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<figure class="wp-block-image size-large"><img loading="lazy" width="1024" height="632" src="https://storage.googleapis.com/stateless-prod-portal/sites/1/2021/11/Rectangle-161-1024x632.png" alt="" class="wp-image-2292" srcset="https://storage.googleapis.com/stateless-prod-portal/sites/1/2021/11/Rectangle-161-1024x632.png 1024w, https://storage.googleapis.com/stateless-prod-portal/sites/1/2021/11/Rectangle-161-300x185.png 300w, https://storage.googleapis.com/stateless-prod-portal/sites/1/2021/11/Rectangle-161-768x474.png 768w, https://storage.googleapis.com/stateless-prod-portal/sites/1/2021/11/Rectangle-161-1200x740.png 1200w, https://storage.googleapis.com/stateless-prod-portal/sites/1/2021/11/Rectangle-161.png 1384w" sizes="(max-width: 1024px) 100vw, 1024px" /></figure>



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Lorem ipsum dolor sit amet, consectetur adipiscing elit. Tristique consequat semper purus, id. Enim in in at iaculis netus justo, eros.

Upcoming Event

In recent years, <a href="https://www.gov.uk/british-national-overseas-bno-visa">the United Kingdom</a> and <a href="https://www.canada.ca/en/immigration-refugees-citizenship/news/2021/06/minister-mendicino-announces-opening-of-2-new-pathways-to-permanent-residence-for-hong-kong-residents.html?fbclid=IwAR3-mwTwc46NfaErmJjuLUyfxO_hHQwwOYwVA1oR2muR7Er4Bb38SReVYBY">Canada</a> announced plans to facilitate immigration, inciting many Hong Konger to consider immigrating to these two places. However, many people may be rather unfamiliar with these two countries and cultures. In order to help you make decisions and adapt to a new life, we will compare the differences between Canada and the United Kingdom in terms of weather, hospitality, and entertainment factors.



<img loading="lazy" src="https://lh5.googleusercontent.com/YtCiA3LVMJ0e95wQKvlWxfK4VwOraxJ4Il-Ow-YLUS8UfzRSo506lAKRVz76TujHGMCjOXlmol3C2yWd1lozcTwM9yRYvFaZk365UGu60Litn7fj2nAO0BdSfL5Pwqjzdnv36h9h" width="624" height="356">



<h2 class="has-large-font-size">Weather</h2>



The weather in Canada is relatively dry, and the four seasons are distinct. When it comes to dry weather, remember to choose some skin care products with strong moisturizing effects when living in Canada.



The weather in the UK is unpredictable and it rains all year round. The sun could be shining at one moment, and the next minute it may be pouring rain (kind of reminds one of Hong Kong, eh?). Therefore, raincoats and waterproof jackets are a must. In addition, the environment is relatively humid, similar to Hong Kong.



<img loading="lazy" src="https://lh3.googleusercontent.com/cyd_vjtBonfrgJ3cFdA2xaPhsIhqxynnETKcOEpQZbJagO142_0tQpoI2XW61iiliIgBu9cU5LhK5WtgSxvwobcQjlAH-IINiHu7R19-Ku8HcGpWLVuWizVe_GE2CTmNGsW57wsD" width="624" height="473">



<h2>Hospitality</h2>



Canada is an immigrant country and features a variety of Asian populations, so it is less prone to discrimination. Moreover, after 1997, a large number of Hong Kong people immigrated to Canada, usually living in Vancouver and Toronto, which are the largest settlements of overseas Hong Kong Chinese.



In comparison, the UK has always suffered from a severe problem of xenophobia. In certain pockets of the community, it can be difficult for Asians to integrate. However, as more and more Hong Kongers have immigrated to the UK in the past few years, it’s becoming easier for them to find their tribe and fit in.



<img loading="lazy" src="https://lh4.googleusercontent.com/4IPf2_T23BPsM9kNjOjmrXTLiC3GkMcx1V15lsdvnBkFE5YM4pZZ3PEn6WVPLaY9dlQsE49Wb6kTtdTNTq_V2nj1L468cumZcOplWYsJLLIAcRoORppeHWH7AASO12ySXicotHRA" width="624" height="416">



<h2>Entertainment</h2>



Canada is a vast land with four distinct seasons, and activities are mainly outdoors and related to nature. For example, you can enjoy flower-watching in spring, row boats on the lake in summer, watch maple leaves in autumn, and skii down snowy slopes in winter. Outdoor sports include hiking, basketball, cycling, etc.



In contrast, the UK has a stronger artistic inflection, and there are many cultural and artistic activities for the community to engage in or enjoy. These include visiting museums and enjoying musicals. Unlike Canada, where one finds an emphasis on outdoor activities, the UK can perfectly cater to those that seek to explore their minds indoors.



<h2>Conclusion</h2>



The UK and Canada each have their own advantages and you should choose the country that suits you based on your lifestyle and preferences. Besides the weather, hospitality and entertainment, there are more factors that you should consider. To learn more about the UK lifestyle, watch <a href="https://blog.denzity.io/en/posts/cost-of-living-2022%ef%bd%9cthe-uk-vs-hong-kong/">Cost of Living 2022｜The UK vs. Hong Kong</a>.



