Vlog咪｜英國租樓定買樓？Chris&Willa大Project預備展開＊租金不斷升？樓價升到20年以來高位？＊「租定買大辯論」大家點睇？｜Housing in the UK
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- Опубліковано 25 січ 2024
- 香港人離開出生地、紮根地，逃到一個陌生地方重過新生，住屋當然好重要！
我哋移民英國都兩年半，一直是租樓一族，住過香港人「重鎮」倫敦南部Sutton，同埋東倫敦Hackney，係兩個完全不一樣的地方。
踏入2024年，倫敦外圍同內圍的租金升幅雖然放緩，但都依然未停，促使我哋開始考慮係咪要置業，除咗要睇住預算，仲留意緊息口及樓價走勢，亦都開始睇下唔同地區、唔同屋型，希望在有限預算裡面搵到心水的家。
「英國租定買大辯論」，大家又點睇先？
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#英國生活 #移民英國 #BNO
![Lp. Последняя Реальность #97 ЧЁРНАЯ МАТЕРИЯ [Анти Скинт] • Майнкрафт](http://i.ytimg.com/vi/k4MjXCzKsYw/mqdefault.jpg)
其實，既然兩位都已經打算有自己嘅物業係長遠計劃之一，如果計得掂條數，又可以afford得到嘅，買樓自住係最實際選擇!
個人認為樓價如海鮮價，有時太多顧慮未必係好，只要兩位覺得時機啱，又睇啱自己喜歡嘅單位和可以負擔得到嘅， 買樓自住就最好。
多謝Willa and Chris, 祝福找到自己喜歡又優良的一個家! 香港人加油!
買邊區首先要計算一下你的工作年期 及職業, 如果超過20年尚未到退休年齡, 而工作不屬於手作工業, 需要跟隨時代脈搏走的, 貴啲都要買倫敦! 就好似喺中環工作, 冇理由住天水圍!
買屋住好, 鎖定上車價錢, 有花園可以有更多空間, 春夏季的英國特別舒適！提高生活質素是很重要的！💐🌈🏡🦋
對的，是時候要做决定了。個人來看，如買freehold property， service charge 平，物業進可攻，退可守。如長住，比交租化算。祝早日找到心儀物業。🎉❤
Once rate really starts going down, house price will significantly go up. I think now is a good time
供樓平過租樓就買啦，你地擔心的都係無得控制的外來因素，無得擔心咁多
我都一樣, 重有兩箱嘢未開, 又唔係好敢買嘢, 驚要搬既時候麻煩.
金科玉律：「租樓係支出，買樓係儲蓄」
買：
一：英國樓市健康(數據支持)
二：有地但冇工人起樓，供應少(所有new build 都因為唔夠工人而delay)
三：你兩個都後生，唔怕冇野做(對你們好有信心)
四：英國都多BB 出世，人口結構良好(眼見成街成個超市好多 BB)
五：息口已見頂，唔減息都唔會加(美國已知再加息，“開始”有負面影響)
每個世代都會有經濟唔好，戰爭，金融風暴，或者各國政治上的問題，每年都會有。
最後一個真理，就算大家錢多到租三世都夠，到自己老來，業主係唔想租俾“老野”，有錢都冇得租。
人生漫長，自住既係實質既需要。結論：買^^
同意，幾有錢都好，總之點都要買番間，因為穩定性大過租或住酒店
恭祝龍年搵到好盤 😚
Thank you 芷靈～
希望大家都順順利利😁
好人有好報，祝你早日得到一個好诀定。
甘快三年了.祝心想事成❤
若果唔稔住返香港，就一定係買樓，長期租樓，只會令你既手期被蠶食，最後真係更難買，除非有更好既收入。
深同感受
同意！ 英國係一個好值得買樓嘅地方，買樓抵過租好多，因為租金一日比一日貴，租客要比埋council tax，負擔頗重
買屋量力而為，即使有能力都未必要去盡買最好的。留空間留實力，遇上變遷都仍有餘力跨過障礙。做到這一點，摸頂回落都無問題，可能到時有能力換大屋。
不過買樓的話，盡量唔好考慮leasehold apartment, 加埋每個月/年要俾管理費，可以有好多手尾。 本地人都怕。
Leasehold 好多恐怖故事，如果一定要拺 leasehold, 起碼睇過往三年 management accounts , 仔細 lun , 仲要考慮將來 management fee 加價. 盡量避免 new build apartments
不過而家起嘅new build free hold, 全部都有management fee, 只係冇leasehold apartment 食水咁深同冇王管就真
@@whmok 對, freehold property 的management fee 非常低, 在大倫敦區都只是4-500鎊一年, 因為只管理communal area 的花草樹木及街燈.
