2014年7月8日星期二

倫敦房價高漲使長程通勤更具吸引力

Posted on 上午12:17 by kenman man


2014年07月07日 18:46我有話說(0人參與) 來源:英中網

倫敦市區房產價格比英國其它地方的都要昂貴。工作者若住在辦公地點一小時火車以外的郊區,會比他們選擇市區的住宅平均節省38萬英鎊。
據Lloyds Banking Group研究,把家搬到距倫敦一小時車程的21個 鎮上,買房只要花平均26萬英鎊,而住在倫敦的1區或2區,則需要花64萬英鎊。其間的價格差比一張年費5000英鎊的火車季票要昂貴許多。最划算的居住 點是Northamptonshire的Wellingborough鎮,那裡的住宅均價為15萬英鎊,這個價格在倫敦北部的Holloway路只能買一 套單間公寓,在Knightsbridge只能買一間車庫。從Wellingborough鎮坐East Midlands Trains的火車到 St Pancras車站只要45分鐘,年花費6548英鎊,如果工作者有汽車,還能享受到該鎮至倫敦的優良公路網。
研究者查詢了地政局的房價數據來計算住在擁有良好通勤路線的首都周邊小鎮的房屋價格, 並把它們與倫敦市區的平均房產價格進行了比較。他們發現,即使是30分鐘車程,也能大幅度地削減買房所需的開銷。離倫敦半小時車程的通勤者居住帶,包括 Reading,Luton和Hatfield,其平均房價是28萬3千英鎊,比倫敦市區少了35萬8千英鎊。

2012年秋季Lloyds的調查顯示,當時住在1小時通勤圈可以節省30萬8000 英鎊,不過從那時起倫敦的房產價格開始狂飆。上週全國建築協會發佈的新數據顯示,倫敦房產價格已經比去年上浮了26%。與住在 Ealing,Brent Cross,West Ham和Wimbledon這些3區與6區的倫敦人相比,1小時通勤圈的工作者所付的房屋開銷仍要少許 多。外倫敦的平均房價為39萬4000英鎊,而1小時通勤圈的平均房價則會節省28%,約11萬英鎊。
幾年前,Wellingborough和周邊小鎮曾共同抵制地方開發機構將它們合併為 North Londonshire的計劃。當地房產開發商Jenny Pendered說,她在做房產銷售的時候著力渲染此鎮周邊良好的交通條件。她 說,在Wellingborough花15萬英鎊,購買者可以得到一套獨立三居室、或半獨立的新建住宅,這些住宅通常是維多利亞式建築,開價9萬至12萬 5千英鎊不等,視離車站距離遠近而定。她表示,宣傳手冊上強調這些住宅距St Pancras車站只有50分鐘,目前這些住宅銷售良好。
另一家當地房產開發商William Hbrown的區域經理 Andrew Wright說他最近剛剛為從倫敦搬來的一家人選定了一套帶草坪的四居室,售價37萬5千英鎊。他表示,Northamptonshire 在歷史上是製鞋業的區域,住在當地的大多是藍領工人,而非有錢人的後代,因此房價一向便宜。
不過,變賣首都的資產,換取Wellingborough的廉價住宅,並非對所有人都適用。另一家開發商就表示,該鎮「缺乏魅力」,潛在的購買者常常看看就走,決定在其它地方挑選住處。但Wright表示這塊區域正在吸引投資,對火車站進行改建,這可能會吸引更多的人。
除此之外,Kettering,Peterborough,Luton和Basidon是另外四個最划算的小鎮,他們離倫敦市區有70分鐘車程,這些地方的平均房價是17萬4千英鎊。
Lloyds的抵押貸款主任Marc Page認為,住得越遠越便宜,對倫敦而言,即使把交通費算進去,也還是如此。但生活品質對很多人同樣重要,因此,在購房時,需要就房產類型、學校、環境以及交通時間等各種因素進行綜合取捨。

 http://www.theguardian.com/money/2014/jul/05/london-soaring-house-prices-make-long-commute-cost-effective


London's soaring house prices make a long commute a little more attractive

With a house in Wellingborough the same price as a garage in Knightsbridge, living an hour from work can save you £380,000
commuter belt: kettering
Towns such as Kettering offer more affordable housing for London's workers. Photograph: chrisgeorgetheestateagent.co.uk
London property prices are racing away from the rest of the country at such speed that an hour-long train journey to the office saves workers in the capital an average of £380,000 on the price of a home.
Moving to one of 21 towns within an hour's commute of London can cut the cost of buying a property to an average of £260,000, according to research by Lloyds Banking Group, compared with £641,000 in London transport zones 1 and 2. That price difference more than offsets the typical £5,000-a-year cost of a season ticket.
The most cost-effective commuter town is Wellingborough in Northamptonshire, where homes sell for an average of £150,000 – the price of a studio flat on Holloway Road in north London or a garage in Knightsbridge. The town is 45 minutes from St Pancras on East Midlands Trains, at a cost of £6,548 a year, and boasts good road links for workers who want to get to work by car.
Researchers looked at Land Registry house prices to calculate the average cost of a home in towns with good train links to the capital, and then compared them with the average property values in central London (PDF).
commuter towns Click on the graphic to reveal commuter cost-savings They found that even a 30-minute commute can result in a big cash saving on the cost of buying a home. The average cost of property in 16 towns in the half-hour commuter belt – including Reading, Luton and Hatfield – was £283,000, or £358,000 less than in central London.
When Lloyds last did the survey in the autumn of 2012, the savings from living an hour outside London were £308,000, but since then London prices have accelerated rapidly. New data from Nationwide building society last week showed London prices have soared 26% in the past year.
Commuters travelling in from outside the capital also pay substantially less than Londoners living in zones 3-6, which include areas such as Ealing, Brent Cross, West Ham and Wimbledon. A half-hour train journey means an average home will cost 28% less – some £110,000 – than the £394,000 average in outer London.
Several years ago Wellingborough and surrounding towns resisted the local development agency's bid to rebrand it North Londonshire but local estate agent Jenny Pendered said she made the most of its good transport links when marketing properties. "We sell to a lot of commuters – we make a feature of it in our brochures that we are only 50 minutes on the train from St Pancras," she said.
For £150,000 in Wellingborough, she said, buyers could get a detached three-bedroom property or a semi-detached new-build. "Typically Victorian terraces go for between £90,000 and £125,000 depending on their condition – that's what you get near the station."
Andrew Wright, area manager at another local estate agent, William H Brown, said: "You can see a steady stream of people going to the station every morning." Wright said he had recently shown a family moving from London around a four-bedroom house with a paddock, on sale for £375,000. "Northamptonshire has a history as a shoemaking area. I think it's still cheap because it has a blue-collar rather than a blue-chip heritage."
Selling up in the capital to cash in on a Wellingborough bargain home, however, doesn't appeal to all. Another agent said the town "doesn't offer a lot in terms of glamour" and that prospective buyers who look round often decide to live elsewhere.
However, Wright says investment is coming to the area, with the planned redevelopment of the station among improvements that might attract more people.
Kettering, Peterborough, Luton and Basildon are also in the top five most cost-effective towns within a 70-minute commute to central London. In each of these towns the cost of an average home was less than £174,000.
Marc Page, mortgages director at Lloyds, said: "It's no surprise, for London at least, that the further you commute, the more you save financially – even after travelling costs. However, quality of life is just as important a consideration for most and therefore trade-offs between type of property, schools, environment and time spent commuting all need to be weighed up carefully."

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