In a typical construction contract, the contractor would have insurance until possession is given to occupier. I assume you need insurance when you get the keys. Please double check.
Google the following, can't seem to post original link from Financial Times FT investigation: Property developer Ballymore under fire over surging annual costs and maintenance issues
"They have also added clauses in the lease that allow them to review the ground rent periodically, for example, every 5, 10 or 25 years. Typically, the review clause allows the freeholder to increase the ground rent at each review. In theory, a ground rent that doubles every 10 years doesn’t sound too bad. However, most leases are set for a long term, such as 999 years. If a ground rent of £250 per year doubles every 10 years, you can expect to pay £16,000 per year after 60 years. For many people, that’s simply unmanageable." www.nelsonslaw.co.uk/ground-rent-increases-are-a-prickly-subject-is-your-new-build-property-affected/ (全文) 小心買屋合約有這樣的條款
Would you not request the freeholder to carry out such tasks? Leaseholder probably won't have much say in this. You would need agreement from all freeholders. This is a difficult topic at the moment. Not sure if you should carry out independent review, try work as a group on leaseholders. I don't know anyone in Manchester for this. Sorry, not too helpful.
We hv already gathered over 50 leaseholders and are trying to approach more fellows to form a tenent asso. We are charged a rocket high figures on the works yet adajcent bldg (same developer)! does not need any works at all. So we want to find someone to offer independent advice to us. It's okay and thks. Happy Easter!
Potentially! Would need building control approval and possibly planning. Cost depends on many things such as drainage runs, sub structure, other sure constraints. A bit hard to say!
亜偉的專業，真系幫到好多人，無得顶👍，心善人善，你們的父母proud of all yours 🥰
阿偉解釋詳盡，資料很有用👍
謝謝您們的分享！🙏😘😘
㊗️Canaan早日康復，復活節快！🥳🥳
阿偉中文清釋明朗，講解有道，我們聽者易明。大贊👏👏
聲音導航，現埸一樣，講解清晰。十分感謝你們嘅分享！🙏🏻🙏🏻
感謝Canaan 阿偉 ,生活忙碌也回解答支持者的發問。
阿偉講介非常仔細清楚，謝謝你們！
祝大家有個愉快復活節😀😀👏👏
Already saved this video for future reference. Thanks Canaan and the family!
祝福Canaan 早日康復,願一切的平安都歸於你們一家大細Amen
真係好喜歡睇你們的頻道，媽媽聲甜，爸爸專業，女兒可愛～
👍🏻👍🏻👍🏻謝謝你們介紹Money Super Market 買樓保比較價錢！😃
原來邊一區，邊條街，屋企門鎖都影響保費！買樓前都要留意一下😃
New Build 係唔係平好多呀！🤔🤔🤔
好有用嘅資訊 Thanks.
Canaan, get well soon.
Very detail! Thank you!
一家人好溫馨啊😊
2位有心人，你們好，多謝分享👍👍👍👏👏👏🙏🙏🙏
Canaan and family good information enjoy coming Easter god bless you and family
剛剛琴日29號收左樓，今集全部都岩用。祝早日康複！
亞偉真的解釋得好好👍🏻
我哋正想買home insurance.
好有用👍🏻
和平時一樣，呀偉的資訊非常專業詳細，謝謝你！希望 Canaan個咀快D好番，時時都咁靚！
Thank you “Wei” 好有用資訊! Canaan 你要多D休息，take care!
Thanks for sharing,睇完會記住！又要埋位繼續努力💪🏻
好詳細，好有心的關照別人。
資料好有用呀!多謝晒亞偉Ada!祝你們復活節快樂!
多謝晒你哋😊
幸福的一家🥰
It's Very helpful. Thank you Wai and Canaan. Sweet Family.
有一點要注意的， 就是你每一年都不要自動續保，因為這些保險公司通常第一年的價錢都會便宜來吸引你買，但第二年就升很高。所以每年都要到這種網站比較一下價錢，你會發現慳到不少。無論是房保或車保，broadband 或電煤等，都要每年比較。即使你想繼續用同一間公司，你也可以憑著其他公司便宜的價錢來跟他討價還價，有時候他們願意減至你匹配到便宜的價錢。
Totally! Shop around as term ends! When you say you will leave, they normally lower their price. Thanks for your comment
Canaan 早日康復😉 感謝資訊
謝謝你們呀百忙中都拍片，辛苦你們
謝謝你的資訊作為記錄，希望未來用得著。
Very informative! Happy Easter to all of you.
其實買屋之前都可以去check 保險，知道更多該區情況。
Canaan and Wai: Thanks for this video, we are moving forward on our purchase, so this info is very helpful.
多謝資訊100分
Thanks Canaank and Ah Wai
亞偉講嘢好快,好清楚,好流暢,好勁呀!!
