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What is Shared Ownership?

Co-ownership benefits

Under this scheme, you formally buy only a share (usually 25 to 75%) in your new home, and for the remainder you pay a monthly rent to the owner of the building – a housing association or a private developer.

The rent for the remaining share is usually below market value, but it rises over time.

Over time, you can gradually buy out the remaining share to become the full owner of your home. You can buy out the entire remaining share at once, or buy out the remainder in shares several times.

All information about rent, purchase options, additional payments, operating features, etc. will be detailed in the agreement between the buyer and the owner of the building. This document must be read carefully before making a purchasing decision.

The obvious advantage of the scheme is the ability to buy your own home even with low incomes and a small deposit.

Disadvantages of the scheme

Additional expenses

In addition to the monthly mortgage payments, you will pay rent, building maintenance costs, land tax and deductions for major repairs.

Keep in mind: Even though you own a share of the property (say 30%), you are responsible for paying all maintenance and repair costs for the building.

Prohibition on rent

In most cases, the contract prohibits the lease and sublease of such real estate.

Increase in the value of shares for redemption

The agreement will state what the minimum and maximum size of shares for redemption is, how many times you can redeem shares during your ownership, whether you can redeem 100% of housing, etc.

The value of shares upon redemption may increase as it will be calculated at a specific point in time.

If you decide to buy out an additional share, the owner will call an appraiser who will assess the current value of the property and, accordingly, the value of the share for the buyout.

In addition to the services of an appraiser, you will also pay notary fees when you change your ownership interest and possibly pay stamp duty.

Operation restrictions

The contract often includes restrictions on repairs and redevelopment. Without the consent of the owner, you will not be able to not only remodel your property, but also change the decoration of your home, including flooring, interior doors, etc. Your contract may also include restrictions on keeping pets, using the home for doing business, etc.

Home sales problems

When your home is sold, the building owner usually has the first option to buy it. And if you are allowed to sell your home on your own, keep in mind that the prospective buyer must meet the terms of the co-ownership scheme and the building owner’s requirements.

Difficulties with a mortgage

Only a small number of banks provide mortgage loans for home purchase under the joint ownership scheme. It is not easy to find a mortgage loan for home purchase under this scheme.

Buying a property in the UK is stressful, as well as spending money and time, which does not always lead to the desired result. Our experience and knowledge allow us to help members of the Russian-speaking community in buying real estate at all stages of the transaction. You can consult by phone, skype, e-mail, make an appointment at our office in London or any other place convenient for you.

Call 01304268934, 07852829016 or fill out the form at www.YourMortgageAdvisor.info

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Technology US

Spotify Kids now supports shared playlists, letting parents control the music

Parents can now influence more of their kids’ music taste through Spotify. The audio streaming platform announced a new feature for Spotify Kids today called Shared Playlists, which allows parents to share playlists they’ve created with their kids. The Spotify Kids app gives kids access to child-approved audio content with the goal of gating them into a safe place to click around and access music and stories. This new feature allows kids to gain access to the content that lives outside those walls, however, with parents acting as the main gatekeeper. Spotify says the idea is to give parents a way to share the music they loved growing up or that they enjoy regularly as a family.

To share a playlist, parents have to access the PIN-protected area of the kids app. They can then select the music playlists they want to share, which have to have been created by the parent. Songs with potentially explicit tracks will be marked with an E, and if a parent wants to remove those tracks, they’ll have to do so from their Spotify app. The first time they share a playlist, a pop-up will appear asking the parent to confirm this decision.

Spotify launched its Kids app in 2019 and has continued to expand its reach, along with the introduction of new features. Parents can now view their kids’ listening history and block tracks. Shared playlists is another incremental feature but one that parents might appreciate.

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Entertainment UK

Kim Kardashian and Kanye West’s ‘magnetic’ love story shared in unearthed clip

Kim Kardashian and Kanye West are reportedly on the brink of ending their six year marriage, with the reality star “done” with her rapper husband.

The 40-year-old Keeping Up With The Kardashians star is said to have instructed a divorce lawyer to draw up papers, while Kanye, 43, continues to stay at his $14 million Wyoming ranch, with “no plans” to reunite with Kim in Los Angeles.

While it seems that their relationship is looking consigned to the dumpster, there was a time when they described what they had together as “magnetic”.

