Recent content by uma.winter

The difference is €270 a month, or €3,240 over a year. One vacant month at the quoted asking rent would already cost more than that annual gap, before advertising, refurbishment or administration. I would therefore value retention highly and consider either no increase or a smaller lawful one...

Ask to see the audit history after a failed or repeated sync, not just after a clean update. A useful record distinguishes a user edit from an automated change and shows whether an error was retried. Otherwise support conversations become guesswork between two providers.

I wouldn’t allocate fixed percentages until you know your essential monthly spending. First ring-fence several months of mortgage and living costs, plus the first mortgage payment if it is not already in your closing calculation. Then set aside known moving costs, service charges and the...

That distinction helps. Assume it is for the buyer’s own occupancy and a mortgage is required. Would the practical sequence be to set an affordability ceiling first, inspect the unit-specific differences, then test the proposed offer against both comparable transactions and the financing...

For a Hong Kong apartment, what pricing evidence should a buyer request before negotiating? Recent transactions in the same building sound most relevant, but individual units can differ substantially. I’d also want to know whether the agent acts for one party or is dealing with both sides, and...

Every estimate should carry a preparation date and an expiry or reconfirmation point. Even without a formal expiry, you need to know which amounts must be checked again immediately before signing or payment.

A revised illustration has left me with a different question: when the payment difference is modest, how much should I value the ability to leave or move the loan? The purchase is around HK$6,474,000, and one offer is fixed at 3.37% for three years. Once the fee and the relevant loan-to-value...

Keep the two neighbourhoods completely separate and define their edges before collecting examples; crossing one busy road can produce a misleading comparison. For completed sales, match the address back to its old listing history where possible rather than relying on price per square metre...