UK 租樓買樓攻略 (6)

保護租客包唔包埋 容易全額拎返deposit？
如果佢扣起部份有d咩理據/方法可以拗

by the way, 值唔值得搵人代管？
即係租客有乜事例如壞左 boiler 就搵佢攪, 唔好煩我果種。

有啲錢係要畀人賺…

都值得ge, 我就自己跟，你開頭講清楚晒d rules
上至間屋保養，下至每件電器注意事項

全部白字黑字用email or whatsapp 寫好

佢摸清楚你係咩業主就唔會煩你

唔識答你, 我覺得有d 錢係要俾人賺, 我會搵大型 agent 代租出去.

我估你高估左UK 嘅household income



https://www.gov.uk/government/statistics/households-below-average-income-for-financial-years-ending-1995-to-2022/households-below-average-income-an-analysis-of-the-uk-income-distribution-fye-1995-to-fye-2022#:~:text=Figure%205%20shows%20that%20in,week%2C%20compared%20with%20FYE%202021.

£100k household income 一年 = £8333 一個月 = £2083 一個星期. 呢個收入跟據政府官方數據, 係top 3% 人口.

好似無咁多下話

每人£50k before tax, take home pay £38k

加埋after tax 76k, 每星期£1460

如果一條友賺£100k 一年，成個家庭take home pay就更少

睇AHC會準啲同埋如果有London weighting會再寫實

當Take home一個月7千鎊
如果唔儲錢唔買樓住m25內兩個人(+1細路)
住2000鎊兩/三房有嘅雖然未必靚區
水電煤雜費council tax 當600鎊
月供車加保險當500-1000鎊
食餐餐M&S或以上價位買餸 600鎊

都仲有兩千幾鎊閒錢可以留返嚟出去食飯置裝旅行，咁計都幾舒服，不過如果搵得呢個數又有小朋友都要留錢供去私校/租好學區樓入好學校

同埋Asian通常都會儲錢，咁計就唔係太多淨

但呢張圖係講稅後 disposal income
同埋淨計 London 既話呢張圖 50% 條線以下應該唔存在

其實你計埋tax 係裡面, 用official 個UK website 計嘅話


一星期after tax income 係 £1396.93. 睇番上面個表, 都講緊top 5% 嘅household 先有咁嘅household income. (上面個表唔係個人income 黎, 係household income 嘅表黎) 好高人工架啦以家庭收入黎計係UK.

個fd收到mortgage offer個APRC 6.8%
算唔算貴？

呢個係ONS data. 呢個係London only 嘅數字.
https://www.ons.gov.uk/peoplepopulationandcommunity/personalandhouseholdfinances/incomeandwealth/adhocs/13424grosshouseholdincomeforthelondonregion2019to2020



呢個係gross household income, google 話係before tax. 如果要用番上面全國after tax 50th percentile £565 per week 係做median value 嘅話, backward work out 番pre-tax 嘅annual income 係約 £34000 annually. 亦即係跟據london only 嘅excel 黎睇, 超過 1/3 嘅London人 係低於全國household income 50th percentile 嘅salary. 其實都幾suprise.

呢批人應該有唔少係住 social housing 俾緊好低既租，所以係 London 都頂到，就好似香港都有近一半人口住緊資助房屋咁。

視乎佢係行fixed rate定tracker variable
Variable 就咁上下

頭5年fixed , 剩底既就variable

用online broker 出個約數睇下先？

就咁google online broker 應該有一大抽
不過係唔係全國性咁幫到你就唔清楚
我禁過間 L＆D 1個鐘內就收到