PS: 順便一問,最近 Kill The Bill 示威遊行對您地有冇影響??
As we don't go into city centre much. No affects to us at all. Most westerners like to avoid living in city centres.
Canaan 多休息,保重身體
鐵頭妹真係好勁呀！嘴邊瘀了。🤣🤣🤣
因為係自己資產, 所以收咗屋但人未到都要買 "Unoccupied Home Insurance". 相關問題差不多!
最後報價最底係 Frontier
下次可以講下uk人壽保險、醫療保險等，香港人應否移英前停香港現有保險？thx
非常感謝你們的分享，非常有用。
分享~有用資訊~~祝復活節愉渡過~~
多謝你哋提供有用資料👍
多謝介紹🙏🙏
好有用👍🏼👍🏼
Security 一定要裝，謝謝分享.
資訊很有用,謝謝你們！
Great professional advice. Thankyou!
感謝，好有用🙏
很有用資訊, 門鎖那個想都沒有想过.
多謝亞偉詳細介紹👍🏼
祝你們一家復活節快樂🐣😁
Thank you❤
Hello ,支持你們一家很久 ，資訊十分有用 ，感謝！
有一D外牆風化鹽問題 ，想Send張相俾你先生看看 （唔知點SEND），是否NEW Build都會有？
Please Instagram message me on Canaank_uk.
Canaan，保重！請問樓花未收樓係咪暫時唔駛買家居保險？
In a typical construction contract, the contractor would have insurance until possession is given to occupier. I assume you need insurance when you get the keys. Please double check.
多謝提醒。
好有用啊！多謝！
另外最近聽到有附屬地產商既管理公司收取超高既管理費，高到差唔多供樓咁多，成萬幾英鎊一年，直頭綁架業主咁，又賣唔出又要月月俾，好似話係Ballymoore喔，有信息既盡量交流下！
Please share source of this information, I would like to know more.
ua-cam.com/video/HNOLmzh7k18/v-deo.html
信息來自“和理看天下”
Google the following, can't seem to post original link from Financial Times
FT investigation: Property developer Ballymore under fire over surging annual costs and maintenance issues
"They have also added clauses in the lease that allow them to review the ground rent periodically, for example, every 5, 10 or 25 years. Typically, the review clause allows the freeholder to increase the ground rent at each review.
In theory, a ground rent that doubles every 10 years doesn’t sound too bad. However, most leases are set for a long term, such as 999 years. If a ground rent of £250 per year doubles every 10 years, you can expect to pay £16,000 per year after 60 years. For many people, that’s simply unmanageable."
www.nelsonslaw.co.uk/ground-rent-increases-are-a-prickly-subject-is-your-new-build-property-affected/ (全文)
小心買屋合約有這樣的條款
Hi你好呀，你哋個Channel資訊性好高好實用，做得好好呀！另外可唔可以講關於醫療方面嘅資訊呀？唔該晒！
We talked about NHS and services before. Can have a look at previous videos
Thanks Canaan & Wai
十分實用的資訊，多謝您們的分享😘
感謝🙏很有用的資料
星期六唔見你哋出片，掛住你哋呀，又有少少擔心......原來係因為鐵頭功😂
迦嵐，take care and get well soon💕
Thank you for caring. We need a break!
Thanks for your informative sharing
其實未收樓contract exchange 個日已經要買home insurance, 因為由exchange to completion如果發生什麼事都已經係買家負責
Thanks for letting us know!
🙏👍👨👩👧👧Happy Easter
多謝分享！記住熱毛巾按摩－下瘀的地方，咁樣冇咁痛！
Canaan and Wai 謝謝你們很好的分享， 想請問一下，後花園有好大好大好大棵樹(受保護)， 怎可以為棵樹買保險，驚佢傷到途人， 砸爛自己或者人哋屋嘅屋頂等。。。 但一般保險都唔包， 可以點做好呢🙏🏽
請問你最後點做？我想有同樣情況😅
Thank you
Hi 你好呀，想問下Bristol有冇識講廣東話既律師介紹？😊
如果有機會，可否都講下一d資料例如Individual Saving Account ISA, 或者一d報稅的問題，例如，在英國以外的投資應該如何報稅等等。另外，因為我都有一個5歲的小朋友，都想了解一下，當英國開學後，有沒有什麼政策防止小朋友感染COVID19 🙏🏼🙏🏼
We tried to cover this in the income and tax video before. Ar Wai really likes to talk about this. So try to do another one.
非常有用。
Thank you
thx, very useful info
想問下有乜牌子嘅security alarm 唔係made in China ?
No idea🧐
Cannan ，你個honey 好好人！
鐵頭功!! 保險收屋第三日立即買咗。但草依個無計喎! 要暑假後先過蒞。唔通叫格離亞叔叔幫手剪咩(汗)...