An unearthed clip from a TV show that looked into their life together – Kim Kardashian & Kanye West’s Love Story in Their Own Words – from 2017 has shown them speaking lovingly about the bond that they have.

Kanye West and Kim Kardashian in 2012

Kim explains about how she hooked up with Kanye in Paris while the rapper speaks about the strengths he sees in his wife and how he ignored calls to dump her rather than become her husband.

Speaking to the camera, Kim detailed how they came together, 12 years before they tied the knot.

She said: “I met Kanye in 2002, he would ask everyone who I was and I would say, oh she has a boyfriend but we always kept connecting and coming into each other’s lives.

“And then he invited me to Paris to his fashion show and that is where it happened, that was when we started our relationship and I was like, s*** why didn’t this happen sooner, it was just right.”

Kim Kardashian and Kanye West kissing at their wedding in Florence, Italy

Kim continued: “Everyone would tell him, you can’t be with her, she’s a reality star and she’s going to sink your career but he was like, I love her and I don’t care.”

Kanye was equally as glowing with his thoughts on Kim, as he detailed the qualities that attracted him to her.

He said: “Every time I was around her I saw her the magnetic attraction to this force of energy.

“She was good, pure, happy, loving and brave, courageous, strong.”

They tied the knot in Florence, Italy at a star-studded wedding in 2014 and have four children together – North, seven, Saint, five, Chicago, two and one-year-old Psalm.

Do you have a story to sell? Get in touch with us at [email protected] or call us direct 0207 29 33033.

Categories
Bollywood

‘Jiju’ Rohman Shawl cuddles with Sushmita Sen in new pics from Dubai birthday bash, shared by Charu Asopa. See here


Actor Charu Asopa has shared several pictures from the birthday celebrations of model Rohman Shawl. Rohman is dating Charu’s sister-in-law, actor Sushmita Sen. Sharing pictures from the birthday bash, she addressed Rohman as ‘jiju (brother-in-law).”

“Happy birthday Rohman Jiju #birthdaybash #yatchparty. It was super fun. Didi you are awesome, I love the way you plan everything. It’s always so much fun to do party with you,” she wrote in her post, which had several pictures from a yacht party. The pictures showed Rohman and Sushmita cuddling, surrounded by her daughters and other family members. Charu also posted pictures with her husband, actor Rajeev Sen.

  

“Some more fun with the family. Just love you all. Blessed to have a family like this,” she captioned a second post, which had even more pictures from the party. The family was in Dubai for Christmas and New Year.

Both Rajeev and Charu had shared pictures from their Christmas celebrations as well. In one of the videos, Charu had again referred to Rohman as ‘jiju’.

Also read: Charu Asopa addresses sis-in-law Sushmita Sen’s boyfriend Rohman Shawl as ‘jiju’ at Christmas party in Dubai. Watch

Sushmita had also narrated the ‘beautiful’ story of how she met Rohman in an interview to journalist Rajeev Masand last year. “He sent me a direct message on Instagram and I didn’t check direct messages because I wasn’t sure if you check it, you may be allowing that person to start communicating with you. So, I had too many of these direct messages and I had not opened any and there it was,” she had said, adding, “I was scrolling through and this boy broke something in the room and I went talking to him and when I came back I had obviously opened one of the DMs and it was a message from him and I was like ‘Oh my god, how did I do that, god I should never be talking when I am near a phone’.”

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Bollywood

Inside Twinkle Khanna’s birthday bash, with more cakes than you can count. See pics shared by Karan Kapadia


Actor Karan Kapadia has shared pictures and videos from his cousin Twinkle Khanna’s birthday party on Tuesday. Twinkle, a writer known for her humour books and columns, turned 47.

Karan took to Instagram to share several glimpses of the party, which included videos of the food, and of Twinkle cutting one of her several birthday cakes. In a separate post, sharing a picture of the two of them together, Karan wrote, “Happppy birthdayyyy @twinklerkhanna , love youuuu.”

 

Karan is the son of Dimple’s aunt, Simple Kapadia. He was recently seen in the horror film Durgamati, starring Bhumi Pednekar and Arshad Warsi. He made his film debut with 2009’s Blank. Recently, Karan and Dimple both expressed their pride at Twinkle’s mother, Dimple Kapadia’s performance in Christopher Nolan’s Tenet. Karan wrote in a social media post, “Even after 47 years in the business, you still continue to raise the bar, you deserve everything and way more. You’re an inspiration, a phenomenal actor and an even better human being. I love you.”

