Factors of British immigrants buying houses in London

1. Factors of British immigrants buying houses in London

1. School: Most immigrants immigrate for their children, so this may be an important factor to consider when buying a house. Especially near British public schools. Even in private schools, it is much more convenient to be close to home. For the traditional northern areas, both public schools and private schools are rich in resources. For some emerging areas, such as the south and southeast of the Thames, some houses are of high grade and high price, but the resources in the area are not very good at present, so you should pay attention. 2. Transportation: Because it takes a year or two for new immigrants to get a driver's license to drive a private car, the convenience of public transportation is particularly important. Referring to the network map of London, it extends from south to north and is also a good traffic area.

3. Short-term residence and long-term residence: If it is a short-term residence, it is best to choose to rent a house in the future. If you live for a long time, it is better to choose other types of houses and live more comfortably.

4. Public security: The public security situation in the north is better than that in the south and southeast. The website introduces the crime rate and other public safety indicators in these areas.

5. Shopping: The distance between large and medium-sized supermarkets has a great influence on the convenience of life, especially when there is no car.

2. Advantages of British immigrants

First, the application is simple and flexible.

Simply explain the proof of the source of assets, no education, no age, no language requirements, easy to provide customer documents, one person applies, and the whole family immigrates; The asset certificate can be inherited and donated, and real estate, deposits, securities and enterprise shares can be used. Children can apply for gifts separately.

1, welfare for low-income people

Housing subsidies (the government will pay most of the rent for the unemployed, extremely low-income people or the disabled), income subsidies (the unemployed, extremely low-income people or the disabled can also apply for income subsidies), and medical subsidies (free medicine fees, dental treatment fees, free eye examinations, etc.). ).

2. State pension

At present, the retirement age in Britain is 65. People who meet the age requirements can get a state pension. The basic state pension for singles is 95.25 pounds per week, while married couples can claim 65,438+052.30 pounds. If there is no other income, a single person can receive a weekly pension of 130, while a couple's pension is 198.45.

Second, other welfare systems in Britain.

① Compulsory education: Free compulsory education in primary and secondary schools.

② National Medical Service System (NHS): NHS provides comprehensive medical services, most of which are free. In public hospitals in Britain, medical services are free, except for a small registration fee.

(3) Unemployment allowance: it is provided to unemployed people aged 65-438+08 who are actively looking for jobs. The amount is based on the total amount of national insurance and personal property paid by the unemployed in the past.

④ Child welfare fund: If you take care of your child, you have the right to receive child welfare until the child is 16 years old. 16-/kloc-children aged 0/8 are also eligible if they are still studying in non-institutions of higher learning. Your first child can get 20.30 pounds a week, and every other child can get 13.40 pounds a week.

⑤ Maternity allowance: When an employee or employer is pregnant, he can apply for a maternity allowance of about 65,438+028.73 pounds per week for 39 weeks. Giving birth in a public hospital is free.

⑥ Disability allowance: For those individuals whose illness is serious enough to lose their ability to work, they can apply for a weekly allowance of 9 1.40. The government also provides free domestic workers to take care of their diet and pay necessary medical expenses.

3. Legal guarantee

Personal safety, interest safety, economic safety, fairness and justice, sound social legal system, good social order, high degree of rule of law, respect for human rights and protection of private property.

Third, a long tradition of education.

The British education system enjoys a high reputation all over the world, with thousands of courses and hundreds of schools, colleges and universities for you to choose from. There are Oxford University, Cambridge University, London School of Economics and Political Science, London Imperial College London and Edinburgh University.

3. The cost of buying a house by British immigrants

Buying a house in Britain is not just to pay the house price. There are down payment (generally 5% of the house price) and down payment (generally 20%-35% of the house price), and there are many hidden expenses.

1) Housing cost: If you are not a local tyrant and of course have a mortgage, then the monthly repayment cost will be very large, but the cost is fixed, which is well known before buying a house.

2) Mortgage insurance: If the down payment is less than 20%, the bank will ask you to buy mortgage default insurance first. You can choose to pay in one lump sum or increase it once a month in the future. Sometimes, for the sake of safety, the bank will ask you to buy a cost insurance to ensure that in the event of an accident, the bank can also use this insurance to balance the risks.

3) Housing inspection fee: buying a second-hand house generally takes this commendation road, and spending money to buy a set of rest assured, about 300-600 dollars, depending on the housing inspection project.

4) Transfer fee: 65,438+0% of the first 200,000 yuan of the transaction price plus 2% of the rest. For example, for a 430,000 house, the transfer tax is 200,000 x1%+230,000 x 2% = 6600 USD, which shall be borne by the buyer. For property buyers, this is also a big tax.

5) real estate assessment fee: The cost of real estate appraisal is about 200-400 yuan, unless the bank directly accounts for the housing loan plan, it is a fee.

6) Attorney's fee: usually not less than USD 65,438+0,200. If you hire a notary, the cost is about 600 to 700 dollars.

7) New house tax: 5% consumption tax.

8) Survey map: The loan bank will ask the buyer for the land survey map. If there is no land survey map, the buyer needs to hire an expert to survey, and the cost is about 500- 1500 yuan.

9) Property right guarantee: In case of property right problem, it may lose about 200-300 yuan.

10) property tax: after buying a house in Vancouver, you will enjoy permanent property rights, but you will have to pay property tax every year. Usually at the beginning of July every year.

1 1) home insurance: It includes house losses caused by natural disasters such as fire, flood, robbery and accidents. Perhaps some apartments will include property management fees, and in most cases they are bragging.

12) Property management fee: apartment buildings have this fixed fee, and the longer the service life of the house, the higher the fee. Some shared apartments even have some maintenance costs shared by the owners, ranging from hundreds of thousands to even tens of thousands of small things. Pay special attention to whether the old apartment building is sloppy during major maintenance.

13) moving fee: if you don't have enough money to borrow a tool car, move it slowly yourself, and this fee can be waived. Otherwise, hundreds of calculations will be needed. If you move because you change jobs, this fee can be used as tax deduction.

14) old house maintenance and renovation: depending on your financial resources and the condition of the house, the cost may be several hundred yuan, or it may be a bottomless pit. If you record the houses one by one, you can bargain with the seller.

Other miscellaneous: water and electricity, heating, cleaning, telephone, cable TV, Internet, etc. You can also make a long list. There are many things on the list.