UK 租樓買樓攻略 (3)

https://www.comparethemarket.com/mortgages/content/mortgage-agreement-in-principle/

seller 或agent 係有機會要你有approval 先會俾你買. 因為香港人差唔多係0 credit history, 如果你唔係cash buyer, 又無 credit history, 好多人未必會信你有錢, 或者係真係借到錢.

同你租屋一樣, 大部份肯租俾你既人, 都係要你先俾半年錢個道理一樣.

啱啱到埗係Newham住緊
真係唔多頂得順
平成咁係有佢嘅原因

想攞首置免稅
買屋都要睇著買

其實我多次同諗住買近city 既人講過. 呢度唔似香港咁安全. 你係無辦法用香港常理去理解呢度一區唔同一區既分別. 係好大好大既分別可以.

你如果諗住係住近city, 住得人既地方, 個d 價錢郁下都上百萬英磅. 去到zone 3 既就有d 平d 既小學區睇, 不過無中學. 好似Greenwich 到Charlton 一帶個d 咁. 你要有小學又有中學既, 而治安係好既, 差唔多大部份都係zone 4 以外. 另外你睇grammer school 既分佈地點都見, 根本9成都唔係市內

https://11plusexampapers.co.uk/grammar-schools-county-wise.html

你住係唔好既區, 唔係話你小心d 就無事. 係俾人爆屋同偷車你係無得避. 就講我裝修緊個個裝修佬同我講, 佢幫緊另一家人做裝修, 係zone 3. 個工地都俾人爆, 偷晒裡面工地值錢既料, 同工具. 你係香港係完全唔會諗到咁既野都有人去爆格去偷. 住近city 既偷車案就仲嚴重. 成架車唔見左訓醒之後. 呢d 事係無辦法用香港人常理去明白到.

我仍然都係咁講, 租屋住近city 無問題, 你買既話, 唔好諗住貪方便住近city. 呢度本地人都唔會咁做. 呢度London 既average commute time 係講緊 1 hour 係有原因. 就算唔講治安, 你要賣d family home 係咁近city, 都好難甩手.

用邊間broker
小弟想搵london 盤
成過流程
broker >地產>律師》buy ?
其實係唔係一定要用地產介紹broker
自己揾得唔得？
我同地產條broker 溝通唔到（印度/中東人）
d 尾音好難聽明

想問下最後借到90% ?

狗島果邊呢？碼頭果區，左邊（近crosshabour station) 或右邊（近華人街）

反轉先啱

我係直接rock in 搵地產商買樓，所以冇經agent, 如果買舊樓應該就似乎搵agent 好d
唔一定用地產介紹個broker 架，可以用第二個

ching 原來已經係英國🇬🇧
london 樓 係唔係供得好辛苦
可唔可以分享下

自住真係不了
但投資我覺得有得諗

location 靚又低水
政府洗錢活化個區
而且佢附近d 小學成績係極好

同埋poplar 有間名校 Mayflower
個primary result 有44% pupils achieving at a higher standard

CoE
你係耶撚？

唔係但唔介意送個仔去讀

london 中心地區(Zone 1-5) 2房flat 都起碼600 萬港幣，可能平香港少少
House 要請教下其他巴打

你睇左admission policy 未? 你排最尾

1. Looked after child and any child who was previously looked after but immediately after being looked after became subject to an adoption, child arrangements, or special guardianship order including those who appear to the London Borough of Newham to have been in state care
outside of England and ceased to be in state care as a result of being adopted. (Point 15)
2. Children whose parents or carers have a practising membership of St Luke’s Church, Victoria Dock. (Points 15 &16)
3. Children whose parents/carers have a practising religious membership of a Church of England church. (Points 15 &16)
4. Children who have a sibling on roll at the school who is reasonably expected to still be on roll when they start. (Point 18)
5. Children of parents/carers who are directly employed by the school. (Point 17)
6. Children whose parents/carers have a practising membership of another Christian church or practise another faith. (Points 14,15 &16)
7. Service children (Point 19)
8. All other children

本身有諗住返下church
考慮下

點會
最多都係借到你年薪4~5倍
除非你買層超平既樓