UK 租樓買樓攻略 (5)

DDG 2023-2-9 00:52:20 how about conservatory? do we need level 3?

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梁潮偉 2023-2-9 00:53:23 無關係, conservatory 通常係額外"癡"係本來嘅屋到, 你無郁到個基建係唔洗level 3.

DDG 2023-2-9 00:54:27

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ok thanks for advice
而家啲息咁撚貴呢btw

KD35 2023-2-9 05:04:35 我同老婆兩個人想有多間房做緩衝

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另外想問吓如果老婆香港屋層樓有佢名
就算我而家用自己名買係咪都唔仰叫first time buyer
仲有冇咩scheme可以apply

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梁潮偉 2023-2-9 05:28:03 你本人無係香港買過屋 (香港你無曾經有過名係任何嘅屋), 你係UK 只落你名買, 無你老婆名嘅話, 你算first time buyer.

不過 first home scheme 係london 只可以去指定佢話係first home scheme 嘅屋買. 而且唔可以貴過£420,000. household income 唔可以多過£90000. 即係鼓厲你買屋前最好得一個人做野. 買完屋你老婆先搵野做.

https://www.gov.uk/first-homes-scheme

因為上限係£420k 又new build. 所以你都諗到唔會有2房. 全部都係得single bedroom.

https://www.pocketliving.com/?gclid=CjwKCAiArY2fBhB9EiwAWqHK6uN0Ta4yNrtgQA5H7QK4xPQhVUVTDxbbfrUO5Xe9Y0b4YtrHn84Q7RoCpeEQAvD_BwE&gclsrc=aw.ds

我所知嘅香港人係得呢個scheme 用到. 你問我嘅話, 個scheme 係零用途

茶走少奶少甜 2023-2-9 08:32:29 請問new build 需要做Home Survey嗎？
有2年保養+10年結購保養

在夜晚說早晨 2023-2-9 10:35:04

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火山口旁抽插 2023-2-9 15:25:28 Spareroom會否好多伏？

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梁潮偉 2023-2-9 23:38:40 new build 係要做snagging report

茶走少奶少甜 2023-2-10 00:17:41 我多數朋友都冇做到
我就15/16中林緊做唔做好其實需要做嗎？

梁潮偉 2023-2-10 00:38:47

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梁潮偉 2023-2-10 00:42:01 呢個問題其實係同你會唔會係香港買家居保險一樣. 無一個準則. 有人會買, 有人無買.

我自己係英國就做齊晒, level 3 survey, 車就全保, 家居都係買左基本保險再額外加content insurance.

Aviatorxx 2023-2-10 02:46:27 英國係一個家庭計，夫婦其中一個有物業都唔係first time buyer

梁潮偉 2023-2-10 03:33:09 https://www.theguardian.com/money/2020/feb/24/does-being-married-stop-me-from-being-a-first-time-buyer

當時我問我嘅conveyancer 都係話分開計 as long as 間屋係無曾經買過屋個個人個名. 即係唔可以聯名買. 當時first time buyer 係有stamp duty relief.

Scarboroughfarm 2023-2-10 03:45:29 會唔會係

老公有物業，老婆全球冇擁有過物業=老婆冇首置免稅
老公有過現在冇，老婆冇擁有過物業=老婆有首置免稅

梁潮偉 2023-2-10 03:50:56 --> 老公有過現在冇，老婆冇擁有過物業=老婆有首置免稅.

條件如下
1. 買個陣, 2個人個陣全球都無物業係手
2. 老婆全球都無曾經買過樓, 亦無曾經同老公聯名買過樓.
3. 買個陣只可以係老婆個income 做mortgage, 唔可以用household 個income 做mortgage.
4. 成個買賣過程裡面, 完全無老公個名係任何文件會出現.

正常英國人係做唔到, 因為要做mortgage. 不過香港人好多係cash buyer, 就成件事簡單好多.