支持Chris Willa Vlog 咪節目👍👏自置物業是比較安心🥰🙏
買同租好唔同。買既話除咗mortgage，仲有好多必要洗費，例如Tax, utilities (gas, electricity, water & drain, waste），insurance etc. 你要計過哂依啲野都供得起既話就gogogo。
另外你買得既大多數都一定aim house（三房）（倫敦除外），相反，租既話兩公婆一個（一房一廳）既flat都夠做。咁既狀況底下，買既洗費一定高過租。
至於insterest rate升跌，你除非個down payment好大，否則會有好大分別，供款可以差好遠。
所以諗過度過ok就去馬。
現在買樓的議價空間高 所以有能力應該把握機會買樓 英國樓宇供應還是不足 所以就算不大升 也不會大跌 大家也說李嘉誠也在這邊買樓就沒錯了😂😂😂
英國樓市基本上落緩慢（同香港相比），大致上波幅跟通漲接近，所以「何時買樓」對於買平咗或買貴咗影響唔太大（反正已經省回租金）。反而買樓係要花好多時間：去找一個合適地點，再遇上一個合意單位，而人家又願意賣俾你，最後又成交得到（條chain唔知有幾長，業主心情忽然唔好😂）。到你最後買到樓，可能都2025了😄
多謝你們的講解及分析，對於想買樓還是繼續租屋的觀眾提供了一定的資訊；感謝你們的努力．❤
Add oil Chris and Willa, hope you can find a lovely property in the UK 💛💛
完全同意！ 呢度租樓租十幾年（倫敦以外）都已經可以買到間屋。
倒番轉頭，我既童年由大屋搬細屋，之後跟隨家人租左十年樓搬左五次屋，有童年陰影搬到怕。
有個英國YT-er叫 MattBrighton, 以前在倫敦做銀行業在市內買過leasehold apartment, 依家自己出去買house攪flip projects起家，佢有分享市場分析同點睇樓/裝修，可以參考下。
感謝Chris&willa分享英國房屋資訊😀😀🤝🤝預祝你們置業成功❤️❤️👏👏🎊🎊🎉🎉下個Vlog咪見。
買屋自住最實際，主要揀選城市。
預祝兩位早日找到一個安樂窩！🤞🏻😉
全球的貧富懸殊只會越嚟越嚴重，會令屋價越嚟越貴，相信宜早點買樓
自住樓，揀到鐘意嘅就買，吾同投資，買自己嘅巢，好嘅屋真係祖屋嚟，安心摭風擋雨，定海神針，全家人無論有乜風雨，去到幾遠，返到嚟都有個安樂窩，D財富有個聚居嘅地方，呢D時候買最好，可以買到好屋，家係無價㗎，好多年青人將家同投資mixed up。好大唔同㗎 。
Well said
Keep up strong positive vlog mic Chris with willa 😊
都好想跟你地去睇樓盆呀😍👍 Good luck !
住遠"少少' 倫敦就可以平D, 另外Town 仔又再平過city，如不須好校網又再平D，找一些有direct train to London 的Town 仔, 例如 Old Basing 😊, 只係45分鐘去Waterloo, 等如元朗去銅鑼灣，但不用轉車！
英國人嘅講法： Location, Location, Location. 地區最重要
你地兩個年青. 捱辛苦D買 London la. 你地一定唔會後悔
我做建築業，好老實，寧願住遠啲都一定會買House, 因為Apartment service charge 一年就3000-6000£，未計utility council tax and ground fee，皮費好重….
重有唔可以隨便轉utility provider ..
置業第一考慮location 。
有圖有數, 好睇有用 多謝
We bought our first house in England in 1999. We paid off our mortgage early last year. Now we have no monthly mortgage payment. The sooner you buy with mortgage, the sooner you are debt free.
計掂數，負擔得到，一定係買啦！冇理由一直幫人供樓！
有能力買樓就要立刻行動一睇樓，可能要用半年一年時間，肯定好多變數，期間慢慢計數都未遲
你要住就要買的.唔係就永遠同人供樓
Hello Chris and Willa, one of the things you’ve mentioned in your tape is right, you are at the mercy of your landlord with regards to how much they want to increase the rent. With the current economic situation in the UK, the high inflation number will remain and therefore it is unlikely the central bank will have too much room to cut interest rates, my guess is 0.25 (b4 election) and 0.25 before the end of this year. The mortgage rates of 4.09 fixed two years are shown in your chart is for no less than 60% mortgage and 40% deposit; for a deposit of 10%, I believe the current rate is 5.89%. You also need to look at the details about what rates the bank will apply to your mortgage after the two-year fixing and whether there is a penalty for you to change to another mortgage provider during the lifetime of your mortgage.