Whether or not you choose the UK or Canada as the next place to look for an overseas property, we hope these points help clarify what aspects of a country you should be clear about before investing in property. There is no one size fits all answer.&nbsp;



Whatever is your preference, Denzity is here to help you make a better decision. Our Portal lists many overseas properties managed by trusted real estate companies all over the world. If there is a place to find your dream home this would be it! Watch out for<a href="https://blog.denzity.io/en/"> upcoming videos </a>that will take a deeper dive into the area.&nbsp;



<hr class="wp-block-separator"/>



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Canada

Featured

immigration

Hong Kong Immigration | UK vs Canada – Which to choose?

Through the past years, China tried to tighten housing policies to prevent capital outflow, such as making the process of second hand mortgage loans reasonable. This prevents a large amount of the middle class people from selling their assets in the country to move out to foreigner countries.&nbsp;



As policies are established, the price of housing in China polarizes quickly, prices of housing start going different directions, but in common, volume in trades drop. First tier cities such as Beijing and Shenzhen continue rising, and second tier cities start to fluctuate, and third, fourth and fifth tier cities face a heavy drop. From the graph below about 2018-2021 10 biggest cities Central business districts second hand housing price rise (%), we can see that Nanjing and Guangzhou City is where the new rich goes, while Guangzhou and Shenzhen City have more young blood flowing in. Cities that might bring your attention are Tianjin City, which has a negative price growth on small and medium housing units; Shenzhen, which is experiencing negative price growth on big housing units, Wuhan, experiencing negative growth from all, and Chongqing, experiencing negative growth on medium and large housing.



<figure class="wp-block-image"><img src="https://lh5.googleusercontent.com/7l6QKpZmk4kM81CyoLfgeXx7TeYt71AQJpp7zJChmb0MiTzPLO2ZKlHhvtvCUfZpZswxi3ylJ6vReLvRooqDkFAWG3sSaq1lMlBl6G370CkrZdFqT536O2sagVpW0MmX8VJNJcXk" alt="" /></figure>



Considering geographical and financial factors, we can make some hypotheses on why these cities listed above have such differences in terms of growth in big, medium and small types of housing price. 



<figure class="wp-block-image"><img src="http://5b0988e595225.cdn.sohucs.com/images/20190919/1fc1b5356d59436a9eba21e0588c3bbd.jpeg" alt="南京眼】南京互联网，你终于也有春天_小米" /></figure>



<h2 class="has-large-font-size">Nanjing </h2>



As one of the new first tier cities, Nanjing is different from Wuhan and Chongqing. With a special geographical location, mostly low mountains and hills and close to the Yangtze River, it has always been an important political place in Chinese history, so that businessmen or members of the political system would settle in Nanjing. Coupled with the current reduction in mortgage interest rates and the acceleration of bank lending, many investors have also taken action. This explains why Nanjing has such a huge growth in the price of large size housing.&nbsp;



<figure class="wp-block-image"><img src="https://www.discoverhongkong.com/content/dam/dhk/intl/greater-bay-area/guangzhou/guangzhou_16_9.jpg" alt="廣州| 香港旅遊發展局" /></figure>



<h2 class="has-large-font-size">Guangzhou</h2>



The development of Guangzhou could be seen in the eyes of all, in comparison to other first tier cities, Guangzhou has a lower living cost, and the environment is not that competitive, this is unsurprising that it has had steady growth in these three years.&nbsp;



<figure class="wp-block-image"><img src="https://media-cdn.tripadvisor.com/media/photo-s/1b/9b/9a/56/caption.jpg" alt="天津的照片- 天津, 天津地區的遊客照片- Tripadvisor" /></figure>



<h2 class="has-large-font-size">Tianjin</h2>



Tianjin is one of the cities with negative growth of small and medium-sized housing in the past three years, which is in line with Beijing&#8217;s poverty alleviation policy. Due to the high housing prices in Beijing, many young people are looking for opportunities to work in Beijing, but because the rent and housing are too expensive, they will rent in cities close to Beijing and Tianjin. In recent years, we can see that young people in Tianjin have decided to return to their hometowns due to factors such as the epidemic, which has led to the collapse of small and medium-sized housing transactions.



<figure class="wp-block-image"><img src="https://acaccountinghk.com/wp-content/uploads/2021/03/Shenzhen-800x544.png" alt="深圳開公司| 大灣區、前海創業首選| 公司註冊專家-毅思會計" /></figure>



<h2 class="has-large-font-size">Shenzhen&nbsp;</h2>



Shenzhen now reflects China&#8217;s overall wealth differentiation, with a large middle class and low-income grassroots, so small and medium-sized housing is showing positive growth. The failure to clear customs to Hong Kong has also led to negative growth in housing prices for large units, which can be understood as the wealthy who sold some of their assets and moved to Hong Kong.



<a href="https://zh.wikipedia.org/wiki/%E6%B7%B1%E5%9C%B3%E5%B8%82"></a>



<h2 class="has-large-font-size">Conclusion</h2>



Overall, investing in Chinese real estate is now a really risky move, as policies really affect how the trend goes. Whether or not you choose China as the next place to look for an overseas property, we hope these points help clarify what aspects of a country you should be clear about before investing in property. There is no one size fits all answer.&nbsp;



Whatever is your preference, Denzity is here to help you make a better decision. Our Portal lists many overseas properties managed by trusted real estate companies all over the world. If there is a place to find your dream home this would be it! Watch out for<a href="https://youtu.be/fZTY1vJwe7Q"> upcoming videos</a> that will take a deeper dive into the area.&nbsp;



<hr class="wp-block-separator" />



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China

new policy

China Market Overview | Which counties affected the most?

