External Influences Getting on the property ladder
External Influences Getting onto the property ladder Step 1 Find your dream property 1. Click on the image above to go to Rightmove.co.uk. 2. Enter the area youd like to live, then enter the particular details (number of bedrooms etc) 3. If you want to live abroad, click Overseas on the top-right-hand side Note: by all means take a look at the 20m mansions, but chose one under 1m or else it is difficult to find a mortgage!
The House Price Location Number of bedrooms Best features Insert at least 3 photos below Step 2 Arrange a Mortgage
1. Click on the image above to go to a Mortgage Comparison site 2. Enter the price of the property and how much you wish to borrow (assume you have a 10% deposit and dont go over 1m!) 3. For Total mortgage term in years, select 30 4. Choose between a Fixed or Variable Mortgage 5. Pick the best mortgage, taking note of the additional set-up fees 6. Make note of the total amount payable at the bottom of each mortgage The Mortgage Introductory Interest rate
(if applicable) Interest rate after introductory offer Fixed or Variable? Which did you choose and why? Set-up fees Monthly repayments Total amount payable Using this link, what Monthly Repayment:
would happen to monthly repayments and Total Amount Payable: total amount payable if interest rates were 5% higher? Taxes In addition to the many other costs involved when buying a house, the largest is usually a tax called Stamp Duty. Check the table below and work out the Stamp Duty for your property.
House Price Rate Amount Payable What are the advantages and disadvantages of high and low tax rates? House prices and wages 1. If we assume that whatever your mortgage is, youll pay the same in bills and utilities,
what will be your total outgoings per month? 2. To ensure you can pay for all of this, plus have some disposable income, how much would you have to earn per year? Remember to account for income tax! 3. What job will give you this kind of income? House Prices Over Time
1. Work out the percentage increase in average house prices from Q1 2000 Q1 2015 2. Apply this to your house and predict its value for 15 years time 3. Work out the percentage decrease from Q3 2007 Q1 2009 4. Apply this to your house and predict its value for 2 years time House Prices & GDP 1. Give a fully developed reason as to why the economy is so dependent on house sales.
Question time Write down at least 5 questions you have about house buying and macroeconomics 1. 2. 3. 4. 5. 6. 7. 8.
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