File Chris,
Egw agorasa spiti sthn Agglia prin apo ena xrono. H diafora bebaia einai oti menw kiolas se ayto to spiti.
Sxetika me ta freehold/leasehold...
freehold = exeis to spiti + ntoubaria + oikopedo sthn idiokthsia sou
leasehold = einai kati san enoikio megalhs diarkeias. Eythynh exeis mono gia oti leei to lease, synhthos mono oti eswkleietai apo tous toixous. Dhladi orofes, ekswterikoi toixoi kai tetoia einai eythynh tou laondlord (aytou pou sou dinei to lease).
Otan to ypoloipo tou lease pesei katw apo 80 xronia tote h "aksia" peftei arketa... alla an exeis to lease gia 3 xronia kai panw tote o landlord einai ypoxreomenos na sou dwsei extension (an tou to zhthseis) me thn analogh timh. Genika tha sou elega na apofhgeis otidhpote exei katw apo 100 xronia ypoloipo. Oi neoteres kataskeyes bebaia erxontai me 999 xronia arxiko lease, sthn opoia periptwsh den exeis tetoita themata.
Sxetika me thn topothesia / xrono...
Oi timies sto londino einai ligo tsimpimenes... logo Olympiakon tha elega... enw genikotera sthn ypoloiph xwra einai psilostatheres me taseis gia ptwsh... opote tha perimena ligo an ginetai. opws epishs tha koitaza kai alles perioxes... 2 kala site einai ta
www.rightmove.co.uk kai
www.zoopla.co.uk ekei mporeis na deis times agoras kai tis times twn enoikeiwn sthn perioxh.
Sxetika me th forologia...
- Sthn ellada den tha prepei na forologitheis afou to enoikeio tha forologeitai sthn Agglia (yparxei sxetikh symfonia agglias/elladas gia diplh forologia). Bebaia den kserw ti akribws paizei sthn ellada opote tsekare me ena logisth.
- Apo th stigmh pou to spiti enoikoiazetai aytomata theoreitai oti exeis "mpizna" edw sthn Agglia. Opote oti eksoda kaneis gia thn "mpizna" afairountai apo ta eswda ths "mpiznas". Eksoda tetoiou eidous einai aeroporika eisithria gia agglia, afou tha "prepei" na ertheis na tsekareis thn epixeirish, ektaktes "episkeyes" ktlp. Stis episkeyes den symperilambanetai to bapsimo... alliws tha ebafa to spiti kathe mhna! xaxaxa A! se ayta ta "epitrepomena" ekswda bebaia mporeis na baleis kai ton toko pou plhrwneis gia to daneio.
- Opote, an den me apata h mnhmh mou exei ws ekshs...
Prwta ypologizeis to enoikeio apo ola ta spitia (an exeis panw apo ena), apo ekei afaireis ola ta epitrepomena eksoda kai to ypoloipo prepei na to dhlwseis sth "forologikh dhlwsh" pou kaneis edw. Ayto mporei na ginei kai online opote eisai ok (des edw gia leptomereies :
www.direct.gov.uk/en/MoneyTaxAndBenefits...alIncome/DG_10013435)
Opota, an p.x. pareis daneio (leme twra) 200000 me toko 3% kai noikiazeis to spiti gia 1500 to mhna kai bazeis 1000 sto daneio to mhna (ypoththemena noumera)... sto telos tou prwtou xronou tha plhrwseis foro gia £18000(enoikio)-5196(tokos daneio) = £12083
To aforologhto edw einai £7475 kai an laboume yp'opshn oti den exeis allo eisodhma sthn agglia o foros pou tha prepei na plhrwseis telika tha einai gia £12083(esoda) - £7475(aforologhto) = £4608. Auto to poso einai sthn klhmaka tou 20% ara telika ton prwto xrono tha plhrwseis £921
Ta parapanw einai poly "aplopoihmena" alla se genikes grammes swsta. Otan tha erthei h wra kalo einai na milhseis kai me enan independent financial advisor edw sthn agglia. Aytos bebaia na mhn einai systhmenos apo ton atzenth pou poulaei to spiti. Autos tha sou brei to katalhlo daneio kai tha mporesei na sou dwsei leptomeries gia to ti na perimeneis apo thn agora ktlp. Aytos epishs (an einai magkas) endexetai na sou brei kai daneio poio eykola, afou exei prosbash se poly perisotera "proionta".
Epishs na gnwrizeis oti gia thn agora spitiou xrieazesai peran ths prokatabolhs... na exeis reysto sthn akrh gia:
3% ths aksias tou spitiou gia foro, gnwsto san stamp duty (an to spiti kanei panw apo £250000 kai einai to prwto sou spiti...)
£500-£1000 gia survey tou spitiou (an to spiti einia ok domika ktlp)
£600-£700 gia to dikhgoro pou tha kanei ta ntaraveria
kai kanena £1000 gia to daneio
Kai kati teleytaio, kalo tha einai, an exeis kanena gnwsto, na tou zhthseis na balei to onoma sou se kapoio utility bill (council tax, nero, reyma, h ygraerio) h kai sto electoral roll wste na arxiseis na fenesai sto Aggliko systhma. Tha bohthisei otan erthei h wra na pareis to daneio, an theliseis na pareis to daneio ws Agglos katoikos.
Tsiou,
GG