Today on Denzity Insights, we talk to <a href="https://www.hkproptech.org">HKPTA</a> member <a href="https://hk.linkedin.com/in/jameskwan212">James Kwan</a> &#8211; executive chairman of <a href="https://www.jumpstartmag.com/">Jumpstart Media</a>. He&#8217;ll give us his take on investing in PropTech Startups, integrating innovation into your business and how PropTech is going to shape the future.



<figure class="wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio"><div class="wp-block-embed__wrapper">
<iframe loading="lazy" title="PropTech 2022 | 專家分享投資房地產科技企業的秘訣| Tips | Why invest in PropTech Startups? | Denzity Insights" width="580" height="326" src="https://www.youtube.com/embed/fQz1nguwaOw?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture" allowfullscreen></iframe>
</div></figure>



Watch the video above and stick to the very end to catch every drop of his forward-thinking wisdom! Here we’ve highlighted some points from his most poignant insights.



<h2 class="has-large-font-size">What to look for when investing in PropTech Startups</h2>



 James admits that PropTech is a new frontier even when it comes to tech innovation, when compared to areas like FinTech and HealthTech. His premier advice for investors is to connect with real estate developers, property owners and asset managers &#8211; people who are on the lookout for a big change in the future. It’s a good idea to align with organizations like <a href="https://www.hkproptech.org">Hong Kong PropTech Association</a> to see how the local community can help you and inform you.



<figure class="wp-block-image"><img src="https://lh4.googleusercontent.com/MIlnTiTgKoK03j_F6F94pei8rOBorlUJ72mcOAxYcIZmQ8yYiLgtIB1OnqMH6ipobEv_m_LlvX_Ap7vz9YFDucDw0ppTXxJ1slgr4iEBjXo1-PDynFZKya7WDw__Hw" alt=""/></figure>



Popular tech sectors and innovations; Denzity.io



<h2 class="has-large-font-size">Why you should invest in PropTech</h2>



“Out of any country in the world, I think there’s more reason for people in Hong Kong to look at PropTech,” James asserts. He cites our exorbitant real estate prices as one example. As the times change &#8211; with recent trade wars and changing economic stances &#8211; it’s important to update your “game”, instead of merely sitting on property.



How PropTech could transform Hong Kong



James believes PropTech has the potential to be a big part of Hong Kong’s tech landscape, especially since players in the property world have the money to invest. Already, things are changing.&nbsp;



<figure class="wp-block-image"><a href="https://www.ricerobotics.com/en/blog/deep-sanitisation-robots-at-k11-musea/"><img src="https://lh6.googleusercontent.com/zZY3MM3oCHp4q73_YMkCfZ677jTvEMbdQ8AI-lm7Ho8DIkMH-aLMgg7jbCJg4n7_PWfJu0nD8B5zSR__LmvSU0DwKL0JcZjHfnHz_27LPxw3J-E013E6l0jqXnLQ2w" alt=""/></a></figure>



Sanitization Robots by Rice Robotics; K11 Musea



When you walk into K11 Musea, you might spot a sanitization robot by Rice Robotics chugging along; K11 Musea add to that UV lighted elevators, AI mask detection machinery and many other technologies. These weren’t on the minds of investors even just a few years ago, but might be the key to staying competitive globally.



<h2 class="has-large-font-size">Keep up with the Times</h2>



Whether it be investors, property developers, large corporations or entrepreneurs, James’ key takeaway is the importance of integrating innovation into the business unit to keep up with the times and push society forward!



Watch our other episodes on the HKPTA <a href="https://blog.denzity.io/en/posts/power-of-proptech-can-innovation-improve-hong-kong-real-estate-ft-akina-ho/">here</a> and <a href="https://blog.denzity.io/en/posts/proptech-and-hong-kongs-role-in-china-ft-rainie-pan/">here</a>.



<h2 class="has-large-font-size">About the guest</h2>



James Kwan is the Executive Chairman at Jumpstart, an Innovation as a Service (IaaS) company that connects the innovation community globally. He also serves as a board member of the Hong Kong PropTech Assocation. The association consists of a team of professionals, experts and entrepreneurs from various industries such as PropTech, media, Real Estate and Finance. Their goal is to create a collaborative ecosystem that brings together property developers, investors, and emerging PropTech startups. They are dedicated to foster communication, drive innovation agenda within the property industry, and encourage technology-enabled solutions to improve lives, businesses, cities, and the environment.



<h2 class="has-large-font-size">Contacts:</h2>



Website &#8211; <a href="https://www.hkproptech.org">https://www.hkproptech.org</a> LinkedIn &#8211; <a href="https://www.linkedin.com/company/hkproptech/">https://www.linkedin.com/company/hkproptech/</a> Instagram &#8211; <a href="https://www.instagram.com/hkproptech/
">https://www.instagram.com/hkproptech/ </a>Facebook &#8211; <a href="https://www.facebook.com/hkproptech">https://www.facebook.com/hkproptech</a> 



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HKPTA

Proptech

PropTech 2022: Why invest in PropTech Startups?

As expected for most people who love pets, they Immigrate with pets everywhere. However, immigration with pets is not the easiest task. There is a lot of paperwork to deal with before boarding your flight and nobody wants to deal with that last minute. Here is a step by step guide on how you can prepare yourself for the UK pet immigration without hassle.



