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[选房看房] 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。

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成龙大哥(我爱我家版主)

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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。
https://www.totallymoney.com/ass ... ary-infographic.pdf

最便宜十个地铁站

10_Cheap.jpg

最贵十个地铁站

10_expensive.jpg

地铁线平均房价

10_lines.jpg



Buying in London? Here’s what you need to earn

https://www.totallymoney.com/mor ... -salary-buy-london/
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.

Simple, right?

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.

Station         Salary
Bakerloo         £91,620
Central         £72,700
Circle         £160,066
District         £85,568
DLR         £66,165
H & C         £91,152
Jubilee         £81,981
Metropolitan         £70,074
Northern         £84,914
Overground         £64,219
Piccadilly         £74,504
Victoria         £94,850

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.

Nurses make just over £28,000, meaning they can only afford to live near 2% of all London Underground, Overground, and DLR stations.

Teachers 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.

Firefighters earn nearly £31,000. They have the same options as teachers, with the added option of Becontree.

Bus Drivers earn almost £25,000. They would need to drive all the way to Upney, Oakwood, Redbridge, or Newbury Park to afford a London home.

Journalists earn about £41,500, which means they can afford to live near 15% of all London stations.

Marketing Managers make £45,000, which could get them a mortgage on a property near 22% of all stations.

Sales Assistants earn just over £16,000, pricing them out of buying a home in London entirely.

CEOs 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.

Chefs 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.

Front-End Developers 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.
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英国移民签证版主

发表于 6 天前 | 显示全部楼层
metropolitan平均最便宜是因为线路最长,都zone 9了,黄线贵是因为整个身子在一区就把一点儿尾巴伸到二区而且还是西二区
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苹果园艺协会会长

Rank: 6Rank: 6Rank: 6Rank: 6Rank: 6Rank: 6

发表于 6 天前 | 显示全部楼层
为什么地铁不往南修。我们南方人等着下一代可以坐上地铁啊。
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乘风破浪♥夏夏♥(版主)

发表于 6 天前 | 显示全部楼层
普遍伦敦东边便宜
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科长

Rank: 6Rank: 6Rank: 6Rank: 6Rank: 6Rank: 6

发表于 6 天前 | 显示全部楼层
pocketman 发表于 2018-10-11 12:37
为什么地铁不往南修。我们南方人等着下一代可以坐上地铁啊。

因为伦敦城南的地质构造都是死硬的大石头.....挖掘机一铲子下去,才挖出一个樱桃大小的口子。。。所以咋修地铁...修不了啊大哥
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科长

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发表于 6 天前 | 显示全部楼层
我勒个擦,我把Wanstead 给看成 Hampstead了……
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成龙大哥(我爱我家版主)

 楼主| 发表于 6 天前 | 显示全部楼层
GoChelsea 发表于 2018-10-11 22:19
我勒个擦,我把Wanstead 给看成 Hampstead了……

没有把Uxbridge看成Knightsbridge 就行
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成龙大哥(我爱我家版主)

 楼主| 发表于 6 天前 | 显示全部楼层
GoChelsea 发表于 2018-10-11 22:11


因为伦敦城南的地质构造都是死硬的大石头.....挖掘机一铲子下去,才挖出一个樱桃大小的口子...

挖不了地铁可以修轻轨啊,再说伦敦的地铁很多地段都是地上跑啊。
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铁帽子王

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发表于 6 天前 | 显示全部楼层
不太熟悉伦敦区域位置,那距离那几个著名大学最方便的是那个站?
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科长

Rank: 6Rank: 6Rank: 6Rank: 6Rank: 6Rank: 6

发表于 6 天前 | 显示全部楼层
superqian 发表于 2018-10-11 14:41
不太熟悉伦敦区域位置,那距离那几个著名大学最方便的是那个站?

那就是South Kensington了吧
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