请问大家有在苏格兰买房的吗? 我是FIRST TIME BUYER, 有几个问题想请教大家, 有经验的请指点一二:
1. 和英格兰不同, 苏格兰的房子的ASKING PRICE基本上都是标着"OFFER OVER" OR "FIXED". 听MORTGAGE ADVISOR 讲, 自己也上网查了一下, OFFER OVER的意思就是比如房子广告写着100K, 那么实际最后买家付的要在100K的基础上加10%-15%, 更有变态的房子标的低, 可是EXPECT TO INCREASE 20% IN PRICE. 由于用的是一种SEALED BID SYSTEM, 不管有几个买家, 相互都是不知道对方下的OFFER的, 所以卖家最后会挑最高的BID来接受. 在英格兰大家好像都能把标的价格往下砍, 可是苏格兰正相反, 是往上升的. 而且苏格兰买方的法律比较严格, 如果OFFER被卖方接受了, 买方就必须得买, 所以下OFFER是不敢随便下的. 关于下OFFER, 一点经验都没有, 所以非常的忐忑不安, 尤其是这15%的ASKING PRICE INCREASE, 真的会涨那么多吗. 不知道怎么叫做下底了或下高了, 万一被ACCEPT了, 想BACK OUT都来不及了. 请在苏格兰买过房的朋友指点迷浸, 感激不尽!

下面是从网上贴的一些苏格兰买房的程序:

Buying a house in Scotland is slightly different from buying a house in other parts of the UK. It's not particularly complicated, and buying north of the border can often be quicker, but for those relocating from England and Wales there are a number of points you need to bear in mind.

Agreement in principle

Before you begin house-hunting in Scotland you need to have an agreement in principle for your mortgage. An agreement in principle takes the form of confirmation from your lender that, subject to various conditions, they are prepared to give you a mortgage up to a certain amount. This amount will be based on your income in much the same way as it is in the rest of the UK. Without an agreement in principle in place, any offers you make on properties are unlikely to be taken very seriously.

Sealed bids

In England and Wales, houses are normally advertised at a given price and the vendor accepts that he may well have to settle for a price that is lower than the original asking price. Under the Scottish system, the vendor sets a price and invites offers in excess of this via a sealed bids system. Although this type of secret bidding is sometimes seen in the rest of the UK, it is normally only in cases where the property is particularly expensive or desirable.

Commitment

When you buy a house in Scotland, if your offer is accepted, you are immediately under an obligation to buy that property. This is why an agreement in principle is required before you go house-hunting. By contrast, in England and Wales, you can pull out of buying the property without penalty up until the time when contracts are exchanged.

Solicitors

Because of the earlier commitment to buy, solicitors play a much greater role in the buying and selling of homes in Scotland. In many cases the solicitor will act as the selling agent for a property rather than an estate agent.

The actual house-hunting process in Scotland is much the same as anywhere else. But don't forget, when you are looking at properties, that the advertised price is the minimum you will have to pay, and is not a starting point for bargaining downwards.

As a buyer, you will need to appoint a solicitor before, or as soon as, you see a property you want to make an offer on. Once you are ready to make an offer, your solicitor will contact the selling agent and ask them to "note interest".

现在在苏格兰15%的offer over已经不太够了，一些好的的地段至少要offer over 20%到40%。相比英格兰的法律苏格兰对卖家有利。不过话又说回来现在这个房价高涨的年代，在英格兰pull out的往往是卖房子的而不是买房子的，所以以这个角度来看苏格兰慢慢的变得有优势起来。

estate agent会在你下offer前给你建议这一区通常要offer over多少的。该区房价也可以从网上查到，下offer之前做好细致的准备就不会吃亏。

记得前些日子看过的一个电视节目，一对夫妻看好了一间房子却因为没有给出最高价格而没有买到。然后他们就去找中介帮忙，以后在每次看房子的时候，都请中介帮他们预测房子应付的价格，最后买到了合意的房子。

我不知道这是不是中介的宣传，但是至少找找懂行的人估计房子的预售价格还是很有必要的。

中介应该没错，因为他们经手了很多该地区的房子，他们会清楚该区的行情，比如要加个百分之几之类的，他们的建议比我们瞎猜会准确很多。

是啊, 我也知道现在好多房子都OFFER OVER 20%了, AGENT 的意见肯定是要参考的, 可是话说回来了, 他是为卖方服务的, 肯定要从卖方的角度考虑, 尽量把价往高了提. 还有谁的意见能参考呢, 比较中立的? INDEPENDENT MORTGAGE ADVISOR行不? 他们能帮着据测价格吗

理论来讲是这样的，但是抬得太高如果买家放弃的话他们就什么也得不到了。而且他们也收到第三方的regulator的约束。但不管怎么样，买房不是儿戏，下offer之前除了agent的suggestion之外自己心里也得有个谱。多看，多问，勤上网是王道。

你好
我在苏格兰买的房子,我的房子当初就是有4-5家要买,是多交了200镑竟价才买到.比开价高出6500镑.所以现在想买比开价高15%-20%是不可能的.除非你看的房子没有人出价.和我条件位置大小的房子只是装修好的就贵15000到10000.这里的房子挂出牌子2个月之内肯定可以卖出.可是当初我的房子是空了最少6个月才卖出的.还那么牛.买房子之前一定要多看,最好买还在住人的房子,这样就知道那些设施有问题.窗户是否双层,取暖是电还是煤气,这些都很重要,也影响房子的价格.还有许多问题.我有时间再聊.