<figure class="wp-block-image"><a href="https://www.scmp.com/news/hong-kong/law-and-crime/article/3144235/left-behind-hong-kongs-emigration-wave-leads-more-pets"><img src="https://lh5.googleusercontent.com/DaazwO5p23aJiU7CyzGUtKM2ptPjI-QEotkIZS-KOZsa9JpNFu3ELIHey090XYDZUflEP3zDbAwE5k2B-uEeKq13qoU9c9Rp5U0-V_rauGD0TqBq8nDdD_ui_TXFoGM3OkAsljGZ" alt=""/></a></figure>



<h2 class="has-large-font-size">Preparation before booking your flight</h2>



Surprisingly, the UK has strict regulation on even the most minute things such as the routes you take when travelling. So always check<a href="https://www.gov.uk/government/publications/pet-travel-approved-air-sea-rail-and-charter-routes-for-the-movement-of-pets"> here</a> to see if the flight you’re planning on booking is approved by the UK government for pet travel. However, during the booking stages of your journey, the people that you would like to check with the most are airline companies, call your respective airline company or go to their website and check with their policies on pet immigration, sometimes they would require separate paperwork that the UK government may not necessarily need, it’s always better to be safe rather than sorry.



<h2 class="has-large-font-size">Requirements for immigrating</h2>



The UK requires you to have the <a href="https://www.cathaypacificcargo.com/en-us/helpsupport/specialcargohandlingprocedures/liveanimals/pettravel/pettravel.aspx">following documents</a> ready for your pet to immigrate:



<ol><li>Complete the <a href="https://www.gov.uk/government/publications/pet-travel-approved-air-sea-rail-and-charter-routes-for-the-movement-of-pets">pet transfer residency declaration form</a>, which indicates that you do not intend to sell or transfer the pet you plan to immigrate.</li><li>Provide a valid health certificate from a registered veterinarian stating that the pet is free from rabies or other diseases 24 hours to 120 hours before entering the UK.</li><li>Hold a valid vaccination record to prove that the pet has been vaccinated against rabies at least 21 days before the required.</li><li>Implant International Chips for your pet&#8217;s microchipping.</li></ol>



If you have any uncommon animals, like rabbit, it is advised that you go to the <a href="https://www.gov.uk/government/publications/pet-travel-approved-air-sea-rail-and-charter-routes-for-the-movement-of-pets">UK government’s website</a> to check if there are any additional requirements for your pet during the process.&nbsp;



<figure class="wp-block-image size-full"><img loading="lazy" width="850" height="477" src="https://storage.googleapis.com/stateless-prod-portal/sites/1/2022/01/Travel_Mistakes_850.jpeg" alt="" class="wp-image-2644" srcset="https://storage.googleapis.com/stateless-prod-portal/sites/1/2022/01/Travel_Mistakes_850.jpeg 850w, https://storage.googleapis.com/stateless-prod-portal/sites/1/2022/01/Travel_Mistakes_850-300x168.jpeg 300w, https://storage.googleapis.com/stateless-prod-portal/sites/1/2022/01/Travel_Mistakes_850-768x431.jpeg 768w" sizes="(max-width: 850px) 100vw, 850px" /></figure>



<a href="https://www.shutterstock.com/search/dog+training"></a>



<h2 class="has-large-font-size">Training for travel</h2>



As pet owners, we always want our pets in the most comfortable positions possible, and I think it goes without saying that throwing one of them into a tiny enclosed space for extensive periods of time would be damaging to their mental health, something that we should try to avoid. <a href="https://www.sassyhongkong.com/living-relocating-pet-moving-agent-vet/">Which is why you need to train your pets to get used to these spaces</a>. Purchase the crate that you are planning on using a few weeks beforehand. When first bringing your pet into the crate, put their favourite mat or rug in the crate and keep the door open at all times. The key is to reward them with treats when they are in the crate so that they can begin to grasp the concept of confinement. After a while, try closing the gate for short periods of time so that they can get even more used to the environment, and incrementally increase the periods of time they are in the crate just to more accurately simulate the situation on flight.&nbsp;



<h2 class="has-large-font-size">Conclusion</h2>



Pets don&#8217;t need to be quarantined after boarding a plane to the UK. Pet immigration seems like an impossible feat to a lot of us. However, we here at Denzity want to make this process as convenient as possible. We are sure that this guide would be able to help you miles in your immigration.



Whatever your preference is, Denzity is here to help you make a better decision. Our Portal lists many overseas properties managed by trusted real estate companies all over the world. If there is a place to find your dream home this would be it!



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To receive more <a href="https://blog.denzity.io/en/category/real-estate-knowledge/">property information</a> relating to the UK, Canada and Hong Kong, sign up to our newsletter at the bottom of this page.



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Pet Immigration

Pet Preparation

What do you need to prepare for pet immigration?

With Hong Kong&#8217;s inflated property prices and UK&#8217;s affordability on the rise, it is more crucial than ever to budget your cost of living. Which option is cheaper? We&#8217;ll be examining housing, food expenses, transportation and taxation to find out!



