UK QNA / UK Student Life / Visa Category / Buying Home & Car / Our Life in UK @RichaSauravWorld

I have got this question at least 100-150 times that if I still want to come to UK as a student, then is there any benefit or not, so the second question is specifically for the students that they always want to ask that if I have to go to UK or USA, Canada, Australia, then how do I choose my university, so hello guys welcome back to our channel Rich and Sure World, so today after a long time I thought why not do a QNL, I think it has been three or six months since I did the last QNL, so for us the market is very competitive, so what happens here, what is your aim after studentship, that is, you have to get a job, settle here, so if you come to UK without any skills, that means if you are in India, if you are doing an IT job, then you come with three to five years of experience, if you talk about other skills like plumbing, carpenter, if you have knowledge of all those things, that How to do all that? Definitely, getting a job in the UK is a little easy, but if you are saying that after studying in college, you come to the UK for higher studies directly, then getting a job here becomes very difficult. So my advice is that even today there are jobs in the UK, there is no such thing that there is a shortage of jobs here, but to get a job, you should have some experience. 1 year or 5 years means a good advice, so I would say that you should have 5 years of experience, but it is not that there is only 5 years. If you have experience of even 2 or 3 years, then after that you can think of coming to the UK and doing higher studies. The second question is specifically for the students, they always want to ask that if I want to go to UK or USA, Canada, Australia, then how do I choose my university, which course should I select, so there is always confusion about what should I do for them, so for this we have talked to a lot of people and a good solution came out to be this. I want to tell you about an app and a website called College Duniya. What College Duniya does is that it's a platform through which you can get one-on-one counseling, and this counseling is completely free. You'll provide all your degree details, and they'll evaluate you to determine which course is best for you and which is the best country for you. The benefits of this app are that they have many different types of applications for different universities. Their application fees, which are quite expensive—sometimes $500, sometimes $300—are waived. Their extra benefit is that, just like you have to pay your student fees, you get a significant extra exchange. They also offer a $350 service fee discount. Their next benefit is that if you need to prepare for the IELTS exam, they also provide you with free IELTS preparation. Apart from this, if someone who already has a good education wants to take an exam of GRE GMAT, then these people also help you in that, you can get direct admission for further studies without GRE GMAT, so the next benefit of this is about finance because you know that if you want to go to UK or US, then their college fees are very high, so what they have with College Duniya, they have one of the best things that they have that they have partnered with many companies which provide you finance, they also arrange finance for you from 2 lakhs to 15 lakhs, the next thing is the visa fee which is very expensive for example for USA, UK, Canada, so you get scholarship through them, you get scholarship for visa fee up to 0000, and the last point and the most important point is that the entire program of College Duniya Study Abroad does not ask any service charge or hidden fee from any student, so I think if If you have any plans to come abroad to study, then you can try College Duniya. I have put their complete details in the description box. The next question which people have also asked is that if I come on a travel visa or a visit visa or I come on a student visa, can I convert it to a work visa? Look friend, the first thing is that you can never convert the travel visa, it is completely illegal and we do not want to promote any illegal thing. And the second thing was that the student visa could definitely be changed till 2023, that is, till the last year. There was a provision in the law that you could change it, but after 2023, this law has also changed. Now any student may have to convert his/her skill visa only after completing his/her course. So friend, the next question which is very commonly asked is that can I bring my dependents with me, like my wife? Or look at children, I will classify them into three categories. First there are students, then care workers, and after that there are those who have come on a skilled visa. So, there are different criteria for all three, which is that students definitely cannot bring their dependents with them. Care workers also cannot bring their dependents with them. They could bring dependents in every case till 2023, but they cannot bring them in 2024. Now let's talk about skilled workers. What is there in skilled workers is that you can bring dependents, but the government has imposed a threshold limit on salary, which means if your salary is above 38,000, then you can bring your dependents. So, just to add on, your annual salary should be 38,000 pounds so that you can bring your dependents with you. So, next is a very interesting question. A working professional has asked me that if he is on a skilled worker visa, then can he come to the UK? If you can buy a house, then if you are an ILR or if you are a British passport holder, then you can buy a house, there is no problem, but if you are on a skilled visa, then what is the