Ashely Osborne MRICS解答：一對夫婦是否應該以個人的名義或聯名購買英國樓取決於夫婦各自的個人情況。買家最好在購買前考慮清楚每種情況的各種影響，因為一旦購買完成，再次轉變可能會產生非常昂貴的費用。
如果決定以聯名方式購買英國房產，普遍可選擇兩種產權持有方式，分別是聯權共有Joint tenants及共同擁有Tenants in common。買家可按自己的個人情況及各自的財務貢獻而決定。聯權共有，即每個所有者共同擁有整個財產，而不是量化的份額。如果夫婦中的任一人去世，另一方自動繼承其伴侶去世時的所有財產。逝者不能將物業或其中的一部分業權留給其他人，除了聯權共有的業主。當倖存者離世時，他們可以將財產留給他們選擇的任何人。商業夥伴通常使用共同擁有進行房地產投資。可以將物業所有權分成不同的數量；投資者可以按購買價格或成本貢獻多寡而定下不同的業權比例，確認所有權的分割所有權。分割可以從一開始就固定，也可以隨著時間的推移而改變，以反映他們在財產所有權期間所做的貢獻。 Tenants in Common 的吸引力在於個人的貢獻可以體現在產權的所有權上。然後，如果房產被出售或投資者分道揚鑣，他們知道房產有多少的百分比屬於自身。
作為一對夫婦，您們需要在購買房產之前根據具體情況而考慮怎樣才是最佳選擇。您還需要考慮如果你們其中一人不再想擁有該房產或決定分道揚鑣，將會發生什麼事?雖然這些對話可能會讓人不舒服，但最好從一開始就計劃好。
If you decide to buy a UK property in joint names, you have two options to hold your respective interests in the property. You can either hold the property as Joint Tenants or Tenants in Common. Which option you choose will depend on the financial contributions you make as well as your personal circumstances.
Buying as Joint Tenants, each owner collectively owns the whole property, not a quantified share. If one of you passes away, the other party inherits all the property on their partner’s death. The person who dies cannot leave their property, or a share of it, to anyone other than their joint tenant. When the surviving person dies, they can leave their property to whomever they choose.
Business partners generally use Tenants in Common for property investment. Owners can split their ownership into different amounts; this means that different investors can contribute different amounts to the purchase price and ownership costs and recognise the split ownership on the title. The split can be fixed from the outset and can also be altered over time to reflect the contributions they make during the ownership of the property. The appeal of Tenants in Common is that the contributions made by individuals can be reflected in the ownership of the title. Then, if the property is sold or the investors go separate ways, they know what percentage of the property belongs to them.
As a couple, you need to consider your best option specific to your circumstances before you buy the property. You also need to think about what might happen if one of you no longer wants to own the property or decide to go your separate ways. While these might be uncomfortable conversations, it’s best to plan from the outset.