<figure class="wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio"><div class="wp-block-embed__wrapper">
<iframe loading="lazy" title="Cost of Living 2022｜ UK vs Hong Kong | Denzity" width="580" height="326" src="https://www.youtube.com/embed/x-B2pbQWr2A?feature=oembed&#038;enablejsapi=1&#038;origin=https://portal.denzity.io" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture" allowfullscreen></iframe>
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Watch the video above to take a deeper look at each category with us. Here’s a quick summary of our breakdown.



<h2 class="has-large-font-size">Housing, Rent &amp; Utilities &#8211; Go for the UK!</h2>



Using a one-bedroom apartment as the benchmark, we can consider two options.



<ol><li><a href="https://www.numbeo.com/cost-of-living/compare_cities.jsp?country1=Hong+Kong&amp;city1=Hong+Kong&amp;country2=United+Kingdom&amp;city2=London">Rental </a>&#8211; on average, it would cost you 17, 800 HKD per month in Hong Kong, 600 dollars less than the 18, 600 HKD you would have to fork up in the UK.</li></ol>



<ol start="2"><li><a href="https://www.numbeo.com/cost-of-living/compare_cities.jsp?country1=Hong+Kong&amp;city1=Hong+Kong&amp;country2=United+Kingdom&amp;city2=London">Property Purchase</a> &#8211; the average property price tag in Hong Kong is DOUBLE that of the UK at 24, 600 HKD per square ft. compared to 12, 000 HKD per square feet respectively.</li></ol>



However, rent and utility prices in the UK vary largely depending on location. Rent in the city center tends to be expensive, while utility prices in rural areas may be higher as facilities tend to be sparser.



<img loading="lazy" src="https://lh5.googleusercontent.com/blbgqQR3b4xzOV_dkfj6U6nrSD9U8m41dMpBfdFt4H803b_27XBn-h5bqjjmiGZsyf05TYnnoGA_qArUM05APpyySPU76k5hULso5p_TM4nyu5kBVFj1HyaS4dUCzA" width="465" height="262">



<h2 class="has-large-font-size">Food, Groceries &amp; Restaurants &#8211; Depends on Your Lifestyle!</h2>



If you choose to cook for yourself, you&#8217;ll spend <a href="https://www.mylifeelsewhere.com/cost-of-living/united-kingdom/hong-kong">65.7% more </a>on groceries in Hong Kong than in the UK as Hong Kong imports most of its meats &amp; greens.



In contrast, almost 70% of British land is used for agricultural purposes so you have a wide selection of supermarkets to choose from, and competition keeps prices down.



<figure class="wp-block-image"><img src="https://lh3.googleusercontent.com/2fwwb1lT7HA49w_USnJ2rKkJAUwuIM9ql9iE0EJpORtFi-UXUz17IgYruMkFPOZ6jYKen8WAY7Qu8DC3OD828iV022TFsUS0twgUF1OhUkfdlH-HhSo76RxjfjVPpg" alt=""/></figure>



<a href="https://www.legco.gov.hk/research-publications/english/1819issh25-agriculture-sector-in-hong-kong-20190430-e.pdf">2000 to 2016 Local Production of Vegetables in Hong Kong; Legislative Council</a>



But what if you were to eat at a restaurant, an average meal in Hong Kong would cost you only <a href="https://www.numbeo.com/cost-of-living/compare_cities.jsp?country1=Hong+Kong&amp;city1=Hong+Kong&amp;country2=United+Kingdom&amp;city2=London">60 HKD</a>, whereas one in the UK would burn a whooping 140 dollar hole in your wallet.



<h2 class="has-large-font-size">Transportation &#8211; It’s a Draw!</h2>



Public transport is almost <a href="https://www.mylifeelsewhere.com/cost-of-living/united-kingdom/hong-kong">40% cheaper </a>in Hong Kong but owning a car is a whole different story.



While vehicle prices are similar in both places, petrol in Hong Kong costs <a href="https://www.globalpetrolprices.com/United-Kingdom/gasoline_prices/">5 dollars more</a> per liter than in the UK. On top of that, it’s just much harder and more expensive to park in Hong Kong.



<h2 class="has-large-font-size">Taxation &amp; Hidden Costs &#8211; Tied Again!</h2>



Hong Kong has one of the lowest taxation rates in the world. The standard salary tax stands at only 15%.



Income tax rate in the UK on the other hand STARTS at 20%, with the ability to go up to 40% or even 45% depending on individual income.&nbsp;



<figure class="wp-block-image"><a href="//www.gov.uk/income-tax-rates"><img src="https://lh6.googleusercontent.com/bBOIHOTBiK5ZaN4CoGZtHav1I9sDhG9T0neXgwVnqyvFd-80saSWllBzdhHAocgZm201grWLEWYUvevtmve8kzj1oXKNGd8Y5r2JdSbd-Cj4Zs8OYuAbQ9QJt7h51w" alt=""/></a></figure>



<a href="http://gov.uk https://www.gov.uk/income-tax-rates">Tax Bands in the UK 2021 to 2022; gov.uk</a>



The caveat is that Hong Kong has a so-called “Hidden Tax” because what you save in taxation merely bleeds away into payments on expensive rent and housing mortgage costs.



<h2 class="has-large-font-size">Make the Right Decisions</h2>



It’s important to consider your lifestyle and income when making the decision to move to a new country. Watch the video above to get a detailed view!