Earlier on Tuesday, Twinkle’s husband, actor Akshay Kumar, had also shared a social media post on the occasion. Sharing a picture of the two of them on a bicycle ride together, he’d written, “Here’s to another year of questionable life decisions. But I’m so glad I get to make all of them with you. Happy birthday Tina.” The couple has two children, son Aarav and daughter Nitara.

Also read: Akshay Kumar jokes about ‘questionable life decisions’ as he wishes wife Twinkle Khanna on her birthday. See pic

Twinkle, who shares her birthday with her father, the late screen legend Rajesh Khanna, wrote a heartfelt post in his honour, and shared an old picture of them together. “He told my mother that I was the best present she could have ever given him as I entered the world, feet first, on his 31st birthday. He called me Tina Baba, never baby, and though I didn’t realise it at that point, my upbringing was different from all the other young girls around me,” she wrote.

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Football USA Headline USA

Abigail Ratchford shared her 10 most daring photos of 2020 | The State

Abigail Ratchford This 2020 was established as the queen of Instagram and it is no coincidence. Month after month, the popular social network shook with sensual, daring photos that disrupted censorship.

It is the American star herself who selected her 10 most daring images to close the year.

Naked, in a bikini, topless or lingerie, the former soccer player had no shortage of themes for her popular photo shoots. The network unleashed the “likes”, positive comments and there is some controversy to decide which was the most irreverent image on Instagram.

The influential model has been cataloged by Forbes as one of the stars of the year and surely of the upcoming 2021.

Keep reading: They captured Barack and Michelle Obama happy, relaxed and in bathing suits

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Headline USA Los Angeles

Hispanic coronavirus patient killed an elderly man with whom he shared a room in a Los Angeles hospital | The State

Last Wednesday, Los Angeles police reported that he carried out the arrest of a man of Hispanic origin, who has been accused of having killed an old man with whom he shared a room in a hospital in this city.

The tragedy occurred the morning of December 17 at Antelope Valley Hospital. The defendant, named Jesse Martínez, 37, was admitted to the hospital after suffering from coronavirus, and shared a room with an 82-year-old man. which had also tested positive for COVID-19.

According to the information provided by LASD, Martínez would have been upset with the old man because he began to pray. After a verbal discussion, the attacker hit the victim with an oxygen tank.

The name of the 82-year-old victim, who died the day after the attack, was not released pending notification of family members, but the LASD said he was Hispanic and apparently knew his alleged assailant.

Martinez was charged with murder, hate crime and elder abuse, and will appear in Antelope Valley Court on Monday.

The authorities have not specified if the detainee has already been discharged from the hospital or if he is in custody within the medical institution. It was also not disclosed if it has already overcome covid-19.

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Headline USA

It was already known: Napoli shared the diagnosis of the injury of “Chucky” Lozano | The State

Hirving Lozano had to leave the field with the help of the team’s staff.

Photo:
FILIPPO MONTEFORTE / AFP / Getty Images

The Mexican international Hirving “Chucky” Lozano, who retired injured this Sunday from the league game lost by the Napoli in the field of Lazio (0-2), suffers “severe trauma to the left leg,” according to his club in a statement after the examinations carried out at the Roman clinic in Villa Stuart.

Lozano, who scored six goals this season in Serie A and one in the Europa League, went to Villa Stuart at the end of the match against Lazio and, according to the Neapolitan newspaper “Il Mattino” on Monday, the examinations excluded fractures.

The Mexican left the pitch with ice on his injured leg without needing the stretcher, but he was helped by two members of the Naples medical team so that he did not support his left foot.

The injury came after a strong clash with Romanian Lazio defender Stefan Radu as the two players fought for a ball on the right wing.

Everything indicates that Lozano will be left out of the list of coach Gennaro Gattuso for this Wednesday’s match against Torino, with which Napoli will close their 2020.

The southern team occupies fifth place in Serie A, one point behind the Champions League zone and eight behind leaders Milan.

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Categories
Bollywood

Hrithik Roshan and his sons make a merry bunch in these throwback pics shared by mom Pinkie. See here


Actor Hrithik Roshan and his sons, Hrehaan and Hridaan, look the happiest in throwback pictures shared by his mother Pinkie Roshan. The photos seem to be from previous Christmas celebrations.

