谢谢大家之前的帮助!
现在要和律师约时间签合同了，信上说要准备好home insurance的文件。我还没有买呢。今天在网上看了看，有一个问题，每个公司都要什么时候开始保险，我应该怎么填呢？我现在连exchange contract是哪天都不知道呢，completion day应该是就是开始保险的时间吧？我应该怎么填呢？
另外，为什么从confused, moneysupermarket之类的网站找到的offer比直接去那些保险公司的网站上找到的还要贵呢？是我填错了什么东西还是他们就是这么work的？
希望大家给点建议，那些additional的保险（accidentaldamage之类的）有用吗？如果我不小心自己把电视碰地上摔了，这个保吗？
大家能推荐一些公司，或者最近的offfer吗？谢了！
我还有一个关于mortgage的问题。那种n年fixed的，可以在n年结束以后remortgage. 那么tracker的呢？能remortgage吗？如果可以，什么时候可以呢？
十分感谢！
完整版本: 继续买房子的问题
俺的HOME INSURANCE 一年300多镑，跟MORTGAGE绑一起的。保的是房屋及2万镑的家具。一般从交换合同开始就要求你的保险COVER。
其他关于MORTGAGE的问题，俺一律不知道答案。
INSURANCE太贵了，不过可以搬到新家后，换！
其他关于MORTGAGE的问题，俺一律不知道答案。
INSURANCE太贵了，不过可以搬到新家后，换！
引用(擦肩而过 @ 6 Jun 2008, 21:25) 
俺的HOME INSURANCE 一年300多镑，跟MORTGAGE绑一起的。保的是房屋及2万镑的家具。一般从交换合同开始就要求你的保险COVER。
其他关于MORTGAGE的问题，俺一律不知道答案。
INSURANCE太贵了，不过可以搬到新家后，换！
其他关于MORTGAGE的问题，俺一律不知道答案。
INSURANCE太贵了，不过可以搬到新家后，换！
很感谢啊,我差点就买晚了...
不过你的insurance真得很贵啊，我看到都是1百多，2百多的。。。
再次感谢！！
你真热心肠。。。
Insurance:
If you're buying a house, what you really need, or the lender really needs is building insurance which should cover full cost of rebuilding the house, in worst case scenario. Content insurance is optional as this is not required by lender but because of the discount you normally can get by combining building and content insurance, most people buy both in one go. Pls check the mortgage offer to see if the lender requires insurance bought togther with mortgage from same company as in most cases, you will get better deal by seeking insurance from companies other than the lender. £300 a year is actually not bad if that includes both. Some insurance companies let you customise how much you want to cover, and how much excess you need to pay when making claim, both of which will affect the insurance premium. Generally speaking, you don't need much cover for content as most policies' basic cover should be quite enough; as for building, pls have a look at the figure quoted in survey report for rebuilding cost, if there is one and the cover should be more than that. Also there are some optional covers such as legal liability and home emergency. They don't cost too much so you may well consider adding them. I personally like to add home emergency as it covers unexpected costs caused by things like boiler break-down.
Mortgage:
First of all pls pls make sure you have mortgage sorted asap as mortgage deals come and go fairly quickly these days and rates are going only one-way - that's UP! It needs a book or two to explain clearly about how to choose suitable mortgage but in answering your question, the difference between tracker and fixed is not about the flexibility of remortgaging; as long as there is no early redemption charge attached to a deal of your choosing, you can remortgage at any time even when the deal is still runing; otherwise you still can but have to pay the penalty of leaving early. Therefore tracker with early redemption charge is probably the most risky deal but you can also gain with the deal. Tracker without early redemption charge is very flexible as you can switch when you feel right, and that could be when the base rate is too high or you think it's time to fix to a low rate. Fixed rate is more advisable to people who really stretch themselves in a long way and stability is what they want and need. Lastly I have to say it's very expensive at the moment to get a mortgage: you will be looking at >6% for a long term deal or >5.5% for a 2 year one, both of which are cheapest rates for people with top-notch credit score. Again pls sort out your mortgage NOW if you've not done so!
Hope above helps.
很感谢啊,我差点就买晚了...
不过你的insurance真得很贵啊，我看到都是1百多，2百多的。。。
再次感谢！！ 你真热心肠。。。
If you're buying a house, what you really need, or the lender really needs is building insurance which should cover full cost of rebuilding the house, in worst case scenario. Content insurance is optional as this is not required by lender but because of the discount you normally can get by combining building and content insurance, most people buy both in one go. Pls check the mortgage offer to see if the lender requires insurance bought togther with mortgage from same company as in most cases, you will get better deal by seeking insurance from companies other than the lender. £300 a year is actually not bad if that includes both. Some insurance companies let you customise how much you want to cover, and how much excess you need to pay when making claim, both of which will affect the insurance premium. Generally speaking, you don't need much cover for content as most policies' basic cover should be quite enough; as for building, pls have a look at the figure quoted in survey report for rebuilding cost, if there is one and the cover should be more than that. Also there are some optional covers such as legal liability and home emergency. They don't cost too much so you may well consider adding them. I personally like to add home emergency as it covers unexpected costs caused by things like boiler break-down.
