Yahushua Hong 香港人真是无知又无耻，第一，中国政府一直都有屯粮的习惯，每年一号文件一定是农业。第二，中国政府为什么买了那么多粮食，能源？那是因为川普时代为了平抑和中国的贸易逆差，与中国签订贸易协定，中国开始采购美国的粮食、能源，那会儿你们香港人的嘴脸可不是这样，说中共服软了，现在又骂中共屯粮，你们要点脸吧。
Is there some kind of investment savings plan that's tax free in UK ? I m dropping the financial plans I have in HK coz I gotta pay tax in UK once I move to Manchester. I mean to save up university tuition fees for my children Pls advise
你好，小弟有個揸bno移英朋友，懷疑墮入求職陷阱，做land search report，做完話佢做錯，個條件是100% accurate才有錢收，salary per report, no employment contract, work from home, 請問有乜英國政府部門/議員幫到佢，是否要比錢才會幫佢？
The key here is UK residency regardless of your passport type. UK mortgage lending activities are very tightly regulated by both the BoE & the FCA since the banking crisis in 2008/09. It largely falls into residential mortgage lending (regulated) & (Buy to Let) (unregulated) & corp/commercial (others). The criteria on regulated residential loans are quite tight but if you can't find what you need from banks, try the non bank mortgage lenders & some of the digital banks or go through a broker. For buy to Let, many of these are also residential loans but the lender will require a much larger deposit e.g. LTV ration at 60/70% (minimum). Check with brokers if you are not sure & sometime some lenders will be willing to give you bridging loan to bridge the difference but cf course it comes with a fee or collateral. Unsecured lending is difficult if you don't have any other assets under your name!
FYI - mortgage underwriter is your lender. It's confusing because many of the mortgage products on offer in the market are branded under a trade name & the people you deal with on the phone discussing your mortgage are likely to be someone from a servicing company but not the lenders themselves! Then of course, on top of the that, you have the brokers who are there only for the fee by helping you to find the mortgage you need but do make sure that you understand the type of mortgage you sign up for, especially on interest rate charges, penalty on arrears & fee charges, exit & redemption conditions. It can cost you an arm & a leg in years to come if you sign up for the wrong products! Your London friend had her mortgage loan approved is because she meets the credit score factors which are used as part of the overall statistical risk assessment, hence approval - having a professional & perm position with a bank does help to boost your credit score, other factors are employment history, job type, education, disposable income, age etc - its quite a long list. Most of the mortgage approval or disapproval is an automatic decision, depending on where you end up on the overall risk distribution within the lender's loan portfolio which in turn also depends on risk appetite of the lender!
我本人都係一定要買樓，買樓都係唔想俾業主隨時加租及約滿後，調整租金唔理想又要另覓地方，搬屋都有講…上屋搬下屋…唔見 一籮穀，現在乜都貴，點祇一籮榖呀…
真係好多謝🙏🏻 兩位經常提供好多現實有用嘅資料觀眾，感謝🙏🏻你哋。
先租，落腳，收入穩定，再睇定邊区才買，香港買樓，重難，多謝，分享，努力，加油，支持你
:蟠從
INVESTMENT BANK在倫敦都只能借2XXK
香港都係一樣，成數借得少加工作穩定借貨機會高
老實講,如果做住順民,香港現在生活層面好唔錯, 樓價跌左,人又少左。要急移民既香港人真係要預備好先去,唔急於一時。
在美國有些細銀行都會貸欵給新移民，但係利率好高
我黎左英國8個月，做左perm warehouse 工半年，喺H 申請，兩星期批左4.7倍人工，H會直接比個fee broker，所以broker fee係免費
謝謝 Vincent and Chrissy 的詳細說明 !
2位資訊都好有用，等港人知多啲
真心好欣賞你倆夫婦的節目
英國好快就回復正常，不要擔心👍🦘Support from Down Under👍🦘
通漲通縮多是供求形成，就算有一些合理加僓少少都帶動其它加僓，最慘是底下層生活的人！
多謝Vincent & Chrissy分享！😘
多謝你地嘅分享
好有用
繼續努力
其實香港同英國借按揭準則差不多，都係要有穩定收入良好信貸先借到，打散工或是commission base嘅工種不嬲都係難借錢，唔好來到英國就好似發現新大陸先得架
我常常睇你哋嘅片，平實有用，多謝生活分享👍🙏
👍此話題一定要分享出去🙏
喜愛你們的平實作風
認同👍🏻
Mortgage underwriter 即係銀行負責批會嘅部門
加油啦，支持你哋👍💐
🙏🏻🙏🏻🙏🏻
現在加息, 樓市應該會📉。想買🉑️以等等
當然可以等，但係到普通買家知道市場逆轉向上時，就已經很多人爭入市，低潮時買屋可有多些選擇，有時間讓你考慮，有談判空間，自住買家須知。
一次過比曬仲好！
一直都難于借錢,有香港稅單及入息証明也不批,经Broker介绍多多收費,只是一些中介亂吹如何容易,千萬別信
Thanks 🙏👍
多謝你。
Nationwide building society is the easiest bank to get a mortgage ;I’ve got mine at the age of 55.low rate.
