看懂了，原来是多了一个附加的clause，如果要买的flat没有这个clause，是fixed ground rent，就应该没问题。
我看了一下我的律师给我的report，25年double一次，这个要紧吗？
The ground rent you have to pay will be reviewed after every 25 years and then after every subsequent 25 years, and is increased in accordance with the Lease as detailed. Please be aware that the ground rent is doubled every 25 years. This clause, which is quire rare is not liked by mortgage lenders and is deemed unfair. Some lenders are not lending on new leases with this clause.
银行会不给贷款吗？
https://www.facebook.com/groups/786983251448976
search for National Leasehold Campaign
Nationwide has announcement to stop giving out mortgage to these kind of property now.
我这个100年以后的ground rent 也只有 350 x 8 = 2800，不应该不给贷款吧
会给贷款的，银行不是很在乎你的ground rent.
http://www.nationwide.co.uk/about/media-centre-and-specialist-areas/media-centre/press-releases/archive/2017/5/05-protect-homeowners
http://www.telegraph.co.uk/personal-banking/mortgages/nationwide-stops-lending-leasehold-homes-punitive-ground-rents/
5th May 2017
Nationwide Building Society is taking steps to protect its mortgage members from onerous leasehold terms and escalating ground rents with a new valuation policy for new build leasehold properties.
The Society is the first major lender to impose fairer and more transparent lending conditions on these homes. For valuation purposes on all new mortgage applications on new build properties received from 11 May 2017, the minimum acceptable lease term on new build transactions (including office conversions) will be 125 years for flats and 250 years for houses.
In addition, the maximum acceptable starting ground rent on all new build leasehold properties will be limited to 0.1 per cent of the property’s value.
The ground rent must be reasonable at all times during the lease term, with unreasonable multipliers such as doubling every five, ten or fifteen years not allowed. Escalation should instead be linked to a verified index, such as the Retail Price Index. If the valuer believes the marketability of the property will be severely affected by unreasonable lease terms, they may decline the property, or reflect those terms in the valuation figure they provide to the lender.
Unfair leasehold terms and rapidly increasing ground rents have been the subject of much recent media, political and industry criticism, amid a drive to limit the practice of developers not only unnecessarily offering new build leasehold properties for sale but also in some cases the accompanying sale of those freeholds to third parties.
Robert Stevens, Head of Property Risk, Data and Strategy at Nationwide, said: “As a mutual building society that looks to protect its members, we have decided to make changes to the way we value new build properties on a leasehold basis. We are doing this to address the practice of using leasehold tenure where this is unnecessary, particularly for new build houses, and to ensure that onerous leasehold terms, including ground rents, are properly considered and controlled in order to safeguard our mortgage members.
“Nationwide is taking a proactive, leading position on this issue to address a significant risk facing our members and to challenge what we believe to be poor practice in the new build market.”
The changes are limited to new applications on new build transactions from 11 May 2017 and will not apply to properties being sold second hand. It will apply to both Nationwide and The Mortgage Works (TMW) mortgage applications.
好像现在只是限于新房 。。 不过 谁知道会不会 扩张到其他房子呢。
nationwide的条款，似乎不包括25年doubling, 算下来年利率是2.8%, 比通货膨胀稍高一点而已。
商业地产很多都是999年， pepper corn 一年10镑的， 之所以不卖free hold 是因为可以收管理费割草费，一年一二千。
对，所以俺现在计划买 ground rent 投资， 回报率相当好啊。而且他们买卖property 还得给俺上贡。。 哈哈哈哈
这事情其实还是有点问题的， 人一辈子就几十年， 靠grand rent 挣钱需要向天再借500年
商业地产不好贷款，暂时我不想考虑，还是民宅更受我欢心～
謝謝分享!
人家lease原本就是999年，要续也必须999年后续，续的时候地租也许就是0了。你的情况应该是lease快到期的例子。