Mortgage:
First of all pls pls make sure you have mortgage sorted asap as mortgage deals come and go fairly quickly these days and rates are going only one-way - that's UP! It needs a book or two to explain clearly about how to choose suitable mortgage but in answering your question, the difference between tracker and fixed is not about the flexibility of remortgaging; as long as there is no early redemption charge attached to a deal of your choosing, you can remortgage at any time even when the deal is still runing; otherwise you still can but have to pay the penalty of leaving early. Therefore tracker with early redemption charge is probably the most risky deal but you can also gain with the deal. Tracker without early redemption charge is very flexible as you can switch when you feel right, and that could be when the base rate is too high or you think it's time to fix to a low rate. Fixed rate is more advisable to people who really stretch themselves in a long way and stability is what they want and need. Lastly I have to say it's very expensive at the moment to get a mortgage: you will be looking at >6% for a long term deal or >5.5% for a 2 year one, both of which are cheapest rates for people with top-notch credit score. Again pls sort out your mortgage NOW if you've not done so!
Hope above helps.
引用(angelwhale @ 6 Jun 2008, 22:05)
引用(擦肩而过 @ 6 Jun 2008, 21:25)
俺的HOME INSURANCE 一年300多镑，跟MORTGAGE绑一起的。保的是房屋及2万镑的家具。一般从交换合同开始就要求你的保险COVER。
其他关于MORTGAGE的问题，俺一律不知道答案。
INSURANCE太贵了，不过可以搬到新家后，换！
其他关于MORTGAGE的问题，俺一律不知道答案。
INSURANCE太贵了，不过可以搬到新家后，换！
很感谢啊,我差点就买晚了...
不过你的insurance真得很贵啊，我看到都是1百多，2百多的。。。
再次感谢！！
你真热心肠。。。引用(cwang @ 6 Jun 2008, 22:35)
Insurance:
If you're buying a house, what you really need, or the lender really needs is building insurance which should cover full cost of rebuilding the house, in worst case scenario. Content insurance is optional as this is not required by lender but because of the discount you normally can get by combining building and content insurance, most people buy both in one go. Pls check the mortgage offer to see if the lender requires insurance bought togther with mortgage from same company as in most cases, you will get better deal by seeking insurance from companies other than the lender. £300 a year is actually not bad if that includes both. Some insurance companies let you customise how much you want to cover, and how much excess you need to pay when making claim, both of which will affect the insurance premium. Generally speaking, you don't need much cover for content as most policies' basic cover should be quite enough; as for building, pls have a look at the figure quoted in survey report for rebuilding cost, if there is one and the cover should be more than that. Also there are some optional covers such as legal liability and home emergency. They don't cost too much so you may well consider adding them. I personally like to add home emergency as it covers unexpected costs caused by things like boiler break-down.
Mortgage:
First of all pls pls make sure you have mortgage sorted asap as mortgage deals come and go fairly quickly these days and rates are going only one-way - that's UP! It needs a book or two to explain clearly about how to choose suitable mortgage but in answering your question, the difference between tracker and fixed is not about the flexibility of remortgaging; as long as there is no early redemption charge attached to a deal of your choosing, you can remortgage at any time even when the deal is still runing; otherwise you still can but have to pay the penalty of leaving early. Therefore tracker with early redemption charge is probably the most risky deal but you can also gain with the deal. Tracker without early redemption charge is very flexible as you can switch when you feel right, and that could be when the base rate is too high or you think it's time to fix to a low rate. Fixed rate is more advisable to people who really stretch themselves in a long way and stability is what they want and need. Lastly I have to say it's very expensive at the moment to get a mortgage: you will be looking at >6% for a long term deal or >5.5% for a 2 year one, both of which are cheapest rates for people with top-notch credit score. Again pls sort out your mortgage NOW if you've not done so!
Hope above helps.
If you're buying a house, what you really need, or the lender really needs is building insurance which should cover full cost of rebuilding the house, in worst case scenario. Content insurance is optional as this is not required by lender but because of the discount you normally can get by combining building and content insurance, most people buy both in one go. Pls check the mortgage offer to see if the lender requires insurance bought togther with mortgage from same company as in most cases, you will get better deal by seeking insurance from companies other than the lender. £300 a year is actually not bad if that includes both. Some insurance companies let you customise how much you want to cover, and how much excess you need to pay when making claim, both of which will affect the insurance premium. Generally speaking, you don't need much cover for content as most policies' basic cover should be quite enough; as for building, pls have a look at the figure quoted in survey report for rebuilding cost, if there is one and the cover should be more than that. Also there are some optional covers such as legal liability and home emergency. They don't cost too much so you may well consider adding them. I personally like to add home emergency as it covers unexpected costs caused by things like boiler break-down.
