英國買樓記(十)租樓還是買樓？

回覆網友 - Ｋ

Nice to read your blog, you show me how amazing a 90s are. Love reading your blog. I am sure what you are doing are much clever than the one much older than you. Amazing by your business sense!!!!

My name is K, living in HK and planning to study in UK in coming September. After I read your blog, I get a click! Thanks for your 無私的sharing. :D

I maybe able buy a flat and rent out the house to earn my school fee rather than doing part time in some local resturant.

However, I am completly new in UK property market. Well, actually I never buy any flat/house in my life. May I kindly seek you in sharing me some ideas please?

If so, I don't need to work in local resturant. For example, may you kindly suggest me the area you are talking? Which website I should use for house hunting? How I can do the mortgage? Do I need my income prove or my parent income prove?

Sincerely looking forward in hearing from you soon.

Please keep updating your blog and that's awesome.

Thanks with best regards,

K

K：

首先非常感謝你對我的blog的支持。

你說到你會在九月來英國讀書，想買層樓收租來支付學費。其實你又有沒有想過用層樓來供自己在英國讀書時自住呢？

在英國讀書，其中最大的一環的使費就是住屋成本。買樓收租的同時，自己又要租別人的樓，其實增加收入的作用已經互相抵消了，達不到預期中支持學費的效果。除非你只是想居住環境有改善，那買層舊樓收租，再以租金租住新樓，這確實是不錯的主意。

在英國，新買家買自住樓按揭可以做到八至九成，出租樓按揭則只可以做到最高七成半。而且，自住樓遠較出租樓按揭易成功批核，資格要求也較低。最重要是利息一般也較低，用同樣的資金可以買到更高價值的樓，而還款金額可能都差不多，所以我認為你可以在這方面想想。

自住樓其實也不一定是自己自住。假設你買的是近大學的兩房單位，最好選擇客廳不連廚房的那種。為甚麼最好客廳不連廚房呢？其實是為了可以多間房用來當睡房。三間房——一間自住、兩間租出去，分分鐘收回來的租金已經可以抵回按揭了！租客不單幫你供樓，還間接付了你的房租。那你省下來的就可以幫補到你的學費，甚至是生活費了！雖說銀行不批准自住樓多過百分之五十的房間租出，不過準時還款的話，相信銀行也不會主動查你。

不過以上所說的都是後話。前提最重要的是你以學生身份，可否在英國申請按揭呢？如果可以的話，以你的情況可以借幾多？學生可以工作的時數規定？

基於你現在還在香港，不妨先問問匯豐及柤關的部門，看看他們可否回答這些問題。如果他們解答不到的話，其實等你來到英國一切安頓再問也未遲。

祝新年快樂

RKWC

【以上文章轉載自九十後投資記】