倫敦市中心 rental yield 是 4.5%。如果在香港新加坡貸款，利息是1%。亞洲貨幣對英鎊已經大大升值，現在貸款可以賺兌換率差價。將來英鎊升值加房子升值再賣，換回亞洲貨幣，加上專利息差，總共可以賺四次。
根據Knight Frank 預測，倫敦兩個區增長最快：
1.City of London and eastern fringe
Current value: £800 - £1,000 sq ft*
2016 forecast: £1,750 - £2,000 sq ft
118% rise
2.Nine Elms
Current value: £750 sq ft
2016 forecast: £1,800 sq ft
140% rise
London hotspots
Residential development opportunity areas by Knight Frank
倫敦房地產45%是被亞洲投資者買走，都是這樣貸款
More wealthy S'poreans investing in London property: bankers
By Stella Lee | Posted: 15 March 2011 2354 hrs
SINGAPORE: More of Singapore's affluent are looking to buy properties
in global cities like London, to take advantage of the strengthening
Singapore dollar which has gained against overseas currencies such as
the UK pound, said bankers.
The Singapore dollar has risen
more than 25 per cent against the British pound since the collaspe of
Lehman Brothers in September 2008.
In August 2010, local bank
OCBC allowed its high-net worth customers to take out Sing dollar- or
pound-denominated loans on London property.
OCBC said loan
volumes for London homes doubled in the last quarter of 2010, compared
with the first three months after the launch of the financing scheme.
The bank will also roll out similar schemes for property markets in Australia and the US.
"London
is still deemed as an aspirational city, by the world's wealthiest,
richest families and as an investment target or city it is really quite
attractive because of its stability," said Ms Phang Lah Hwa, head of
Consumer Secured Lending at OCBC Bank.
"As investment target or city it is really quite attractive because of its stability", added Ms Phang.
- CNA/cc/wk
Home buyers in Singapore are taking advantage of mortgage rates that
are at an all-time low despite record-high housing prices, said a Bloomberg report.
For
instance, Shivram Anantharaman, a private banker at ICICI Bank Ltd,
used to pay a monthly rent of S$2,650 until March. Now, he’s paying just
S$2,610 per month for the mortgage of the three-bedroom condo he
bought.
“The clincher in Singapore is that monthly installments
toward repayment of your loan are lower than what you would pay in
rent,” said Anantharaman, who took out a S$1.04 million loan for his
S$1.3 million property.
“It’s one of the few countries in the world where that is possible,” because of low interest rates, stated Anantharaman.
Housing
affordability has climbed to its highest level in a decade due to
flexible payment options offered to buyers and historically low interest
rates, according to Jefferies Group Inc.
Maybank Kim Eng said average mortgage rates are 70 basis points above the Singapore Interbank Offered Rate (Sibor).
Data compiled by Bloomberg shows that the three-month Sibor is less than 0.4 percent compared to its peak of 3.56 percent in 2006.
The
interest rate of Anantharaman’s 40-year mortgage is 55 basis points
over Sibor, which translates to a home loan rate of less than one
percent.
Sanjay Sain, an analyst at Credit Suisse Group AG, said Singapore’s mortgage rates
are the lowest in the region, followed by Hong Kong. Meanwhile,
Barclays Plc. noted that the average mortgage rate in Hong Kong is
around 2.15 percent while China stands at 7.43 percent.