喂你依家喺英國邊度？我都想過嚟整個英倫髮型😂點樣可以搵到你🙏🏽？
謝謝你們的資訊，努力，加油。
我都係經broker 經NatWest 做到mortgage. 我00年8月到英國好快搵到野做有payslips. 舊年3月開始反長工。係一間公司做文職絕對吾係高收入人士
00年8月？你來了UK都好耐！
@@csn4161 係呀，眨吓眼差唔多兩年。
咁，你應該係20年不是00年，我以為你來了廿年😄
恭喜你做倒mortgage👏👏
英國好多Local人都知道獅子銀行出晒名條件苛刻，NatWest, Nationwide, Halifax相對比較容易批mortgage
咁可以借幾多錢呢？
Thank you Vincent and Chrissy, this video is very useful for potential properties buyer in London!~
多謝兩位既分享
英國同歐州最嚴重，美國也到8.6％因為中國及印度可向俄佬平價買油，加上港元同美元掛鈎，所以沒有輸入通賬加上食物及日用品有大陸大量供應，所以香港通賬都係2％左右
仲有一點, 大陸於2年前已開始搶購糧食, 現時全球糧食有一半已被大陸搶購左, 但搶購行動仍然進行中! 所以話中共根本一早已計劃打刧全世界
Yahushua Hong 香港人真是无知又无耻，第一，中国政府一直都有屯粮的习惯，每年一号文件一定是农业。第二，中国政府为什么买了那么多粮食，能源？那是因为川普时代为了平抑和中国的贸易逆差，与中国签订贸易协定，中国开始采购美国的粮食、能源，那会儿你们香港人的嘴脸可不是这样，说中共服软了，现在又骂中共屯粮，你们要点脸吧。
@OsA Ko 有左消費卷之後更加癲
原本有特價既野都變成冇特價 即係暗地加價你唔知
又咁講, 英鎊又跌左, 計埋匯率其實唔係升左好多
英國好區：校網好治安好區比其他區升得好多倍
👍拍多些民生問題是需要的～🙏分享！
比吃喝玩樂 重要
@@henryzhang6489 🙏👍💪
+1
Is there some kind of investment savings plan that's tax free in UK ? I m dropping the financial plans I have in HK coz I gotta pay tax in UK once I move to Manchester.
I mean to save up university tuition fees for my children
Pls advise
Vincent , where do you live in UK? Where's is your hair salon?
銀行吾會死錯人，你做甚麼工作，你有幾多還錢能力或幾多歲，已決定你得或吾得。
Hi 樓價相對香港仲算好抵
多謝你哋分享
inflation is Increasing in UK
你好，小弟有個揸bno移英朋友，懷疑墮入求職陷阱，做land search report，做完話佢做錯，個條件是100% accurate才有錢收，salary per report, no employment contract, work from home, 請問有乜英國政府部門/議員幫到佢，是否要比錢才會幫佢？
我借到NatWest mortgage, 不過利息好貴， 4% ， 借70%
多謝分享🙏
請問有什麼基本條件呀，可唔可以分享多些信息呢😊
請問份工唔係長工得唔得? 我都係日日返工，等緊公司轉我長工。
請問首期係唔係要比好多先得？謝謝🙏
最多借人工年薪4 倍， 有6 個月出糧紀錄， 本地人好易借到75%以上， 我只借到70%。 簽左5 年fixed rate 4%
你係經mortgage broker定自己找銀行申請按揭呢？
BC的话，真係較容易嗎？請問例如有乜分別？
無香港人去英國買樓，英國地產食西北風啦，英國銀行唔敢唔借錢比香港人既。
🌹
謝謝分享
Nationwide and Halifax
🙏🏻🙏🏻🙏🏻🌹
英國樓已經俾班香港先頭部隊炒貴晒，張大導3年前已經拍埋片教炒樓如果英國政府唔正視BNO移民冇屋租或買又冇公屋單位日做夜做搵埋唔夠交租一定㑹反效果出現
呢條友 😏 $嘅嘢梗係食得唔好嘥，最方便同容易梗係揾同聲同氣 !
Could you introduce the broker to me? Thank you..
多謝🙏
英國人民較依賴gas 及petrol, 因要過冬及周圍去都要用車，不像香港坐地鐵周圍都去到，食材有大陸無限供應，俄烏打杖其實歐美人民先係真正受害者
Thanks for your sharing !!!
