多谢大家的指导
这两天看中了两间房子
地点都差不多
一个是三房，主人据说要去中东工作，没chain，房子才上市几天，开价264，950，房子非常新
一个是两房，房子在市场上将近一个月，有chain，据说曾经有过offer,没有做成，239，500，房子也不错
这两套，因为交通不是非常方便，所以这几年房价翻倍并不多。
自己查了一下，那个两房的，1996年的时候是165，000。
中介跟我说，第一个房子能还到25万左右，第二个房子大概是22.5万，也不知道她的话可信不？都说房子普遍跌了10% ，是否应该设个低点的target???但又怕把买卖搅糊了
这两个房子，都是有花园的
第一套的花园比较宽，但不长，40‘
第二套的花园稍微窄点，但是有60’，我看邻居有conservatory，不知道是不是以后也有机会加盖一个conservatory，增加房屋的价值呢？是否也需要planning permit呢？
那个两房的房子有个小问题，就是从一楼到二楼的楼梯是木头搭的(也不知道形容的对不对，因为家里有小孩，就怕会摔到小孩）
除此以外，这两套房子，我都很喜欢
但是因为是一个中介的，不知道能不能同时给两个offer呢？
如果讲价的话，哪个能讲下来多点？
应该坎多少呢？

Some of my thoughts:

A) Don't take what estate agents are saying for granted. They work for vendors to sell their houses and earn money from the sales so what they say depends on how they judge the situation in order to trick you to make offers. Of course it varies and some agents may well tell you 100% truth but stick to your own research, as you've done for finding out the previous prices and throw the evidences to the face of agents' and then see how they react. The more you play this game, the more you will find out estate agents are NOT your friend.

Always think of how resellable a house is, even if you have no plan to move in the near future. Things do change and when you come to the stage of reselling, you might regret your decision so better make a wise decision when buying. 3 bed is generally more expensive than 2 bed and in your case, I'd go for the 3 bed if your budget is not so tight and there is no other problem with the 3 bed as 30K is not a huge amount differietiating two properties. According to their prices, either the 2 bed is top-end or the 3 bed is at bottom or, one of them is over or under priced.

C) You of course can make 2 offers but don't do that just now. You can express your interests in both properties and show that strongly to the agent you are getting in touch. The purpose of that is to show you are a serious buyer and make the agent aware that you're going to make decision which creates a competition. At the end of day, you can only buy one property and the vendor of the other one will be disappointed. To avoid disappointment, the two vendors have to act quickly to win you. When you are buying, the worst case is someone else is also chasing the same property you are interested in, and the best case is more than one vendors want to sell house to you. If both properties are from same agency, you are in a great position to play this game and let them do something special for you.

And finally as you've concentrated your search to only 2 properties, this webpage may be quite helpful for you:

http://www.moneysavingexpert.com/mortgages/free-house-prices

有小宝宝，而且两房三房价格又没差很多，位置又差不多的话，应该考虑三房。

如果位置不一样，那要比较一下当地的学校质量，再考虑买哪个

同意LS, 2房3房价格差不多,不如考虑3房.

just read a news from bbc, it is says



is it realistic to ask a 20% discount of the asking price???!!!

any key points can be used in negociation???
I can only think things like "what they left" and " I am a first time buyer"
The decoration of the house looks very good, I am not sure what I should looks at in roder to find some "poor side".

You don't have to have any reason to put in a low offer. As long as you feel comfortable, you can simply call estate agent and say you'd like to offer how much. 20% less is too much to start from and may upset vendor, in my opinion if the property is in London. I'm not good at negotiating price so I'd start from around 10% and go as far as 6-7%. Of course you have to say you are first-time buyer and you have mortgage pre-arranged etc. etc. and you will be committed to get the purchase through asap.