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london

The UK

Cost of Living 2022｜The UK vs. Hong Kong

<figure class="wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio"><div class="wp-block-embed__wrapper">
<iframe loading="lazy" title="UK Property Market Update 2022｜ Will the housing market crash? | Denzity" width="580" height="326" src="https://www.youtube.com/embed/NArLLuV2FvI?feature=oembed&#038;enablejsapi=1&#038;origin=https://portal.denzity.io" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture" allowfullscreen></iframe>
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January 31st, 2020 &#8211; COVID 19 was detected in the UK. November 27th, 2021 &#8211; Omicron is found in the UK. How has the UK property market responded and how are things looking in 2022? If you’re looking to invest or move to the UK, the answer will be important to you.



<h2 class="has-large-font-size">2020 &#8211; A Year of Resilience</h2>



<figure class="wp-block-image size-large"><a href="https://www.ons.gov.uk/economy/inflationandpriceindices/bulletins/housepriceindex/december2020"><img loading="lazy" width="1024" height="585" src="https://storage.googleapis.com/stateless-prod-portal/sites/1/2022/01/Figure-1-1024x585.png" alt="" class="wp-image-2563" srcset="https://storage.googleapis.com/stateless-prod-portal/sites/1/2022/01/Figure-1-1024x585.png 1024w, https://storage.googleapis.com/stateless-prod-portal/sites/1/2022/01/Figure-1-300x171.png 300w, https://storage.googleapis.com/stateless-prod-portal/sites/1/2022/01/Figure-1-768x439.png 768w, https://storage.googleapis.com/stateless-prod-portal/sites/1/2022/01/Figure-1-1200x686.png 1200w, https://storage.googleapis.com/stateless-prod-portal/sites/1/2022/01/Figure-1.png 1410w" sizes="(max-width: 1024px) 100vw, 1024px" /></a><figcaption>Annual house price rates of change, UK: January 2006 to December 2020</figcaption></figure>



Despite the excruciating circumstances, the property market performed extraordinarily well. Why? There are two reasons for this.



<ol><li>The <a href="https://www.cbreresidential.com/uk/en-GB/research/five-year-forecast-2021">UNLOCKED DEMAND</a> for property after the UK’s first lockdown in March, 2020 came to an end.</li><li>The <a href="https://www.thetimes.co.uk/money-mentor/article/stamp-duty-holiday-extended/">STAMP DUTY HOLIDAY</a> that began in July, 2020 and lasted for a whole year.</li></ol>



<h3 class="has-large-font-size">2021 &#8211; Average UK House Price </h3>



<figure class="wp-block-image size-large"><a href="https://www.bbc.com/news/business-57171683"><img loading="lazy" width="1024" height="800" src="https://storage.googleapis.com/stateless-prod-portal/sites/1/2022/01/Figure-2-1024x800.jpeg" alt="" class="wp-image-2564" srcset="https://storage.googleapis.com/stateless-prod-portal/sites/1/2022/01/Figure-2-1024x800.jpeg 1024w, https://storage.googleapis.com/stateless-prod-portal/sites/1/2022/01/Figure-2-300x234.jpeg 300w, https://storage.googleapis.com/stateless-prod-portal/sites/1/2022/01/Figure-2-768x600.jpeg 768w, https://storage.googleapis.com/stateless-prod-portal/sites/1/2022/01/Figure-2-1536x1200.jpeg 1536w, https://storage.googleapis.com/stateless-prod-portal/sites/1/2022/01/Figure-2-1200x938.jpeg 1200w, https://storage.googleapis.com/stateless-prod-portal/sites/1/2022/01/Figure-2-1980x1547.jpeg 1980w, https://storage.googleapis.com/stateless-prod-portal/sites/1/2022/01/Figure-2.jpeg 2048w" sizes="(max-width: 1024px) 100vw, 1024px" /></a><figcaption>Average UK house price, UK: 2005 to 2021</figcaption></figure>



Despite starting off with a lockdown, 2021 carried the housing boom torch even farther, coasting on the stamp duty cuts from the previous year and the historically low interest rates. It has been the busiest year in UK property since 2008’s financial crisis.



Here are the details:



<ol><li>UK Property prices in 2021 <a href="https://www.statista.com/statistics/751619/house-price-change-uk/">rose by 10.2%</a></li><li><a href="https://www.thisismoney.co.uk/money/mortgageshome/article-10296365/Mortgage-lending-record-316bn-1-5M-homes-bought-2021.html">1.5 million house purchases</a> have taken place since January, 47% more than 2020</li><li>Homebuyers borrowed around <a href="https://www.thisismoney.co.uk/money/mortgageshome/article-10296365/Mortgage-lending-record-316bn-1-5M-homes-bought-2021.html">£316billion worth of mortgages</a>, 30% up from 2020</li></ol>



<h4 class="has-large-font-size">2022 &#8211; Things to Consider when buying a new house</h4>



At the moment, uncertainty is high due to Omicron and unprecedented UK house price levels, but whether you are looking for a new home or considering a new investment in the UK, think of the following to guide your purchases in 2022:



<ol class="has-normal-font-size"><li>The UK Low Housing Supply &#8211; It’s important to remember that while demand has been surging, <a href="https://assets.publishing.service.gov.uk/government/uploads/system/uploads/attachment_data/file/1035653/Housing_Supply_England_2020-21.pdf">property supply has not kept up</a>, which partially accounts for these inflated the UK housing prices.</li><li>Change in Interest Rates &#8211; A possible interest rate hike might be on the cards for 2022, which would only make it more expensive to borrow money.</li><li><a href="https://www.theguardian.com/society/2021/nov/22/revealed-first-time-buyer-homes-less-affordable-under-tories">Rising Mortgage Unaffordability</a> &#8211; Rising petrol and electricity bills have tightened many budgets.</li></ol>