eligibility criteria for that, you should live in the UK for a minimum of 12 months and you should have a job, you should have a credit history of 12 months, apart from this, your visa should be valid for a minimum of 10 years, so let's suppose if you are on a 5-year visa, then you can buy a house as soon as you complete one year because you have a 10-year remaining visa, if you have a 5-year visa, then you can definitely buy a house after completing one year, so what do you have to do for this, what are the options, you have mortgage brokers or banks, you can go through them, you can approach them, I will tell you the name of a broker whose name is LNC, LA&C, this is a free broker, you can work with them. You can schedule a call. You can go to their website and they will call you. It is totally free, there is no cost. You go to them and tell them your salary. How much deposit do you have? Do you have any dependents? How much income do you have for your entire family? How much money do you have? For example, how much money do you have left in India? You will tell them all the details and they will tell you how much loan you can get so that if you want to buy a house, they will help you. I want to add a small addition to this that it is not that every bank will give you a loan because your credit history is not that good yet. There are two very famous banks in the UK, one is Leafax and the other is Skipton Building Society. They have very relaxed criteria. If you have a job and have completed one year, then these two banks can definitely give you a loan or a mortgage to buy a house. So, the next question that someone had asked was that if I am on a skilled visa, then I will get a higher interest rate, like the one who has If you have a UK passport, will you get it at the same rate? See, definitely, what happens is that if you have a UK passport, you have normally lived in the UK for 5 years, so your credit history is long. If you are on a skilled worker visa, your credit history could be 1 year, 2 years, or 9 years. So, for banks, you are a high- risk person. Therefore, your interest will be slightly higher in these cases. If the interest rate for normal people is 2.5, then for you it will be 2.7 or 2.8. So, I am not saying that it is very high. It can basically be a difference of up to 25%. But I also want to say once that nowadays, the interest rates are already hovering between 6.5 to 6%, which if they also have a UK passport, then for a skilled worker visa, it will definitely cost more than that, at 25%. And with the extra tax, the interest rate is very high. It is not a good time to buy houses. Now, a little interested. Let it subside, then definitely you can try again to buy a house. The next question that people have asked is that if you want to come to the UK and buy a car, then what is the meaning, which route and how should you buy it, so first of all let's talk about driving license, like if you have just come from India, then you have an Indian driving license for one year, you can drive in the UK, so if you want to buy a car as soon as you arrive, go for it, buy a car and drive on your Indian driving license, after one year you will have to get a UK driving license, so my recommendation is that as soon as you arrive, drive with an Indian driving license and simultaneously complete your training for the UK driving license and after giving your test, you can get a UK driving license within one year, okay, secondly, if you want to know where to buy a car and what other things, my recommendation is that friend, first of all, you should buy a second hand car in the beginning, okay, what is its benefit, if you do not know any road, do not know the rules, then you will get a little practice, so if you have a second hand car If you want to buy a hand car, what can you do? The best thing is there's an application called Auto Trader. Again, I'm not promoting it, but Auto Trader. I also bought my first car from Auto Trader. The benefit of this is that it's a marketplace. All the garages put their cars on Auto Trader so you can get a price range and where you can pick up which car from which city. The second thing that people probably don't know is that you've seen a car on Auto Trader, you've even liked it, don't just go and buy that car. What happens is that every car will look good from the outside because they'll polish it and do everything. What happens is that there are services that garage owners provide here, and I'm mentioning some good names here, like AA, like RACC. These people inspect the car, and the physical inspection does n't mean you just have to look at it from the outside. These people have tools that connect to the car's computer and they get the entire history. Like whether the software of the vehicle has been modified or not, whether the vehicle has been modified or not, whether there are any problems, whether the engine is faulty or anything, then you can get this service between 100 pounds to 200 pounds, after liking the vehicle, you can get the vehicle checked by taking that service from them, which will cost you 200 pounds but you will get a lot of benefit in the long run, this check should be done compulsorily, which I also did for my first vehicle because someone referred me to this and told me that you should do this process, so for you AA, RAC and any local garage are not like that, that you can get it from them, if you go and ask any garage near your house, they will also provide you this service, maybe they will give you a little chip, so you can go from anywhere and get this check done, so guys, let's end this video here and if you have any other questions, then definitely you can comment on our instagram2 from ma