UK 租樓買樓攻略 (4)

排頭位嘅, 全部係private/boarding. 如果係計入russell. 我諗頭100名都係佔9成都係private school.

亦即係我講嘅, 對大部份普通香港平民黎講, 係out of reach. Next possible alternative, 就係個d outstanding 學校.

oxbridge private佔既應該係3成
而你所講既搵alternative 係應該搵一間勁既state school
唔係搵一間outstanding 因為outstanding個range係好闊

啱, 係應該搵一間勁既state school (不過要within 大部份去曼城嘅人可以有嘅budget). 係後面個criteria 難攪.

我攞個中位數, £300k. 3房. 你要係呢個criteria 下搵嘅話, 你有咩心水? 我好老實講, 我真係唔知有咩choice.

呢個就係點解早期咁多人踴左去Altrincham 嘅原因.

我理解呢d low budget 家長. 我明. 而佢地嘅數目絕對係大多數, 係成個 BNO population. 你求其入一個london signal 家長group 就知. 我係一個london signal group, 成個group 有幾百人, 得2個家長係送個仔女去private. 因為大部份人都無得揀. 有得揀嘅話, 呢個 post 唔會出現, 個個入boarding, 求其搵個地方住咪得囉, 又唔洗睇catchment area. 係咪?

個情況係London 一樣有, 個地方就係Sutton. 早期又係勁平. 其實成個討論, 都係講緊"錢". 係用差唔多最下限最下限係爭扎嘅邊源嘅budget 下, 搵最好嘅學校. 而同時有d 咁多配套可以買到華人嘅生活食品. 而唔係因為間學校放棄曬所有野, 住係個完全唔知邊度又無d 咁多華人配套嘅校區. That's pretty much sum up 我地對上兩版講嘅野.

呢d 真係好似我呢d 平民考量嘅野黎. 等同我個有錢住Altrincham friend, 係唔會諗, 亦唔需要諗呢d 問題一樣.

1. 租, budget gbp 1200-1600/month
2. London/近London
2. 1-2
3. skip
4. 1hr
5. 唔需要睇校區
6. 治安>價>交通>

請出招

搵 Halifax

離題一問
上面講既private school (primary /secondary )要幾錢一年？
睇你地講好似吊打曬所有公立咁

1. 租房或買屋既 budget : 買 6-70k英鎊
2. prefer 地點 (London, Manchester, Birmingham, Nottingham...etc) : 近london
2. 你需要幾間房 : 3房
3. 你要 apartment (leasehold) 定 house (freehold) (租屋的話可以skip 呢條問題): Freehold semi detached/ detached/ bungalow
4. 番工的話, 你可以承受既commute time 係幾長? (0.5hr , 1hr, 1.5hr) : max 1.5hr
5. 需唔需要睇校區? 小學定中學? : 盡量唔好太差
6. 你會點排優先 (價錢, 校區, 治安, 交通) : 治安>交通>價錢>校區

主要想步行距離有站。 感謝

6-70K買 係咪打漏咗個0

係 60-70

即係6萬-7萬買3房?

拿，朋友岩岩買新樓，大4房1800呎，68萬鎊
就肯定唔係london 價既，但呢個價絕對可以係南面郊區買間

manchester 租屋情況亦唔見得好，800鎊真係好d 既區都搵唔到，住warrington, crewe啊個d 根本唔算住manchester, 個d 就痴線

manchester 仲要好多中國人一早住落有咩問題自己諗啦

去退休，你又好鍾意睇波，又唔識渣車，又唔介意治安麻麻，同凍過南面少少就ok, 不過想平就一定無，唔好諗

開支就三線城市點都少d, 少d餐廳你出去食飯既機會都細d 啦，交通費等各樣啦，council 都三線city,平好多既好多時，始終你間屋無咁貴

講真如果時間可以接受到個半鐘，你swindon 去倫敦都係粒半鐘左右住newbury 個半鐘直頭可以入到倫敦市中心

如果個範圍咁早，60, 70萬係呢d 地方買2000幾呎架喇

https://www.rightmove.co.uk/property-to-rent/map.html?locationIdentifier=POSTCODE%5E842250&minBedrooms=1&maxPrice=1750&numberOfPropertiesPerPage=499&radius=0.5&propertyTypes=&viewType=MAP&mustHave=&dontShow=houseShare%2Cretirement%2Cstudent&furnishTypes=&keywords=

https://www.rightmove.co.uk/property-to-rent/map.html?locationIdentifier=STATION%5E3023&minBedrooms=1&maxPrice=1750&numberOfPropertiesPerPage=499&radius=1.0&propertyTypes=&viewType=MAP&mustHave=&dontShow=houseShare%2Cretirement%2Cstudent&furnishTypes=&keywords=

6-70k英鎊, 即係 60-70萬港幣喎. 你少左個零係咪?

係 打少左個零

Orpington 應該fit your bill. 行到去車站.

https://www.rightmove.co.uk/property-for-sale/map.html?locationIdentifier=POSTCODE%5E1009653&minBedrooms=3&maxPrice=700000&numberOfPropertiesPerPage=499&radius=0.25&propertyTypes=detached%2Csemi-detached%2Cterraced&viewType=MAP&mustHave=&dontShow=retirement%2CsharedOwnership&furnishTypes=&keywords=

https://www.rightmove.co.uk/property-for-sale/map.html?locationIdentifier=POSTCODE%5E90170&minBedrooms=3&maxPrice=700000&numberOfPropertiesPerPage=499&radius=0.25&propertyTypes=detached%2Csemi-detached%2Cterraced&viewType=MAP&mustHave=&dontShow=retirement%2CsharedOwnership&furnishTypes=&viewport=0.0580582%2C0.0965318%2C51.3773%2C51.3909&keywords=

話説man 嘅council tax 係一d 都唔平, 因為我同個2個住man 嘅fd 成日對洗費. Council tax 黎講, 我住london 佢地住man 咁. 1個平我100磅一年, 另一個貴我100磅一年. 差唔遠. 佢地間屋嘅價錢係平我一半有多.

水電煤係差唔多一樣. 佢地super market 洗嘅錢仲要多過我, per head 黎計. 唯一佢地平嘅, 就係出街食野, 佢地個邊出街食野係真係平過london. 不過反正我同佢地都為左慳錢, 其實都無乜點係外邊食野. 一個星期出去食一次咁. 最後嘅分別就係車費. 佢地係必需要楂車出入, 不論是否要番工. 油費佔左佢地洗費一個share. 我係london 我就可以選擇楂車定坐tube. 如果每日都要番工嘅話, 我一定貴過佢地. 但係我work from home 多, 變左covid 之後, 我可以係交通費平過佢地.

其他洗費都係amazon 個d, 住係邊都無分別.

其實係 其實生活指數全英國都唔差太遠 只係租同樓價差得遠
所以如果有錢買樓我覺得其他地方會開心d 如果短期內都係租就可能london 好玩d

我有另一個睇法.

其實我覺得夠錢full pay 嘅話, 而*仲要搵錢養家唔係退休的話*, 先揀london. 因為london 貴係貴係租同樓價. 亦即係話如果你已經full pay 買左樓嘅話, 咁你每月mandatory 洗費就得番水電煤, council tax, internet 費, 手機費同grocery 費用. 呢d 洗費你住係英國邊個地方都一樣. 但係你係london 嘅收入, 就一定高過係Manchester 好多.

數學題就係咁啦, 洗費一樣, 收入高好多. 如果要match 埋Manchester 較大嘅生活空間的話, 住zone 5 london 應該係成條數學題最大化嘅選擇.

夠錢full pay倫敦, 都夠係man買兩三層了