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  • 成龙大哥(我爱我家版主)
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    2018-10-11 19:04 (1楼)
    2018-10-11 19:04
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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/assets/images/mortgages/totallymoney-tube-salary-infographic.pdf

    最便宜十个地铁站



    最贵十个地铁站



    地铁线平均房价





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

    https://www.totallymoney.com/mortgages/how-much-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.
    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.”
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    2018-10-11 20:05 (2楼)
    2018-10-11 20:05
    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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    2018-10-11 20:37 (3楼)
    2018-10-11 20:37
    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。
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    2018-10-11 21:55 (4楼)
    2018-10-11 21:55
    普遍伦敦东边便宜
    长期出售燕窝,鲍鱼,冰岛海参,花胶,干贝等http://www.hongfangzi.co.uk 微信 hongfangziuk
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    2018-10-11 22:11 (5楼)
    2018-10-11 22:11
    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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    2018-10-11 22:19 (6楼)
    2018-10-11 22:19
    我勒个擦,我把Wanstead 给看成 Hampstead了……
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    2018-10-11 22:38 (7楼)
    2018-10-11 22:38
    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
    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.”
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    2018-10-11 22:39 (8楼)
    2018-10-11 22:39
    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。
    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.”
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    2018-10-11 22:41 (9楼)
    2018-10-11 22:41
    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?
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    2018-10-11 22:52 (10楼)
    2018-10-11 22:52
    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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