本帖最后由 LiLaC52 于 2018-10-11 19:12 编辑
在地铁站一公里内买one bed flat贷款需要多少年收入？这张地铁图有答案。
Buying in London? Here’s what you need to earn
We’ve created a map to show how much you need to earn to get a mortgage on a home across London Underground, Overground, and DLR stations. To no one’s surprise, a lot of places are out of reach for many. But, there may be a small glimmer of hope for those determined to buy in London.
It’s not unusual for people to move outside London to find affordable homes. For many, finding the perfect commuter hotspot is essential for getting on the property ladder — and, in some cases, their only viable option.
The ardent city dwellers among you, though, might balk at the thought of leaving the capital, desperate to make London your forever home. But, how realistic is it to spend the rest of your days in the Big Smoke?
The numbers bit
We’ve been crunching a lot of numbers behind the scenes to give you the figures on our Tube map. So, how did we work it out?
We took the median house price of one-bedroom properties currently available within one kilometre of each station, and assumed a deposit of 10%. Then, we worked out the monthly repayment on the mortgage you’d need over 25 years. Of your total net earnings, 40% would go on the mortgage repayment. This is because tenants in London spend nearly 49% of their income on rent.
We then worked backwards to calculate how much tax and national insurance you’d pay — considering all tax bands — to arrive at the gross salary you’d need to afford a mortgage on a property in that area.
The 10 least-expensive stations
If you’re determined to buy in London, you need to head east for the most affordable areas: eight out of the 10 cheapest places are in east London, with stations on either the District or Central line.
Redbridge and Newbury Park take joint first place. Here, you need a salary of £17,400 to get on the property ladder, and since the average UK wage is £22,400, these locations are certainly an attainable option for many. The median price of a one-bedroom flat here is £135,000.
If east London doesn’t take your fancy, your only other options are one location in north London, and one location in north west London: Oakwood on the Piccadilly line, which takes third place, and Croxley on the Metropolitan line, which takes fifth.
The median house prices here are £137,000 and £185,000 respectively, and need salaries of £17,600 and £25,500.
Line Station Salary Property Value Area
Central Newbury Park £17,400 £135,000 East
Central Redbridge £17,400 £135,000 East
Piccadilly Oakwood £17,600 £137,000 North
District Upney £22,300 £165,000 East
Metropolitan Croxley £25,500 £185,000 North west
Central Chigwell £26,400 £190,000 East
District Hornchurch £26,400 £190,000 East
Central Wanstead £27,300 £195,000 East
District Dagenham East £27,300 £195,000 East
District Dagenham Heathway £28,000 £200,000 East
Keep in mind that although the two cheapest areas have direct links to central London, residents of Redbridge and Newbury Park still have to travel for approximately 29 and 34 minutes on the Central Line to get there.
If your heart isn’t truly set on buying in London, you might benefit elsewhere. For example, Waltham Cross, Cheshunt, and Gravesend — all locations outside of the capital — have shorter journey times into central London.
The 10 most-expensive stations
No prizes if you guessed correctly that Knightsbridge on the Piccadilly line takes the top spot for most-expensive station. It lives in the Royal Borough of Kensington and Chelsea, which is one of the most affluent areas in London. To get a mortgage for a property here you need to be earning £248,600.
Following close behind is Hyde Park Corner, another Piccadilly line station, which lives in the City of Westminster. That’s the same borough as Buckingham Palace, the Houses of Parliament, and 10 Downing Street. You’ll need an annual income of £230,000 if you fancy being neighbours with the Queen and the Prime Minister.
For perspective, the Prime Minister earns approximately £150,000, meaning the leader of the United Kingdom would be priced out of living at Hyde Park Corner. In fact, the Prime Minister would be priced out of living near all of the 10 most-expensive stations. See the full list below.
Line Station Salary Property Value Area
Northern Moorgate £158,700 £838,000 Central
Circle District Cannon Street £162,300 £844,000 Central
Northern Central Bank £165,300 £861,000 Central
Central Bank £165,500 £875,000 Central
Circle District Blackfriars £168,000 £888,000 Central
Central St. Paul's £170,900 £901,000 Central
Central Jubilee Bond Street £173,400 £913,000 Central
Circle District Mansion House £176,100 £926,000 Central
Piccadilly Hyde Park Corner £230,000 £1,180,000 Central
Piccadilly Knightsbridge £248,600 £1,267,000 Central
Average on each line
Even though there are some stations where buying a home is affordable, this is largely due to their distance from central London. Yes, that means you won’t be living somewhere with Westfield, The Shard, or Trafalgar Square on your doorstep.
The truth is, for most of the stations, you’d need a salary way above the national average to make them affordable. Many would be priced out on averages alone.
Recent data from HMRC says those with incomes over £70,000 are among the top 5% of earners. For 10 out of the 12 lines, then, you’d need to be in the top 5% to afford a home in one of these areas. See the average for each line below.
H & C £91,152
So, who can afford to buy in London, then?
It’s no secret: some jobs pay better than others. So, we’ve looked at average London salaries for an array of different industries, to see what professions give buyers the most choice when it comes to finding a London home.
make just over £28,000, meaning they can only afford to live near 2% of all London Underground, Overground, and DLR stations.
earn £30,000, and would benefit most from teaching in east London. Eight out of 10 affordable locations are based there: Newbury Park, Redbridge, Upney, Chigwell, Hornchurch, Wanstead, Dagenham East, and Dagenham Heathway.
earn nearly £31,000. They have the same options as teachers, with the added option of Becontree.
s earn almost £25,000. They would need to drive all the way to Upney, Oakwood, Redbridge, or Newbury Park to afford a London home.
earn about £41,500, which means they can afford to live near 15% of all London stations.
make £45,000, which could get them a mortgage on a property near 22% of all stations.
earn just over £16,000, pricing them out of buying a home in London entirely.
earn close to £134,000. This means they can afford the average mortgage across all stations — except for Circle line. They can afford to live by 84% of all London stations.
earn just over £20,000 — a couple of thousand shy of the average UK salary. This limits their buying potential in London to Redbridge or Newbury Park stations. Otherwise, they could spend their dough on a place in Oakwood, the penultimate stop on the Piccadilly line.
earn just over £40,000, which means they can afford to live near 10% of all London Underground, Overground, and DLR stations. But, their jobs are likely to be based around Old Street, owing to its prominence of technology companies. Old Street is based on the Northern line, and only two affordable stations (Morden and High Barnet) have direct connections there.
I never take anything seriously, don't ask me any serious question。Life is too short, play more! Oscar Wilde: “What is a cynic? A man who knows the price of everything and the value of nothing.”