Hrithik is seen in a black jacket, white shirt and blue jeans, posing with his sons next to a large, beautiful Christmas tree. They are joined by Pinkie and Hrithik’s father Rakesh Roshan. Sharing the photos, Pinkie wished her followers a ‘Merry Christmas’. She also shared more throwback pictures from Christmas celebrations. One picture even showed her and Rakesh posing with a young Hrithik in Las Vegas. “Wishing you all a happy 2021,” she captioned it.

 

Hrithik’s fans thanked Pinkie for sharing the photos. “Lovely Hrehaan and Hridhaan and lovely Duggu. Send you all lots of love and magic to the Christmas,” read a comment. “Great to see You’ll celebrating all festivals together as a family,” read another comment.

Pinkie had tested positive for coronavirus in October. Speaking to Times of India, Pinkie had said: “Every 20 days or so, we have been getting everyone checked as a precaution. This includes all our family members and the staff. I have no symptoms and my doctors told me that my yoga and exercise regime has helped in a big way to keep this in control; however, it meant that I have had the virus in me for 15 days. I am expected to undergo another test tomorrow and let’s hope it will be negative.”

Also read: Bigg Boss 14 promo: Eijaz Khan, Jasmin Bhasin lock horns, she says ‘I am here at 30, you came at 45’

Hrithik and his sons had been living with his ex-wife Susanne Khan during the lockdown. She moved in with them at Hrithik’s sea-facing home for the duration so they could look after the boys together.

Hrithik was last seen in last year’s War with Tiger Shroff. He will next be seen in Krrish 4, directed by his father, Rakesh Roshan.

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Entertainment USA

Saint West, 5, Give Sister North, 7, Major Side Eye In Hilarious New Photos Shared By Kim Kardashian

Saint West is already a pro at throwing some serious side eye. Kimye’s oldest son directed it at his big sister North, looking like he was shading her in new photos mom Kim Kardashian posted on IG.

After years of North West stealing the spotlight as the most sassy of Kim Kardashian and Kanye West‘s children, her five-year-old brother Saint West is showing off that he’s got just as much personality. Kim, 40, shared a series of photos of her four children to Instagram on Dec. 7, and in the first picture, Saint was throwing some seriously major side-eye towards his seven-year-old sister. Kim has said in the past has said how North “does not like her brother” and maybe he’s come to realize it.

While North looked directly at the camera with a solemn expression on her face, Saint had his head slightly turned in her direction and was giving his sister a searing case of side eye. In the accompanying photos, Saint was seen holding on to his one-year-old brother Psalm while North didn’t so much as glance in their direction. In another picture, North was seen playfully rough housing with baby brother Psalm on the ground, while Saint was nowhere in sight to join in on the fun with his eldest and youngest siblings.

Saint could be seen wearing a New York Jets football jersey, and standing to the far right side of the frame in the side-eye photo. North stood on the far left away from him, wearing a shirt giving props to her attorney-to-be mom that read “Kim is my lawyer.” In between the eldest siblings were Kim’s two youngest, as North held on to smiling two-year-old sister Chicago‘s arm, while Psalm stood between her and Saint.

Kim Kardashian has admitted that her daughter North has never been too fond of her younger brother Saint. Photo credit: BACKGRID

Kim has revealed in interviews over the years that North did not take well to Saint coming along and taking away her only child status. In Aug. 2017, she revealed on Live with Kelly and Ryan that “I don’t know if it’s because she’s the older sister. I don’t know what it is. I thought it was a phase. She does not like her brother and it’s so hard for me.” At the time North was four and Saint was 20 months old. “She would get so jealous when I would breastfeed and all that kind of stuff,” Kim explained, adding “And now, the phase isn’t going away.”

In an Apr. 2018 appearance on Ellen, Kim revealed that North was a lot better with her new baby sister Chicago than she was when she got Saint as a little brother. The KKW Beauty founder explained that they had a huge breakthrough when North actually offered to share something with Saint. “There was a shocking moment yesterday. She literally had a can of popcorn and was like, ‘Saint, do you want some?’ And I was like ‘What!?” You gotta understand, she does not share with Saint, she does not hardly talk to Saint, so that was such a big moment in my household.” Maybe now Saint is getting old enough that he’s throwing side eye at North for how she treated him when they were younger!