Scarboroughfarm 2023-2-10 03:56:37 好清楚
Thanks

Mirror 2023-2-10 04:16:20

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梁潮偉 2023-2-10 04:34:00 我買個份家居保係包埋boiler 保, drainage...個d...好多家居保, 你要佢cover 埋boiler, drainage 嘅emergency fix, 係一個額外item 黎. 你買家居保係要額外俾小小 extra錢. 我係額外俾左錢.

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每間價錢都唔同, offer 嘅野唔同, 每個人嘅要求亦唔同, 我會recommend 你去 https://www.gocompare.com/ps/home-insurance/home-insurance/rb/? 揀. 不過, 要注意嘅係唔好齋睇佢簡介嘅料. 你係要睇每間嘅policy wording 個份pdf (即係好似聖經咁多字個份). 因為個份先有寫detail 嘅野可以要黎做比較.

係一個好tedious 嘅選購過程黎, 因為你要睇好幾本聖經咁嘅數量嘅字. 我個陣俾左我老婆玩. 佢係short list 左之後整左個咁嘅excel 出黎, 我地坐低傾要邊間公司.

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壽司店豉油碟 2023-2-10 04:34:08 420k 上限係折扣後420k?
如果計30% 折扣，即係原價最多可以係600k?
不過如果倫敦冇乜first homes scheme 新盤，都係冇用。

是知 2023-2-10 04:34:34 唔建議買boiler 水喉電器定保險

呢類保險有20% Insurance Premium Tax
好多嘢唔賠
你個個月儲錢買過個爐好過
加上英國攞人工嘅水喉佬交多稅
如何本身好地地，無乜人會想去做，得返D唔係幾得嘅水喉佬
你熱水爐爆時，要等佢等到嚟都死啦，點都唔夠最近嘅師傅快

唔使買保險，每年搵一個gas safe engineer做一次保養就夠
https://www.gassaferegister.co.uk/find-an-engineer-or-check-the-register/check-an-engineer/

水喉非常少要換，最多幾十年換一次，完全買唔過

是知 2023-2-10 04:41:49 https://www.defaqto.com/
好似你咁睇都得，無時間嘅可以用defaqto rating 去揀

大部分公司會有幾種程度嘅保險賣，建議用份保險去比較，唔好用公司

茶走少奶少甜 2023-2-10 05:03:21 收到感謝

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梁潮偉 2023-2-10 05:47:40

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2個問題

1. london 有幾多盤係會有咁嘅價仲要係new build? 我暫時見嘅都係得1 bedroom 為主, 仲要未有樣睇, 都係話未來有.

2. 睇左好多網站, 都係無講佢個個價係咪已經discount 後. 而且好多其他非london 地區, 都係連盤都未有, 就咁話有個陣alert 你.

基於香港人黎呢度, 通常都最少要2房. 即係話你如果諗住係london 用呢個scheme 嘅話係零用途. 係其他city 嘅話, 價錢上黎應該會買到2房. 不過因為new build 嘅原因, 如果佢擺得係first home scheme 嘅話, 一定係遠離市區嘅地方. 好嘅盤都唔會擺係個d scheme 到. 校區就更家唔洗諗.

撇除london 咁難玩 . 以非london 黎計, 佢上限係250k. 當我攞250k 嘅錢出黎, 比我揀買間好隔涉嘅new build, 定係話買近番d 市區嘅舊屋的話, 我會情願買番舊樓. 仲要搵食架囉, 住係老鏈咁遠點攪.

FKL 2023-2-12 17:16:23 How it works
You can look for new homes in your area that are advertised by developers as part of the First Homes scheme.

Developers offer these homes to first-time buyers with 30% to 50% of the market value taken off the price.

Every home that’s sold is valued by an independent surveyor to make sure the discount is based on actual market value.

The homes cannot cost more than £420,000 in London, or £250,000 anywhere else in England, after the discount has been applied.

You can only sell the home to someone who is eligible to buy a First Home. You must give them the same percentage discount that you got, based on the home’s market value at the time of sale.

我喺你俾果條link搵到呢段
究竟邊個價先啱？