<h5 class="has-large-font-size">2020 &#8211; UK Property Marketing Forecast</h5>



In face of high uncertainty, most experts across the industry expect:



<ul><li>A “closer to normal” housing market</li><li>Housing prices to cool, but keep rising by<a href="https://www.theguardian.com/business/2021/dec/13/uk-housing-market-forecast-for-2022-busy-but-less-frenetic"> 5% at the national level</a>\</li></ul>



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UK Property Market Update 2022｜Will the housing market crash?

UK Housing Price

UK property

When you ask the people where to invest in the UK, the general opinion is always London. However, we recommended you take a look at Salford, which is located in Manchester in Northern England. In recent years, Salford has continued to develop, creating a large number of job opportunities, the overall labor power and housing demand is increasing, with convenient transportation, it is definitely the best choice for investment.



 <img loading="lazy" width="624" height="351" src="https://lh3.googleusercontent.com/KicDSm2doApA4-RPWYVoDh9pPpHMWNaq6GbS-XMvoUvWOiNAsOWew7fU07BnQyDokrXqW3o4p5wN68gPjsy1FWUw6G1K_OH5D_DUaRy4hMSCE4rktp9XITS9PQ_kmGx53Xco60cO"> 



<h2 class="has-large-font-size">Convenient</h2>



Geographically speaking, Salford is very close to big cities like Manchester. This strong link to a major city implies its prowess in reach. Transportation is made easy because of this linkage. Starting from Salford Central Railway Station, one stop to Victoria Station (Manchester’s transport hubs), and then transfer to Light Rail. Then you could easily reach Manchester’s Chinatown, Soho’s Northern Quarter, Spinningfields and shopping districts. Convenience means that you are allowed to live in further areas, while still being able to come in contact with modern society. This is something that the general public desires, and in other words, something that would be worth investing in.



 <a href="https://www.one-line.com/en/standard-page/job-opportunities"><img src="https://lh5.googleusercontent.com/M91s2sCavXi4aTqw9Y76_JIfj6UrxTfxw5bH4COOcbxRevCI27IeBk5NH9XmsG8VaKs1Ytl9FkVDFB4Y6XmrZ1dTurFZCd4b8nHtpc1KumKfrSTC1nMeX-pAtVdqgjPWGv1dHXaa" style="width: 500px"></a> 



<h2 class="has-large-font-size">Job Opportunities and strong signs of development</h2>



Up and coming businesses are always tight on money, as such, saving whenever they can is something that companies want to do when starting out. Thus why London is out of the picture. Unless you have a large stream of revenue to begin with, London just isn’t worth it anymore. As such, places such as Salford are slowly creeping into the eyes of startups. With good connections to the city while being far enough for lower standards of living is more than desirable. As more and more companies move into Salford, it would evolve into a central business district of its own. Even now, <a href="https://salboy.co.uk/2020/03/8-reasons-to-invest-in-salford/">Salford is home to over 8700 businesses</a> and employs more than 127000 people, with big name companies such as Talktalk and Vodafone. Being this top business hotspot, Salford is soon to see more growth as it becomes more and more business centric.&nbsp;



<h2 class="has-large-font-size"> Rise in reward </h2>



By the end of the day, what matters more is numbers. As smart investors, we are used to hearing promising investment opportunities that somehow lay flat. Which is why we need numbers, concrete data to back our investments up. According to data from the British Government’ HM Land Registry, starting from March 1, 2020, the overall average residential property price in Salford will be approximately 170,000 pounds (1.62 million Hong Kong dollars), an increase of 1.53% month-on-month and year-on-year. It recorded an increase of 2.92%.&nbsp; In terms of long-term appreciation, London property prices have not risen as much as Salford, Manchester or even Greater Manchester.



<figure class="wp-block-image"><img src="https://lh5.googleusercontent.com/LS1ksDBMkW7wUHi1L4-j0h7pT3loeBS0oeom4Ms4XEr2oevOZuewTBXOjLgsFZ5t0c8x_131_UCKAWRdl36nEdbPKjPfpckzyGgucpO_2C5ZA-UZ6kJGMWQoGNbwsI_rdB3nuBY9" alt=""/></figure>



<h2 class="has-large-font-size"> Conclusion </h2>



We believe that there are a lot of hidden hotspots in the UK, for example Salford and Liverpool. Sometimes, it’s easier to look for what everyone trusts. However, going against the norm is what we as Denzity also believe in. Just because most people believe in something doesn’t mean the savvy investor has to follow.



Whatever your preference is, Denzity is here to help you make a better decision. Our Portal lists many overseas properties managed by trusted real estate companies all over the world. If there is a place to find your dream home this would be it!



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salford

Why you should invest in Salford

<h2 class="has-large-font-size">Denzity 2021 Wrap-Up</h2>



Denzity completes another year of operations in 2021, finding success in many different avenues of content creation. product development and presence in the PropTech space. Watch the video below to catch up with all that has happened this year!



