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April 28, 2005
Offline
So, it's Thursday and I'm taking Friday off and Monday is a holiday, just perfect timing for exchange of contracts (UK way of saying 'getting the keys') for a small apartment I bought about 2 miles from where I live now and move all weekend.
I decided to grab a cheap-ish 2 bed/bath room apartment to get my foot in the market over in the UK since I'm tired throwing a rather large sum of pounds to the landlord every month. As with all UK-buys, I do not know how it will go with such a pre-election and fluxuating property market country but I've tried to cover myself on all the bases I could to make sure value "should" increase over time.
As a no-credit-worthyness-new-person-in-the-country it was quite a interesting buy vs. what I had to go through in South Africa, basically, since nobody will give you a 100% loan (which first time buyers in SA normally would get) you're stuck on having to buy something and come up with 5% of the money (ie. 95% loan), thats only the loan, then you are talking stamp duty, solicitor (lawyer) fees, etc. It can be pretty expensive and you're looking at needing at least £15k in the bank before you can really go see the bank about it. If you are here indefinitely, and been here for some time it seems like you can get 100% easier, although it is still a difficult process.
So, eitherway, I've opted to go for a new build, which generally around here means they will pay the 5% deposit (of a 95% loan) + stamp duty, etc. So in the end you just pay some odds and ends and the solicitors fees, around £4k alltogether will set you off nicely.
If all goes well and if the damn health & safety inspection passes I will get the keys to my new place sometime tomorrow afternoon (: And then I can start enjoying the fun of moving.
Of course just as I wanted to take some more pictures with my 'ol EOS 300D I noticed my camera will not power on at all, it just sits blankly as if there is no batteries in it. I've changed/charged batteries to no avail, I've decided to wait until I've moved before sending in my camera to have it looked at so I'm ridiculously-downgrading to my old HP C30 (1MP) camera (jipee!), that is no doubt going to be lots of fun.
I've tried to organise with BT my new phoneline today and they can only send out a engineer on the 13th of May! I've also contacted my ISP who tried to get my broadband done on the same day but unfortunately nobody in the new development has asked for ADSL yet so they need to come out and line-test it etc. which takes another 5-7 working days after that. So - looks like I'm not going to have access to a phoneline or ADSL any time soon. ):
Eitherway, I'm looking forward to moving into my pad and have my own little nest on this island. I've taken some pictures over the past few weeks and cannot wait to see it completed.
Posted by fbotha at April 28, 2005 03:03 PM
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