPerPage=499&radius=0.5&propertyTypes=detached%2Cflat%2Csemi-detached%2Cterraced&secondaryDisplayPropertyType=housesandflats&viewType=MAP&mustHave=&dontShow=&furnishTypes=&keywords=

battersea 呢個圈內既得. 不過, 完全無freehold 係個個價錢, 全部只有leasehold. 你要問番ground rent 同service charges 幾錢. ground rent 幾耐會double 一次個價錢. 同埋仲有咩係唔做得 (俾如裝修邊d 野要問過freeholder 之類)

Retirement House 不嬲都平好多

Thanks, 不過其實battersea係咪唔係幾方面
如果返工返london bridge或者blackfriars都幾轉折下

其實leasehold唔應該係deal breaker, 視乎張lease年期同其它細terms, 如果剩餘年期夠長eg. 200+ yrs 又無其它限制，咁freehold同leasehold嘅分別可能就係果每年幾鎊至百幾鎊ground rent

當然要係咪都要睇清楚張lease

2 個地方都係有d area 好, 有d area 差咁. 詳情搵番

https://www.plumplot.co.uk/South-West-London-violent-crime-statistics.html

不過我係度住得1年後, 我其實唔會搵d 咁近city 既地方住. In general 環境都係雜過住zone 3 外. 我自己買完zone 3 既屋, 而家都嫌仲係太近city, 我應該買zone 4 外.

治安真係有明顯分別, 你住得近city. 同香港生活模式好唔同. 你係香港差極咪深水埗咁. 呢度你揀地區錯, 係真係多傷人案, 見血架. 就算唔係傷人, 近city 既爆屋案係明顯多過你住zone 4 外.

最終都係睇你有幾多budget.

leasehold 都係睇番個terms. 你要知個間屋仲有幾多年要續個lease. 你唔可以買低過80年lease 既褸, 因為續個lease 會好貴. 不過你住落去, 你eventually 都係要俾錢續.



另外其他野就係ground rent 同service charges. ground rent 要睇番個terms 幾錢, 幾耐會double 一次個收費. 而service charges 係新apartment, london average 價係£2000 一年. 舊d 既apartment 當然平d. 最後就係你對間屋既權限. 你裝修係需要問業主有乜野做得, 有乜野唔做得. 你無最終話事權點樣攪間屋. 個權係freeholder 手. 撇除對間屋既權限問題, leasehold 平咁多主要係佢係其他地方會慢慢問你攞番. 不過佢俾時間你慢慢俾. 對唔夠budget 既人係有一定吸引力.


就算大部份本地人, 都係以freehold 為人生最終目標, 不過可能會先買leasehold 上車先咁. 因為freehold 個價真係同區內, 以london 黎計, 貴£100k 以上, same location, same size. 價錢反影左個demand. 而且好多係唔止貴£100k.

我自己選擇係一定搵再遠d 既地方買freehold. 其實現時個催勢都係本地人一路向zone 5 外遷移. 我成條team 既同事, 無一個住係zone 5 內.