I got a mortgage from a bank "H.. after I arrived uk and in my job for 5 months only
not the H.. Bank from hk, Ha.. bank from Scotland
咁你唔係借好多嗎？
請問有冇平宜樓宇適合退休人士，謝謝！
完全同意，搵屋太難。似様D嘅都仲未book到viewing,一個星期就賣咗，其他甩皮甩骨都要400-500K
冇辦法啦，求過於供
依家係推垃圾屋最好時機
@app Whats 所以唔好心急 ，小心中伏
@Stella Tam 搶屋氣氛下, Offer 隨時超出asking price 一大截，業主變得更加惜售
講得啱，依家倫敦啲平區治安好差三房冇裝修爛蓉蓉都要賣£400-500K，依家啲裝修費又貴，真係早買早享受遲買貴幾球
本身獅子都唔係水浸，都快乾塘，又點會批到俾人呢…
加油
NatWest & Halifax
住倫敦一定貴，試下其他城市，起碼平一半！
Vinsylife good information
Thank you. Liked
hk有環聯信貸評級 一樣性質
但普遍地區治安一般 唔買好區真係死得～
想你地介紹下如果黎英國搞小生意/開舖頭仔, 有d乜野要做要注意?(比如商業登記, 銀行戶口?)係咪好麻煩?
，
，
老兄個咀講嘢時有少少歪歪哋喎
樓價升，但英鎊跌！
請問你們住邊區!我住諾域治Norwich.
倫敦
而家，連租盤都缺餘！
😒🙄😌😔
係咪批唔批都要比左舊錢broker做服務費/手續費? 收費如何?
唔批都要俾錢
H果間成功批左會直接比錢broker, 自己唔使比
人工有冇加價
Hi 👋
The key here is UK residency regardless of your passport type. UK mortgage lending activities are very tightly regulated by both the BoE & the FCA since the banking crisis in 2008/09. It largely falls into residential mortgage lending (regulated) & (Buy to Let) (unregulated) & corp/commercial (others). The criteria on regulated residential loans are quite tight but if you can't find what you need from banks, try the non bank mortgage lenders & some of the digital banks or go through a broker. For buy to Let, many of these are also residential loans but the lender will require a much larger deposit e.g. LTV ration at 60/70% (minimum). Check with brokers if you are not sure & sometime some lenders will be willing to give you bridging loan to bridge the difference but cf course it comes with a fee or collateral. Unsecured lending is difficult if you don't have any other assets under your name!
馬死就落地行 , 去邊度都生存到💪🏻
Broker似係中介人，點解唔自己直接去銀行問呢？Broker信得過嗎架？
而且你們個網友係銀行做，點解自己銀行都唔借錢比佢呢？
網友佢自己嗰間銀行利息好貴，唔會有員工優惠。佢透過Mortgage Broker喺網上直接聯絡所有英國銀行可以篩選一啲貴利息貸款，幫佢揀咗兩三間銀行貸款利息比較平。
你走去逐間銀行去問係可以，但係要預約浪費時間。
@@Vinsylife 多謝解釋
700都幾貴
👋hello
係英國買樓唔係打算借錢買呀！你都未落定腳咁快諗住借錢？
,👍👍🙏🙏💪💪🥰
vinsy你好，我經常都看你們視頻，謝謝你們夫婦的分享，我想約你們處理頭發，可以聯絡你們嗎？
chrissy vinsy請問你們的地址在哪兒?謝謝🙏🏻
美国加息、缩表，一定是现金为王，现在买房子一定被套牢
去得英國仲要問人借錢買樓 咁窮呀唔好去啦瞓街啦😂🤣😂🤣
我們都是買樓，佢哋要有份工有一年工作
請問駛唔駛一定要長工先得? 如果我係臨時工做滿一年，可唔可以申請呢?
@@leoleo5278 一年內要有12個個月出糧證明，無論part time
銀行先可以有得傾貸款計劃
@@wongpenny3058 請問你係邊間銀行做倒mortgage?係唔係只借倒年薪4倍左右?
@@leoleo5278 L字
你哋自己買了嗎
佢地自己買左啦
買咗好多年👌🏻
買鬼屋。
FYI - mortgage underwriter is your lender. It's confusing because many of the mortgage products on offer in the market are branded under a trade name & the people you deal with on the phone discussing your mortgage are likely to be someone from a servicing company but not the lenders themselves! Then of course, on top of the that, you have the brokers who are there only for the fee by helping you to find the mortgage you need but do make sure that you understand the type of mortgage you sign up for, especially on interest rate charges, penalty on arrears & fee charges, exit & redemption conditions. It can cost you an arm & a leg in years to come if you sign up for the wrong products! Your London friend had her mortgage loan approved is because she meets the credit score factors which are used as part of the overall statistical risk assessment, hence approval - having a professional & perm position with a bank does help to boost your credit score, other factors are employment history, job type, education, disposable income, age etc - its quite a long list. Most of the mortgage approval or disapproval is an automatic decision, depending on where you end up on the overall risk distribution within the lender's loan portfolio which in turn also depends on risk appetite of the lender!