Thanks for the info. Very useful indeed. 😀😀😀 We are E & E.
Canaan thanks for sharing
We will stay in Birmingham
very thoroughly, thanks a lot
Thanks😉
@@Dancerc請問你們會否替香港人代買屋的業務？如果可以怎樣聯絡？欣賞你們的務實所以想委托你們。
Did you recommand having a snagging survey for a new build?
Is it required? Can you do one yourself? You would hope it's not that bad. I guess you might want one for very very high value properties.
想問public liability係咪通常要分開買？譬如啲磚飛走左打傷人要賠錢個份保險，我見如果就咁searchbuilding and content insurance都唔見有喱個terms.
想請教，如果unit長期空置，好唔好switch off個boiler同freezer, 個freezer會唔會漏水？
Yeah, it's not a bad idea.
@@Dancerc Thanks a lot
除非是專有名詞，請多用中文或者全用英語表示，謝
Good as always
想問有邊間英國insurance provider 係大牌子？
Quite a lot, have a Google. Too many to mention! Use trust pilot
thanks🙏🏻👍🏻
👍🏻阿偉把聲可以做DJ 👍🏻👍🏻👍🏻
😅😅
Thank for sharing
正，偉哥，請問alarm system 如果在香港買過來英國，係米都可以用到？
If it's based on WiFi, I don't see why not.
Thx
Hi, 我哋由香港追你既U2追到uk, 前兩日入境, 現又要為搵屋搵學校準備啦
Add oil! Hope everything goes well!
很多時聽到男士每句話的尾段時，聲浪變得低沉，要較大音量才聽到，而女士的聲浪很高，又要較細音量，聽得很辛苦
Thank you for letting us know, we wouldn't know what to improve if you didn't tell us, thank you! We need to do better💪
@@Dancerc 十分欣賞你們樂意接受批評，值得讃賞👍🏻
你們的每段影片，都幫助了很多香港人，感激你們無私的奉獻🙏🏻
Take care
多謝分享！感謝！🙏🏻🙏🏻
如果我係租屋， 我係租 apartment, landlord 已經比咗service charge. 咁我係咪都要買？咁我係咪淨係買 content?
Only content if you wish.
多謝分享，真係及時雨，剛剛明天收屋，關於NCD for contents insurance，請問喺香港時無claim過home insurance算唔算呢？Thx
Probably not😬 can ask
請問如果係買apartment, insurance 係咪只需要買 content 就可以?
Confirm the freeholder/ management company covers the building. Yes, probably!
唔好意思，借個地方想問吓阿偉，請問阿偉熟唔熟識high rise 樓cladding remediation 的問題？或者識唔識人熟識？我地leaseholders 想搵人幫我地睇吓大業主嘅reports 同budget、bidding costs …係咪有必要做、造價係咪合理等等，但唔知應該搵咩人幫手。manchester
Would you not request the freeholder to carry out such tasks? Leaseholder probably won't have much say in this. You would need agreement from all freeholders. This is a difficult topic at the moment. Not sure if you should carry out independent review, try work as a group on leaseholders. I don't know anyone in Manchester for this. Sorry, not too helpful.
We hv already gathered over 50 leaseholders and are trying to approach more fellows to form a tenent asso. We are charged a rocket high figures on the works yet adajcent bldg (same developer)! does not need any works at all. So we want to find someone to offer independent advice to us. It's okay and thks. Happy Easter!
Thanks for your Instagram message. Good luck with resolving this!
收工回家再睇, Thanks
外國🈷️亮特別圓👏👍
似爸爸两女兒
謝謝阿偉詳細清晰嘅分享 👍 迦嵐妳比小鐵頭妹QQ都撞得幾應吓喎！撞到嗰吓，有冇痛到標眼水呢？ 想麻煩你哋比剛才嗰條 link 我，可以嗎？
It was very very painful! Which link? Can Google search money supermarket
Very useful information 👍🏻unfortunately 像數unclear🙈
The images are blurry?
请問律師話要exchange合同後就要買insurance,但又未收key,咁門鎖果度点選有quote價？
Look at the photos to see the front door. Should be possible
Thanks.想問多句，有d寬頻公司package內包TV BOX.係咩來？跟tv licence係咪唔同野來？如我買吾包tv box package但俾tv licence fee，基本上吾駛装tv box都睇到电視？
想問一下，如果係門前加porch 同係花園加個洗手間，一般大概幾錢，係咪找個builder 就可以，洗唔洗向council 申請？
Potentially! Would need building control approval and possibly planning. Cost depends on many things such as drainage runs, sub structure, other sure constraints. A bit hard to say!
英國嗰邊防盜同埋鎖係咪貴過香港
Around £200-500 for a set. I don't know the price in HK