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Hello everyone

And welcome to britain under the microscope

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Hello

Today we're going to be

Be doing

Britain under the microscope

But we're going to be doing

It a little bit differently as we normally do it

There have been some requests about natural speed

English

And how do english speak

Ers actually sound like how do they speak

When they're talking with friends or family

So in terms of the speed in which we're speaking at

And also the type of language that we're use in

So today we're going to be have a conversation based on our episode on housing in the uk

Some of the words that we're gonna be in

You are going to be in

That show if you find this episode a little bit too difficot

It's a good idea

Just to go back

And review the original britain under the moscow episode

Okay

So are you ready

I'm ready

Here we go

So unlike

You were talking about

You had originally

You had plans to get a foot under property letter possibly buying a place in london

Yeah

It's still my dream at the moment

I'm working on

Looking at getting a mortgage

Um lot my friends

I can't afford to buy a place

But now i'm reach in that stage

That i can start thinking about getting a mortgage

I can start thinking about having a house or a flat in the area

In which i was born

No

That's nice

So

But that's art

Thinking right

Yeah

It is quite expensive

Yeah

What is the downpayment that you need to put down in china

We have to put down quite aa large sum of money

Alarm sum of money

Yeah

In britain

It depends the government are trying to encourage first time yas to put down a peraller downpayment

So you can still buy a place with only a five percent down payment

So five percent downpayment

So well that will mean years of mortgage payment

Pretty much

Yeah Well

How many years are you thinking about

Taking out i'm thinking about having maybe a twenty five year mortgage twenty five years is not too bad

No so what is

Is a limmit maxxmum m of that you can take

Take not too much

It really depends on the bank

So for example

It depends on your age

As well i mean my early thirty

So it's not too difficult to get a mortgage

Um was still pretty young um h hops by the uk standard ard by uk standards

But chchinestandards your kind of older

Well absolutely

That's because in the uk many young people or kind of people my age

I don't know

I'm

I still a young person

Uh I'm

I'm not sure

Yeah

You're okay

I'm okay

Ay ah

That's

That's the main thing

Thing so so what about people your age at your mates are they home owners or are they renting

Are they living with their parents so situation yeah

A bit of a mix back

A bit of the inrenting

And they all live in london

So they have to pay really high rents

And it's very common to pay maybe eight hundred to a thousand pounds a month in renent

Yeah

But that's

That's is not worth

It because you think about it's not really

That exexpensive compared with rent

Rent not not that difficult

Buy

Buy not not bad

Expensive

Yeah

It's still difficult

It

It is because even getting down payment is quite expensive

Because in longer the cost of living is so so how are you ying

Ying

People don't

Don't have that amount t sasaings

No No

Really

Really

Actually

I watched the show earlier

Watch the street interview

I believe that the english people on average our age probably only safe about five to ten percent of their animal of their monthly earnings

Well we have pretty much um that doesn't surprise me in slighters

Because in the uk is to say the cost

Cost living is so high

Young people

People they do take holidays

They do want to enjoy life

Especially

Now that many young people just they feel that they're never going to get on the property letter

They'never never going to actually on how so they much will enjoy the money

So they sort of given up pretty much

Yeah

Can they not get anything from bank

Mommy and daddy a lot people do um

If you think about the previous generation

When the housing voice was quite low

It was easy to get a mortgage

Many older people in the uk

The they agof forty

Forty sixties they owned

Own homes

They had a lot of incentives

Well they did with the right to buy in the nineteen eighty in the right to scheme was that council housing

If you lived ved in the council house for very long time

And you paid went to the government

Then you could actually buy a house at a much lower rate

And many people to advantage that

And also in china

There's a huge difference between different regions

A housing priprice can be extremely different

What about in the uk

Oh

Absolutely if you're looking at the southeast of england

And it's very expensive to buy a house eally in london

London is just ridiculously expensive

I guess that's where all the money all the rich people go well

And it's also where the jobs are um

The problem with london

And the problem with the uk is only one center a finance of government

It's all in central london

I had um at a friend a schoolmate who bought a place in central london near blooomspare

