英國置業 - 海外留學

http://www.parliament.uk/briefingpapers/commons/lib/research/briefings/snsp-00355.pdf

greendotdot

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發表於 11-5-14 10:55 |只看該作者

原帖由 skate 於 11-5-14 10:35 發表
請問若在英國置業預備給孩子日後留學,
現沒有人住, 是否很危險?

山不在高，有仙則名。水不在深，有龍則靈。
人不可貌相，海水不可斗量。

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發表於 11-5-15 07:40 |只看該作者

原帖由 skate 於 11-5-14 10:35 發表
請問若在英國置業預備給孩子日後留學,
現沒有人住, 是否很危險?

I am not sure where is your planned location, if in London or certain prime areas, you can use buy & rent strategy.

Buy & rent will have higher mortgage rate, normally 0.5% higer than own use (Base rate of Bank of England + 4% or 4.5%, HSBC). In London the return rate 5-6%, the agent rate 10-15% + VAT, I would say quite a reasonable investment. You can plan ahead the terms of contract to ensure the availability for your kid in future.

God grant me the serenity
to accept the things I cannot change;
courage to change the things I can;
and wisdom to know the difference.

tongyimtong

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發表於 11-5-15 09:45 |只看該作者

剛自英國回來，聽做律師的朋友說。英國當地銀行(包括HSBC)，已不做無居留權人士的樓按。

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發表於 11-5-15 11:13 |只看該作者

原帖由 tongyimtong 於 11-5-15 09:45 發表
剛自英國回來，聽做律師的朋友說。英國當地銀行(包括HSBC)，已不做無居留權人士的樓按。

If you have a HSBC international offshore account, you are not necessary to be British citizen.

[ 本帖最後由 ANChan59 於 11-5-15 19:30 編輯 ]

God grant me the serenity
to accept the things I cannot change;
courage to change the things I can;
and wisdom to know the difference.

tongyimtong

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發表於 11-5-15 18:40 |只看該作者

原帖由 ANChan59 於 11-5-15 11:13 發表

If you have a HSBC international overshore account, you are not necessary to be British citizen.

ANChan59

Thanks. You're always helpful.

HSBC international overshore account 是不是一定要最少港幣100萬浮動資金(不包括物業)才可開戶？

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發表於 11-5-15 19:29 |只看該作者

原帖由 tongyimtong 於 11-5-15 18:40 發表
ANChan59

Thanks. You're always helpful.

HSBC international offshore account 是不是一定要最少港幣100萬浮動資金(不包括物業)才可開戶？

You are welcome.... (I changed the typo, should be offshore)

GBP60,000 for the first 3 months.

You can link it up with your HK Primere account, so the total maintain at HK$1M will be fine after first 3 months.

God grant me the serenity
to accept the things I cannot change;
courage to change the things I can;
and wisdom to know the difference.

tongyimtong

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發表於 11-5-16 20:50 |只看該作者

ANChan59

Thanks.

Imel

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發表於 11-5-18 12:41 |只看該作者

我想問置業有咩用?
是否用來比小朋友住?
還是要個地址有用?
點知日後小朋友讀哪間學校?

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發表於 11-5-18 18:28 |只看該作者

原帖由 Imel 於 11-5-18 12:41 發表
我想問置業有咩用?
是否用來比小朋友住?
還是要個地址有用?
點知日後小朋友讀哪間學校?

Different people have different considerations.

Some parents know that the rent in London is very expensive, instead of paying the rent, pay the mortgage may be a good investment as London property still have 6% return in Q1 2011.

If the kid studies in London, he can use it, if not still a good investment option. The exchange rate and mortgage rate are attractive right now.

God grant me the serenity
to accept the things I cannot change;
courage to change the things I can;
and wisdom to know the difference.

greendotdot

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發表於 11-5-19 18:14 |只看該作者

原帖由 ANChan59 於 11-5-18 18:28 發表

Different people have different considerations.

Some parents know that the rent in London is very expensive, instead of paying the rent, pay the mortgage may be a good investment as London property still have 6% return in Q1 2011.

If the kid studies in London, he can use it, if not still a good investment option. The exchange rate and mortgage rate are attractive right now.

Affordable prices are definitely driving the real estate market in London to date.

山不在高，有仙則名。水不在深，有龍則靈。
人不可貌相，海水不可斗量。