朋友们对SHARE OWNERSHIP的房子有什么看法? 我发现这样的房子相对价钱底, 但这种房子是否终身属于自己呢? 大家发表一下自己的看法吧, 或者有经验的朋友买房后的感想...

据说这种方式的房贷， 是取决于房子的OWNER ， 一般来说好像会要求你或者你和你的PARTNER 要有20K 以上的年薪，而且除了付SHARE OWNERSHIP 这一笔每个月或许要交租金， 所以其实不合算的， 如果想买房，把钱存够做首付会比较好哦！GOOD LUCK

SHARE OWNERSHIP的房子有很多好处的, 首先房子比较新, 位置比较好. 其次, 付租金的那部分相对MORTGAGE会便宜很多.
是个很好的过度, 特别是FIRST TIME BUYER, 是个很好的选择.

这种房子如果是首次上市, 一般只有英国公民和PR的人才有权利购买. 当然各地会有不同的政策.

那工签的人看来是没有什么希望了是吗? ...

这个是不是布朗政府推行的给一些特殊行业，比如老师，护士，警察的优惠政策？

这个时候买shared ownership不值得吧，房价开始下滑了，像shared ownership这样的new home build价格相对还是比较高的，而且以后要全部买下的话，不知道是不是按当时的market value来的？

还是请买过有经验的朋友来点评一下吧

1. When you buy further shares, you pay for 'current' market valuation.

2. Not nessecary to have PR. In London, you need to register with Housing Options first, as long as your annual household income is less than £60k, you would qualify. There is a new scheme called 'My choice Homebuy' which might be a better deal than Shared Ownership. A financial assessment would be carried out to confirm how much you could afford to buy/borrow, then you'll be given a period of time to search for 'any marketed' properties within your budget to buy (50%? of share) rather than certain new bulid schemes available to shared ownership.

3. For shared ownership schemes, you pay on average 3% of rent on the part you do not own plus service charges. After 3-6mths, there are usually no restrictions on when and how much % of share you would like to 'top up'.

4. You buy shared ownership properties from Housing Associations. On Housing Options' website, you could find all availlable properties in London.

Good luck 'flat-hunting'!