2019年5月1日星期三

免首期買英國樓

最近多了讀者電郵問關於免首期買英國樓的事情,問是否真的可以做得到,以及如何去做。

所謂的免首期買樓,其實好幾年前財叔的博客都有講過。這招不是甚麼新招數,只是將同樣的招數搬去英國而已。

背後的原理就是買入比市場價低的物業 (BMW, Below Market Value),然後等幾個月至半年,再用市價按給銀行套現,將原先投資的資金收回。

比方說,物業市價是 £100 ,售價是 £75。那我以 £75 買入,然後七成半以 £100 的市價按給銀行,套現出 £75,那該物業就成為了零成本的資產。零成本,加上租金回報,回報理論上無窮大。

不過實際上,也不是完全不用資金投入,買物業的手續費,物業空置期的費用,經紀佣金樣樣都係錢,最重要的是一開始買入物業的資金,往往可能比正常買入一個物業所需的資金還要多。雖有另一個方法,利用 Bridging loan 去買入,然後等到時機轉按給銀行。但 Bridging loan 的利息頗高,利息支出也是要考慮的一點。

以上的支出對比起成層樓的價錢,或者正常的首期來說都是小數目,可以以低成本 "零首期" 買樓還是很吸引。

這時最大的問題就來了,買入比市價低的物業。有價值有市場的物業,為什麼賣家要折讓賣給你呢 ?!

比市價低的物業,大多數可以在拍賣行上找到,因為賣家要錢唔要貨,最緊要快可以收到錢(拍賣行的成交期只有幾個星期)。但這也難到大部份的買家,因為要一時間有這麼一大筆錢,不是人人可以做到。在拍賣場上買物業,除了要子彈充足,對於物業的了解也是很重要。通常一個物業要淪落到拍賣場,總有其原因。

其次亦可以在普通市場上找到開價比市價低的物業,不過同樣地,為什麼好好的物業要割價出售呢? 通常都是位置,或者租務市場不太好,不容易租出。買入這類物業,就更要做好功課。

簡單而言,零首期買英國樓是可以做到的,不過對於隔山買牛的香港投資者來說,當中的風險不容忽視。在買入之前,一定要做好計算,非常清楚買入的物業。

延伸閱讀:
https://www.progressiveproperty.co.uk/blog/10-best-ways-to-buy-properties-below-market-value/



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過去一年,我跟朋友在曼城成立了一間物業管理公司,專門管理港人在曼城的物業。經過一年試運,服務成熟,開始接納其他投資者,如果有興趣知道我們的服務及收費,歡迎你來郵查詢。

rkwc1993@yahoo.com.hk

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英國留學生必需要識在英國輕鬆賺錢的方法,每月額外幾百鎊的免稅收入,有興趣可以透過以下條 link 加入,每個月十八鎊,就有詳盡的方法,同埋每日的優惠。如果唔明白歡迎你來郵。實行有錢齊齊搵。

https://www.oddsmonkey.com/affiliates/affiliate.php?id=62463

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另外,可以透過以下的 link 打賞一下小弟,你的支持是我寫博客的動力。 

https://paypal.me/rkwc1993?locale.x=en_GB

5 則留言:

  1. 你好,看了你的BLOG很久,好INSIRING。希望你多分享。

    我在GLASGOW有些物業,你會不會MANAGE GLASGOW物業呢?

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    1. Hi Jones ,抱歉暫時都未有蘇格蘭的管理服務,不過大家可以交流一下蘇格蘭物業投資的心得。歡迎電郵。謝謝 Ricky

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  2. RkwC兄,我見你年紀輕輕,文章多分析英國樓市,好厲害!
    見你比較少講股市,期待你分享吓英國有冇咩股票值得考慮。
    by the way,係咪依家已經好少返黎香港?

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  3. Hello Everybody,
    My name is Mrs Sharon Sim. I live in Singapore and i am a happy woman today? and i told my self that any lender that rescue my family from our poor situation, i will refer any person that is looking for loan to him, he gave me happiness to me and my family, i was in need of a loan of $250,000.00 to start my life all over as i am a single mother with 3 kids I met this honest and GOD fearing man loan lender that help me with a loan of $250,000.00 SG. Dollar, he is a GOD fearing man, if you are in need of loan and you will pay back the loan please contact him tell him that is Mrs Sharon, that refer you to him. contact Dr Purva Pius, call/whats-App Contact Number +918929509036 via email:(urgentloan22@gmail.com) Thank you.

    回覆刪除
  4. Hello Everybody,
    My name is Mrs Sharon Sim. I live in Singapore and i am a happy woman today? and i told my self that any lender that rescue my family from our poor situation, i will refer any person that is looking for loan to him, he gave me happiness to me and my family, i was in need of a loan of $250,000.00 to start my life all over as i am a single mother with 3 kids I met this honest and GOD fearing man loan lender that help me with a loan of $250,000.00 SG. Dollar, he is a GOD fearing man, if you are in need of loan and you will pay back the loan please contact him tell him that is Mrs Sharon, that refer you to him. contact Dr Purva Pius, call/whats-App Contact Number +918929509036 via email:(urgentloan22@gmail.com) Thank you.

    回覆刪除

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