UK 租樓買樓攻略 (8)

好似好睇個律師識唔識搞
聽講有鬼佬唔識check hold 咗筆錢半年
有啲做開華人生意熟手半日就搞掂

其實佢地點check check d咩

check下係咪黑錢
如果舊錢係賣樓得嚟，就要俾賣樓文件、律師樓對數記錄、支票等等
如果係儲蓄就要俾d糧單、銀行月結單果d
有意買樓嘅最好開哂file儲定d文件

我知要比呢d
我意思佢地check咁耐係咪仲有其他野check
唔只睇d文件

啱啱offer accepted, 個agent一聽到我揀自己用嘅律師都係咁，好撚閪

如果準備上會 2 year fixed rate 定 tracker rate會好d 好似差唔多

有冇得投訴
真係好撚差

佢介紹個broker搵佢quote個價同我直接搵Halifax adviser一樣，仲夠膽死得product fee £999嘅plan比我揀，仲要收我£399 applications fee跟住我同個agents講，佢寸話平唔一定service好，個心諗你都on99，跟住我嬲嬲地問佢我有冇right去選擇我嘅solicitor同mortgage advisor佢先答有，但聽得岀佢唔係好gur

但有時要計吓數
有啲product fee 999/899
分分鐘利息支出係多過999

好似依個咁係咪兩個都係p&i，點解無product fee兩年還款總數平過有product fee嗰個？

For example Halifax 個quote
Property price £535000
Deposit £340000
Loan amount £200000
Loan duration 36 year
Loan to value 37.38%
Mortgage type Repayment
Monthly payment £954.61
Total amount payable £620242.59
點解total amount會係咁高，唔係應該係around £412368，唔是好明Halifax個total amount payable點計岀嚟

應該係！咁就明了

declaration
串錯