Oh Yeah

Yeah Yeah

So he paid

I think it's a new build um

And it's a flat

Two bedroom flat probably

Let's probably about eighty to ninety square meters

And he paid about over one million pound

Yeah

That i can believe

But if you go to other parts of the uk

So maybe for example whales or northering england a million pounds

You can get a five six bedroom house

A matter house almost prety ty much can get a country

Country or so something similar to that

So ii heard is about doubling

Almost doubling the price

Yeah

It depends on the location germany

The south of england is very expensive

And also some areas ous scotland is quite expensive as well

Yeah

Any of your friends luckenouough inherit their parents or grandparents

Houses well we were talking about that before earmyeah

Some of them have

And some of problem is that the inheritance tax is too high

It's too high now

And for example in uk

For the hhundred in houses well of them have to pay inhiltenantatax now

If you consider that in london

That the property prices gone up so high

Most of the houses are probably over

Yeah

They're over that so very ordinary people they'll been put into the same category as milliair

Yes Yeah

That doesn't sound really fair as it well

No people being talking about change in the law

And i think they now have to because very ordinary people theyll have to proably pay twenty percent

And that which is push them out of the house wouldn't be able to say in it

Yeah

They would be able to ying

Ying

Thethey'll have to send it just to pay the tax

Yeah

But we even renters have have their share are problems

Renting can be extremely expensive

Based on personal experience

Woh Yeah

Um Because

Because not only event you have to think about bills as well

Gas

Electricity

Water

Water a quite expensive and new wifi

Wifi internet

Or also you have to pay council tax

Council taxas well well month

Roughly a hundred pounds a month

I was find it really interesting that council tax is different in different councils

Oh Yeah

It depends on how rich the area is so if rearm paul when he was living in the uk

Ok

I lived in a very small flat

But in a very nice area

And the fat was about a one bedroom

So how much council tax you needed to pay

I think i paid about one hundred and twenty pounds a month hundred

Twenty pounds just where council

Yes Yeah

But ghly i paid the same yeah

But you have to factor in as well that it was a particularly good area

Yealso was closer central london

So that keeps the transport costs down um transport you have to remember in the uk is really expensive

Yeah

Yeah

The for those of you who don't really know about london

London is uh diviin the different zones

It's kind of like the ring roads in beijing

Yes

So you have the inner zone

You have the zone one

Zone to yeah

One three

Think within

Within zone three

Three Oh

Pretty expensive

Oh Yeah

Because it's just so convenient

The transport is so easy

Um so what would you say is the difference between people in the uk and people in china

When it comes to healthy

It depends do you mean in terms of buying a house or just dristed um

I would say there were quite a few similarities

Um chinepeople tend end to want to have their own house and same as the uk

You know british people we also want to own our own place

But there is less of a social pressure in the uk about buying a place

But so many people rent place

You're in your late twenty ties or early thirties

And you don't own house

It's quite natural

It's quite natural

People don't look down on you

People don't judge you for it

And there's no stipulation is no requirement

You meet their owner house before you get married

Many people do get married in rented housing

It exactly

But that's also

Because you have a probably a better regulated renting market

Yes and no we talked about in the previous episode about log land

Well well

But the system is

But have protected

I would say ying the uk

Than it is in china

Yeah

But you also have higher requirements

When i moved out of my flat in the uki had to clean it so hard

That it would look exactly

Yeah as the day i rent it yeah

The contracts in the uk

They're quite strict

But internets of other things about sing sing

I would say there were more similarities and differences between china and the uk

The only main difference i would say that in china is

Is that social pressure to buy a house

Which in the uk we don't have

But the underlying desire

The underlying dream of most people is oown no own homes

It's quite universal

I would says very universal

Actually if you dig deeper

You go behind all the superficial cultural differences

You do do find some similarities

I want different cultures okay

So that's was a few ideas about what is like

So if you have any questions

Or if you have anything

You like to add

Maybe you lived in the uk

Or maybe you're thinking about buying a house in china

As well No

Please let us know in a comment section

And also let us know what you think of this normal speed version

Yeah Hi

Thank you very much

I'll see you next time

Bye bye