我打电话给我银行，花了一个半小时go through the mortgage application, including the credit score checking, the outcome is positive, i asked the agent, where am I standing now ? He said, computer says you are accepted, you can go to make an offer to the house you want to buy now, sounds like some sort of principle agreement being granted.

my question: does this mean that i am guaranteed with mortgage money already or they can still refuse me down in the further future?

as i dont want to lose my deposit paid to the seller on the agreement to buy the property, then my bank suddenly turn me down. dizzyy ......

你最好用中文讲讲，怎么看来看去觉得这顺序好象不对

我是先找我的银行问，我要一笔钱买房子。
通过电话里，after all sort of things, + the credit score checking, 那个NATWEST mortgage adviser, 说,电脑显示你被接受了，你可以去找房子然后make an offer. some sort of principal agreement.


我的疑问，我的 mortgage lender 会突然间说，对不起，我们不能借你钱吗？

如果我真的跟屋主说我要他的房子之后，让侯银行又突然说不给我钱了，那我就会赔了订金呀。

你要问银行拿个MORTGAGE PROMISE做为凭证

yow yow yow, yes i did, will receive it tomorow, the guy, the mortgage advisor said.
need to get a solicitor now, bla bla bla,

3 bedrooms terrace house, nice condition, well kept by the previous owner, not on chain, can move in anytime once the payment is made. £110000.

才110K， 简直无法相信还有这么便宜的房子。

找律师是正确的步骤. 你现在拿到的是, AGREEMENT IN PRINCIPLE. 这个在现阶段就行了. 如果你的OFFER 被接受, 你才能继续申请MORTGAGE. 那个步骤就有点麻烦了, 需要材料, 签字. 然后由你的MORTGAGE ADVISOR送去银行MORTGAGE TEAM审核. 一般是没有问题的. 1周之内就会有答复. 一定给自己的MOVE IN DATE充足的时间啊.
祝你好运.

先谈mortgage再看房子是正确的步骤呵呵，祝楼主早日入住新居

对，按照MIUMIU说的才是正确的步骤，先拿到MORTGAGE OFFER然后再联系LAWYER， 在OFFER还没有拿到也没有律师的情况下不能交DEPOSIT，那样太没有LEAGAL BOND了。

但真正最后会RELEASE THE MORTGAGE, 还要看房子的SURVEY.

所以, 没有百分百的事!

看大家买房装修搞得热火朝天，俺今天去买菜，从银行门口过，头脑一发热就进去了。结果15分钟后就被告知他们可以借我钱，打印了quota给我，而且那个职员还说过几周给我打电话问我的进展。简直比我还着急。可实际情况是，我也就是那么一想，是不是买，什么时候买还真没有严重考虑过呢。。。

对，价钱谈好了，94000 镑，应为需要10000 镑来翻新一些东西，
new wiring for the whole house, new central heating and boilers, new kitchen and new laminated wooden flooring. tomorow go to get the lawyer.

yow yow yow, getting to the final stage now, waiting for NATWEST to say YES!! for the final offer and release the money to me.
Done the evaluation and survey, got my solicitor done the searches............ doom doom doommmm ....move on move on ..... my first ever house !!!

the cost for refurbishment had gone up to £15000 now ,
gosh ...... resize the kitchen, knock down the wall separating the storage room, knock down the chimney wall .... make the kitchen looks so much bigger ...... yow yow yow

final offer letter from bank received this morning, hopefully everything will go on smoothly.

how mush is the interest rate APR?

天。。。好便宜的房子。。。在哪里啊？

房子应该快到手了吧。。。

嗯，九月4号 completion date,
房子装修进行得如茶如火。 装修大概1万3左右。换了好多冬冬。。呵呵呵。。。。
好期待可以住进新房子呀

oh yeah, its quite cheap , as it is a property of a known friend. Estate agent valued it at £98000, i got it for 94000.
spent roughly about £13000 for refurbishment, so all things in there should look good. I love the kitchen now, it is massive, i resized it from 12 m#2 to 16 m#2, and its nice......
by the way, it is in West Yorkshire, cheapest place in whole UK... hhhahaha , surrounding is " old Folks" area .. hahaha ...... but they are all nice ppl to live with, no signs of YOB, nobet, moron, so its quite ok

贩子到手咯。。。。。。 15 9月2006 完成交易。。
所有费用。。。。。贩子-94000。。。。。。装修-13900。。。。。律师费----600
利率。。。。。4。79% 两年。。。。。

still some small decorating things to do ..... wanna cut the cost .... hahah ...... overall it feels alright ....

i am looking for a glass dining set for my kitchen still, cant find any that is appropriate .... i.e ... money matter ... hehehe

anyone know where to look for electric reclining leather sofa ? i like it so much since i tried it once ........ i wanna something that is cheap and reliable .... electrical stuff ....you never know ......

anyone ? any idea ?

我哦哦哦。。。
快装修完了。。。呵呵呵。。。。。

大家都自己装修妈 ？
我没本事。。。。 干不来。。。。。。 哈哈啊哈。。。。

剩下铺地板了。。。。。。楼上铺地毯。。。。。 楼下木板。。。。。

请问: 你在哪里请的律师? 我的律师开始给价840磅, 不过最后加这加那成了1100磅, 到了快拿钥匙的时候. 没办法只好让人宰. 我也在west yorkshire

EATONS solicitor, in bradford.