刚才收到第一个房子的floor plan，发现她的后花园只有20‘，而那个两房的有60’
而且两房的那个，门口还有一小快花园
这样的话，是不是增加升值潜力？？？
如果以后加盖一个conservatory，卖的时候一般能多多少钱呢？

对了，还有一件事要跟大家请教的
前天去见了mortgage advisor
他说每查一次credit，credit就会降低，有这回事么？

我以前也听别人说过credit会降低，但是我当时查credit的时候，HSBC advisor也没说这些，就算降低也没办法，必要的程序。

请问怎么查credit?是免费的吗？我都不知道自己CREDIT多少分

My mortgage adviser told me to check credit free online(free for 30 days) at
http://www.experian.co.uk/

I have one late repayment for my credit card, will that affect my credit???
how significantly it is???

With regard to conservatory, you can check the price difference in the same area to see how much value is added by adding a conservatory.

For credit history, very frequent credit enquries in a very short span of time is bad. Don't worry about the late payment too much. The decision of lending mortgage is more than just a credit score in Experian (e.g. your profession, your earning, your banking history with the lender etc)

可以去Experian查，我当初查是2镑，都说是免费的，其实需要2镑。
Credit不是什么分数，是一份记录你6年内的所有申请，付费和所有你个人的相关纪录，这还包刮你室友的纪录（同地址的相关人的一些申请失败记录）。
每次申请东西时所谓的Credit Check，就是他们向这些Credit Agent要求你的以往Credit History，他们（总部相关部门）会在短时间内快速的过目很审核决定批不批你的申请，这就是为何他们每次都会拿起电话问一问后就会和你说过了还是失败了。不管成功地还是失败的都会纪录在这Credit History里供以后参阅。
Mortgage Advisor建议别做太多Credit Check就是这原因，只要你查一次它就记录在案，等你在第二家银行查的时候，他们就能查到其实你已经在另一家银行也同时正在申请着，所以以此类推。。。

不能说是不是会影响，可是一定会纪录在Payment那里而显示有Late Payment。
至于会不会影响以后的申请，这不一定，因为Credit Score并不是分数值的，只是份报告，他们会一他们（你所深情的机构）的标准来审核，决定批不批。
一个人如果从来也没欠钱过，每次都现金交易，干干净净的，也未必等于他的Credit很好，因为报告里的资料太少，对方没有参考的余地往往会被拒，一被拒，这就是一个很不好的记录了。

说个我自己的经历，几年前我做学生的时候，租了一个2房东的房子的一个卧室，我的房租是包bill的，结果那个2房东（中国人）长期不交gas, elec （那时候bill都是她签的）。导致能源公司多次写信，威胁要断电断气，我因此与那个2房东争吵过，后来索性自己搬走了，走的时候问真正的房东要了个证明，证明我几月几日搬出，已经付清房租和bill，退还押金等等。

2年后，我买了房子搬了家，突然某天收到能源british gas公司寄来的2年bill单（我搬出以后的2年），大概有将近1000英镑的bill，说我没有给那个原来那个房子交电气费用，我一生气打了客服电话，遇到 一个好心人，她让我扫描当年房东的证明信（我居然留着，派上大用场），结果我把扫描文件发给她后，还告诉她，我搬走后的2个住址，以及我以后付的电气账号（都是british gas的）等，她就很好心地向我道歉，说别人在我搬走后，把我名字放到了能源bill单上，并且取消了挂在我头上的所有debit。

天哪，回想起这件事，我真的觉得身边很多很多小人，特别一些中国人（人穷志短），也感慨英国的能源公司，比如水，电，气，council tax等，可以随便 报 别人的名字做户主，而且能源公司居然不核实，实在太没有信用度了。看到whap01的回复寥表一下感慨。。

惨了，照大家这样说
我昨天还申请了ASDA的credit card
（他们是不是也要查我的credit history?)
这样会不会影响我的credit???

他们肯定查了你的Credit History，而申请ASDA Credit Card的纪录也进入了History. 其实无所谓的，如果你申请成功，也会纪录在History内的，这样以后其他来查你的Credit History的就能多一项纪录来参考。