最近看中一个maisonette,freehold.我问了vender,他对产权的描述如下
It’s a free hold property so there is no ground rent attached to the property, in fact the ground floor is on lease to the person living downstairs and he pays very minimum ground rent to the first floor apartment.
I had the insurance for both the whole property and building as the building belong to the first floor owner. so in theory the owner has to insure the property.
对房子本身，印象还可以。但因为我没有见过这样的情形，感觉有点节外生枝。其一，不知道会不会影响first time buyer的免税，因为它挂着楼下的lease;其二，google上说freehold flat会影响贷款，不清楚会不会发生在这个flat， 以后resell出问题。
请问诸位有见到这类房子的经验么。