My advice/suggestion to you with regard to buying a house are:
1) whether you are considering having children in the future or not, always buy at a good state school catchment area, this will always be a value-added point for re-sell,
2) try to avoid new build property because you always pay a premium for new houses and you will not make much money when you want to re-sell. Besides most of the newly built areas are not convenient for public transport, doctors, etc, and they are unlikely in the catchment of good schools. It is better to redecorate an old property slowly by yourself or make sure you use workers that is recommended.
There is one possible good news for the UK if labour wins the election, they want to allow young Europeans (ages between 18-35) to seek jobs in the UK with immediate temporary resident visas for two years and visa versa for British to be able to seek jobs in Europe. If this goes ahead, it will improve the UK's economic prospects including housing prices.
Good luck to both of you.
Sorry, my written Chinese is just simply not good.😂
好有同感.....😊❤😊
自住點都係要買.有瓦遮頭心都定的, 不過要衡量選擇
多謝！
加油~繼續前行~祝一切順利
people so get used to low interest rate. If you check the interest rate, it was up to 14% in 80's in Canada.
I live in Seattle where has a very high real estate price. My though is as long as supply is always less than demand, the housing market won't crash too much as long as you live there for long term. Also, you can refinance with lower rate in the future.
我剛決定買(Derby)，完全接受唔到加租嘅壓力。
想避險就唔好買4大城市，之前升咁多，pk時嘔番出黎。其他地方好多new build都係200k 有semi detached
Full Pay 或供樓，生活硬系安定輕鬆好多
果然做咗好多功課👏🏻好多數據😂
加油努力
想問下不同區域的樓價比較係邊度可以搵到？我想睇下其他區。謝謝你
量力而為，有能力當然賣，利息下降，可以重按，及改年期。賣。賣。賣。
My experience; Bromley (District 5) median house in 2014 around £400K, in 2024 probably £800K⋯⋯definitely get your house if you could afford it.
Chris&Willa😀😀🖐🖐大家早晨
21年放咗層樓係香港，然後攞來英國定居，管它升幾多，香港移民人士都買得起啦，當做包租公及包租婆啦！
試吓Santander bank . 有親友近日取得供樓年利率4.1% mortgage offer
Thanks
買定租，其中一個重要考慮指標係租值(rental yield)。英國樓租值一般有5%或以上，比銀行利息更高；錢放在銀行賺利息要交income tax，自住樓唔使交稅，如果手頭有錢，一定買好過租。
ISA 20000鎊內唔計稅 自已物業定租樓基本每個月都要交市政稅
如果有計劃生小朋友，建議睇返Sutton, SM2/3 環境較你以前租住的位置好, 近車站附近出倫敦做嘢都好方便
其實好多香港人用咗香港眼光去估計英國物業形勢，以為英國樓價同樓齡、距離及方便程度、呎數有關
事實英國樓價唔會受樓齡 (百幾二百年等閒事)、市區定郊區(郊區仲貴)影響，係睇物業類型、幾多間房，detached house最貴，bungalow一層過買少見少，更貴!
當然 London City係另計，買個apartment已經夠係鄰近城市買間semi detached
我家都係企係買定租嘅十字路口上😅
可以盡量唔好做mortgage,所以我先離開London,至少日後唔需要擔心咁多
Be careful of buying anywhere so close to the River Thames. The maintenance of the river wall could be a problem when the wall starts to erode and also if the Uber boats use that part of the river as the tide and high wind can cause eroding of the river bed. There’s a development near Greenwich which is very close to the River Thames and leaseholders have now been informed the council will no fund the upkeep of the river wall and will be up to leaseholders to pay. Will be very expensive and running into half a million pounds to be shared by 11 blocks
先選區吧，尤其會兩三年後準備有BB的話，不要到時又要換樓或換屋。
Apartments 又看， houses 又看，好作比較，再看財政安排。不要理摸頂否，因你們會住很多年，自己住就不要考慮這點，而且多年後會升到阿媽都不認得，到時又點計呢？
以上是我個人愚見🙄
減按息屋價會升/跌?
(my opinion) In the long run (if you guys vision this is a long term stay in UK, I mean you will become UK citizens), you need to buy. (I won't wait 3 years long.) Renting is no doubt helping your landlords to gain profit. Of course, there are many different economical/political/government factors to affect the housing price at all time. Who knows?
thanks
Hackney 地區比較雜. 住的地方一定location 好 ，所以買前耍做research想去那一區. 買House 或 flats ？Flats就耍付每年£3000 管理費... 耍計清楚，同resell 能力(即日後想再换屋). If you want more infornation related to UK properties, pls feel free to contact me as i watch your videos often and can help as very experienced about UK .
如果唔一定倫敦,諾定咸屋價相對便宜.