Mortgage:
First of all pls pls make sure you have mortgage sorted asap as mortgage deals come and go fairly quickly these days and rates are going only one-way - that's UP! It needs a book or two to explain clearly about how to choose suitable mortgage but in answering your question, the difference between tracker and fixed is not about the flexibility of remortgaging; as long as there is no early redemption charge attached to a deal of your choosing, you can remortgage at any time even when the deal is still runing; otherwise you still can but have to pay the penalty of leaving early. Therefore tracker with early redemption charge is probably the most risky deal but you can also gain with the deal. Tracker without early redemption charge is very flexible as you can switch when you feel right, and that could be when the base rate is too high or you think it's time to fix to a low rate. Fixed rate is more advisable to people who really stretch themselves in a long way and stability is what they want and need. Lastly I have to say it's very expensive at the moment to get a mortgage: you will be looking at >6% for a long term deal or >5.5% for a 2 year one, both of which are cheapest rates for people with top-notch credit score. Again pls sort out your mortgage NOW if you've not done so!
Hope above helps.
十分感谢!我选了hsbc的tracker...5.99%,不知道会涨多高。。。是不是当初应该选fixed的呢？唉
Base rate + 0.99 is fairly good. It was even better a few months ago when everyone was betting on interest rate down to around 4% sometime next year. Now it's all gloomy and I think the rate's next move could well be up if inflation is staying high. Lots of things are happening now and who knows what the rate will be so relex and good luck!
Home Insurance别乱买，每家Lender都有自己的T&C，你必须按着你的Lender的要求买保险。
我当时也是有你同样的问题，后来律师建议先用Lender自己的Framework Insurance Broker，等Exchanged之后，直接就上Notice要求Cancel，当然必须付Penalty，这就得看这家保险的Penalty是多少钱。我们当时只需付12镑的Penalty，所以就毫不犹豫的取消了，换另一家公司的，记得这家保险公司也必须达到你Lender的要求。
先用Lender的有个好处就是因为现在比较急，怕耽误事，还有你也不知该从那天起保。
我当时也是有你同样的问题，后来律师建议先用Lender自己的Framework Insurance Broker，等Exchanged之后，直接就上Notice要求Cancel，当然必须付Penalty，这就得看这家保险的Penalty是多少钱。我们当时只需付12镑的Penalty，所以就毫不犹豫的取消了，换另一家公司的，记得这家保险公司也必须达到你Lender的要求。
先用Lender的有个好处就是因为现在比较急，怕耽误事，还有你也不知该从那天起保。
angel, 我说了咱们的状况太像了，
我刚刚给律师发了邮件，说明保险的事情。我还没有买，律师现在要我提供一个保险给他，我选了hsbc的，准备purchase了。
whap说得对，如果mortgage选了hsbc，最好insurance也选hsbc.
我的mortgage也是tracket，因为我们是两个人一起供，老公是account plus, 所以是base rate+0.89%.
咱们的进度差不多，我现在不着急complete, boiler的事情还没搞完，现在反而是seller崔着我们一个劲儿的要求提前complete.
我刚刚给律师发了邮件，说明保险的事情。我还没有买，律师现在要我提供一个保险给他，我选了hsbc的，准备purchase了。
whap说得对，如果mortgage选了hsbc，最好insurance也选hsbc.
我的mortgage也是tracket，因为我们是两个人一起供，老公是account plus, 所以是base rate+0.89%.
咱们的进度差不多，我现在不着急complete, boiler的事情还没搞完，现在反而是seller崔着我们一个劲儿的要求提前complete.
引用(Dove @ 9 Jun 2008, 11:51)
angel, 我说了咱们的状况太像了，
我刚刚给律师发了邮件，说明保险的事情。我还没有买，律师现在要我提供一个保险给他，我选了hsbc的，准备purchase了。
whap说得对，如果mortgage选了hsbc，最好insurance也选hsbc.
我的mortgage也是tracket，因为我们是两个人一起供，老公是account plus, 所以是base rate+0.89%.
咱们的进度差不多，我现在不着急complete, boiler的事情还没搞完，现在反而是seller崔着我们一个劲儿的要求提前complete.
我刚刚给律师发了邮件，说明保险的事情。我还没有买，律师现在要我提供一个保险给他，我选了hsbc的，准备purchase了。
whap说得对，如果mortgage选了hsbc，最好insurance也选hsbc.
我的mortgage也是tracket，因为我们是两个人一起供，老公是account plus, 所以是base rate+0.89%.
咱们的进度差不多，我现在不着急complete, boiler的事情还没搞完，现在反而是seller崔着我们一个劲儿的要求提前complete.
谢谢,我问了律师,有一份正式的quote就可以了，所以我用hsbc的quote，但是不买
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