kredyt hipoteczny
17 artykułów z tym tagiem
Podsumowanie tygodnia 27.10.2024 -- goracy tydzien
Gold reached 2,750 USD/oz -- experts predict 3,000 before year-end. Upcoming UK budget expected to include difficult decisions -- NI contribution increases could be "final blow" for many small...
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Podsumowanie tygodnia 01.09.2024 -- spadek czy wzrost
Challenges social media claims of "20-25% price drops." UK builds ~62 houses annually ("a drop in the ocean"). Three stabilizing factors: 1) Limited housing inventory sustains demand; 2) British...
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Halifax -- nowa propozycja dla kupujacych
Halifax "First Time Buyer Boost": 2 billion allocated for FTBs, permitting borrowing up to 5.5x annual income (from 4.5x). Example: household earning 50,000 -- max mortgage rises from ~224,500 to...
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Zalety i wady fixed-rate kredytu hipotecznego
Advantages: stability/predictability, protection against rate increases, peace of mind. Disadvantages: risk of overpaying if rates decline, lack of flexibility (Early Repayment Charges), requires...
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Podsumowanie tygodnia 24.08.2024 -- szalenstwo na rynku
TSB reduced rates 0.25% for FTBs/movers. HSBC and Barclays followed. Nationwide: 5-year fixed at 3.78% (unseen for 2 years). Over 10,000 entered insolvency in July 2024 (24% year-over-year increase,...
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Kupno nieruchomosci -- kompromisy
Three key factors: size, price, location. Location cannot be changed (unlike renovations/expansions) and drives long-term value appreciation. Advice: stay within realistic financial boundaries; avoid...
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Podsumowanie tygodnia 17.08.2024 -- inflacja ustepuje
Core inflation declined from 3.5% to 3.3%, services inflation from 5.7% to 5.2% -- better than anticipated. Most stubborn inflationary pressures finally easing, particularly restaurants/hospitality....
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NatWest, Virgin Money, Halifax obnizaja oprocentowanie
Major UK banks reduced fixed-rate mortgages ahead of BoE base rate decision. Virgin Money: exclusive refinancing offers including BTL and product transfers. Market anticipates 0.25% or 0.50% base...
Czytaj więcej →Jak dlugo trzeba pracowac dla kredytu hipotecznego
Myth debunked: most banks require minimum 3 months at current position (some 6 months). Certain banks accept upcoming employment contracts commencing within 3 months -- no existing employment history...
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Jak zmienily sie ceny nieruchomosci i wyplaty w UK (20 lat)
June 2003 average property: ~130,566. June 2023: ~286,000 -- approximately doubling in 20 years. Average annual earnings in 2003: ~18,200, with wages increasing since. Rising property prices...
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Bank Anglii znow podniosl stopy procentowe
Short-form post with video. Bank of England raised base rate from 1% to 1.25% -- the 5th consecutive increase. Official CPI inflation at 9%, expected to rise to 11% in coming months.
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Help to Buy ISA -- 25% bonusu
Government program for first-time buyers. Initial deposit max 1,000, then 200/month. 25% government bonus (1,000 saved = 250 bonus). Minimum 1,600 to qualify. After 4 years: up to 12,000 with max...
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Jak pobrac raport kredytowy PDF z Credit Karma
In May 2019, Credit Karma acquired Noddle. The free report displays TransUnion data and refreshes weekly. Note: downloading has since been disabled -- CheckMyFile recommended as alternative with data...
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Zakup domu wazniejszy niz slub
Good Move research shows 18-24 year olds rate property purchase as greater commitment than marriage. Marriage placed fourth for this age group. ~39% contemplate divorce or ending relationships; 53%...
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First Time Buyers musza miec srednio 54,000
Zoopla research shows first-time buyers need approximately 54,000 annual income, up 9% over three years. Typical deposit averages over 38,000. Liverpool most accessible at 26,137 income required....
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Tysiace inwestorow BTL moga starac sie o zwrot Stamp Duty
A breakthrough tribunal decision (P N Bewley Ltd vs HMRC) established that properties not suitable for habitation at purchase do not constitute "dwellings" under the 2003 Finance Act. This means the...
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Prawo do wykupu domow z Councilu (Right to Buy)
Right to Buy enables council tenants to purchase their rented property at significant discounts -- up to 70% of value. Since 1980, approximately 2.6 million council homes were sold. Example: Hackney...
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