希望多用航拍機,風景不一樣
咩setting唔重要，Willa good good good
供樓利息成本遠比租樓支出低，但當然有不明顯潛在費用要畀！結論係看命運！😅😊
買, 看樓
Compare to NZ, the CPI in UK is not that much. 😆😆
London太貴了，不如揀周邊？
我會選擇買，但唔係倫敦買
香港人不單只是BNO人? 包括李氏郭氏等各大家族成員 ? 亦包括很多富裕及中產 ? 在過去幾十年來已買下的物業 ? 是嗎?
長遠計應該買好過租，倫敦外圍都有選擇嘅，希望你哋快啲搵到啱嘅屋🏠🙏😀
有瓦遮頭係華人傳統智慧
你會生小朋友的話緊係揀區先啦！
英國樓點算高位，人工加兼英鎊貶值咗咁多，簡直係汪生講嘅龍市喇😂；至於樓價，曼城或伯明翰嘅好區分分鐘都要40萬鎊起跳
支持
英國政府自己都想托住個樓市唔好俾佢跌,唔係對經濟好大影響,嚟緊有新政策話幫英國年輕人置業.
👍👍👍
倫敦核心地段永遠都企係最高位 今年吾買明年只會更貴 呢個城市處於國際舞台 其需求好難向下行
快啲去買houses啦😃👍
其實英國每平方尺樓價比起香港已經平幾多，尚算合理。
想睇多d睇樓片😂
可以留意share ownership, London 東南邊嘅Bexleyheath, welling, sidcup, 治安好，樓價較平
Share ownership都幾唔抵
@@vvvwong22 share ownership不一定不好，要留心找，London 有部份share ownership是抵買，離開倫敦就唔好用share ownership, 我有朋友買近River Thame, 10年左右樓，治安好，Zone 2, £180k 30% share, rent £7xx
30% share, 再個個月交租，交管理費？
@@eruketo3969 租$715, 管理費£190, 加租和管理費有上限，Council Tax Band D, 2房680尺，市價同屋苑私人單位租金£2,000+, 管理費£230, Council Tax Band E. Share ownership 適合靚地段，同區樓價較高地方，其他人話唔抵是因為地點較不理想。用香港做例子就是找太古城，灣仔，香港半山Share ownership, 不要找天水圍Share ownership
我就唔會買呢啲唔完整屋契嘅屋😂
除咗地區同樓價，你哋都要諗自己
Location location
You forgot ZoniJai does real estate too. No meaning to advertise him. You met him before. He might of a help. Also pay attention UK does these city plan developments near London areas too affect home values and demographics
其實真係好似你咁講首要係睇餸食飯, 有小朋友同無小朋友揀區揀樓又會有唔同. 係人都知或者係人都想揀好學校區或者揀London, 但負擔唔起, 最後辛苦自己. 好可能住係 London 或者有好學校好貴既地方, 但層樓好殘住得又唔舒服咁又無晒錢剩, 咁係咪叫做為小朋友好為自己好呢. 咁點解唔搬遠d, 住得靚d舒服d又可以多個錢係身, 令自己無咁多壓力. 至於住得遠就係鄉下仔, 住得近但又唔出去, 又慳住洗, 咁又代表唔鄉下仔喇咩. 哩度返學咁多一兩星期假期, 咪揸架車去遠或者去大城市玩下囉. Anyway, 每個人選擇唔同, 心態真係好緊要, 但離鄉別井咁遠, 唔好令自己唔開心. 香港人加油啦.
係呀，我識有位單親夾硬住倫敦，住到鬼咁委屈，同人分租要個小朋友同自己迫埋一間房。
一份糧慳住用，搞到連坐巴士一蚊都要慳、買餸甚少買肉食、學校假期甚少帶小朋友離開住嗰區。
佳因倫敦有份藍領工、小朋友又要讀書唔方便搬，俾好多藉口自己唔搬遠啲。
以上就係嗰位單親口中嘅「睇餸食飯」例子，佢唔覺得有咩問題。
@@ABCD-ye3gl 所以硬性話買屋位置最重要，首先要買得起先囉。
鄉下屋係平，但係揾工作機會都要考慮埋。另外，香港人係英國窮到要慳錢少買肉類食😂😂😂英國豬牛羊雞肉就算通脹高企都平過香港好多噃😂
买
落根……要買啦
一定係買，freehold屋
你望吓發展商供應減
同意，apartment 雖較便宜但屬 leasehold，不可自由裝修，又要交ground rent 同 service fee定時起價，又唔易賣出
Apartment日後換 boiler 無得揀，因為局限咗款式和型號
有時連 broadband internet 也有限。我先前倫敦只有 optify供應。硬食。
我住在加州大都會…. 這里的房屋最小$120 萬美元起…. 獨立房屋$180-$250萬美元起跳….. 租住的二房公寓沒有$3 千美元以下的…. 所以這儿買房屋的话… 二夫婦年薪起码要有$40-$50 萬美元！