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<iframe loading="lazy" title="2021年度回顧｜2021 Wrapped｜Denzity Updates" width="580" height="326" src="https://www.youtube.com/embed/ayF6FZ0gMgo?feature=oembed&#038;enablejsapi=1&#038;origin=https://portal.denzity.io" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture" allowfullscreen></iframe>
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It’s been a long, but fruitful journey since Denzity’s inception and we would like to thank all of you for coming along for the ride.



<h2 class="has-large-font-size">Our Content</h2>



While we started with simple zoom chats over different property markets and PropTech concepts, we have come a long way to shooting high-production videos and inviting many different guests (KOLs like <a href="https://blog.denzity.io/en/posts/%e4%ba%ab%e5%8f%97%e8%a2%ab%e8%a8%8e%e5%8e%ad%e7%9a%84%e9%81%8e%e7%a8%8b%ef%bc%8c%e5%92%8c%e6%9e%97%e4%bd%9c%e4%b8%80%e8%b5%b7%e5%8a%aa%e5%8a%9b%e7%88%ad%e5%8f%96%e7%b5%90%e6%9e%9c%e5%90%a7-enjoy-bei/">Jo Lam</a>, <a href="https://wordpress.denzity.io/blog/2021/08/02/the-best-look-in-front-of-a-camera-with-andrea-so-%E5%9C%A8%E9%8F%A1%E9%A0%AD%E9%9D%A2%E5%89%8D%E5%B1%95%E7%A4%BA%E6%9C%80%E5%A5%BD%E7%9A%84%E4%B8%80%E9%9D%A2-ft-andrea-so-%E8%98%87%E9%9F%BB/">Andrea So</a>, <a href="https://blog.denzity.io/en/posts/millennials-investing-a-seed-to-harvest-ft-larry-hung/">Larry Hung</a>) to discuss topics related to Real Estate and beyond &#8211; PropTech, digital marketing, funding and financing.



<h2 class="has-large-font-size">Our Product</h2>



Along the way, we’ve heard your feedback and those of our peers/advisers. We’ve come closer and closer to shaping what our product is going to be (don’t tell anyone, but we’ll be launching it very soon in 2022!). Here’s a hint: there’s been a dearth of efficient and accurate information online when it comes to property purchases and we want to solve that issue for investors and homebuyers by providing them with a real-estate focused media and search platform!



<h2 class="has-large-font-size">PropTech</h2>



Our CEO and founder <a href="https://www.linkedin.com/in/darrendswong/">Darren Wong</a> has been involved heavily in the PropTech scene, first founding the Hong Kong PropTech Institute and publishing the white paper “PropTech Landscape in Hong Kong.” Towards the end of the year, he signed onto the Hong Kong PropTech Association to help with research and content creation.



<h2 class="has-large-font-size">Our Thanks</h2>



Our deepest gratitude goes out to the entire team at Denzity, Bryan (our resident art director and Darren’s brother), our advisors such as Akina, and all the friends supporting us from the sidelines. Thank you so much!



Watch the video to catch every single detail and hear from Darren directly!



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2021

Denzity 2021 Wrap-Up

<h2 class="has-large-font-size"></h2>



On the last Denzity Insights episode of 2021, we sit down with <a href="https://www.linkedin.com/in/tinnie-choi-851a3aa7/?originalSubdomain=hk">Tinnie </a>from The Center Space. She tells us about the current state of coworking spaces, how she runs Hong Kong&#8217;s highest co-working office and the future of work arrangements! Let&#8217;s dive right in.



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<iframe loading="lazy" title="Denzity Insights｜香港共享空間再次蓬勃發展中? Tried of WFH? Coworking space in Hong Kong is thriving again!" width="580" height="326" src="https://www.youtube.com/embed/5kJP5cHkS0U?feature=oembed&#038;enablejsapi=1&#038;origin=https://portal.denzity.io" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture" allowfullscreen></iframe>
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<a href="http://www.thecenterspace.co">The Center Space</a> first opened its doors to professionals in August. Since then, they have come a long way. Here’s a quick summary of our discussion with Tinnie!



<h2 class="has-large-font-size">What do you think of the impact Covid has had on coworking spaces?</h2>



According to Tinnie, business has been booming, and the space has managed to reach 90% occupancy in under four months. The factors driving demand are employees looking to work away from home after being cooped up for 2 years and businesses that seek hybrid work solutions to facilitate a variety of team compositions. Flexible lease terms mean that someone can rent a facility for simply a month or purchase an entire year’s usage.



<h2 class="has-large-font-size">What does the Center Space do differently compared to other coworking spaces?</h2>



A key attraction is the Center Spaces’ location, perched as it is atop The Center, on the 76th floor. Members can oversee the city sprawled out beneath them. Tinnie explains that the space also provides a sense of spaciousness and community as its 24,000m2 area holds fewers desks than its competitors, whereas 30% of the floor map belongs to communal spaces.



<h2 class="has-large-font-size">How have you designed the place for the experience you want to provide to customers?</h2>



The thinking behind The Center Space’s design is to provide the customer with a hotel-style experience. As Tinnie exclaims, one shouldn’t feel that they’re in an office space, but a hotel or business lounge. Even their hiring was geared towards this goal, as the Center’s employees all come from a hospitality background and 5-star hotels.



<h2 class="has-large-font-size">Conclusion</h2>



Watch the entire video to catch Tinnie’s exact thoughts.







<h2 class="has-large-font-size">About the guest: </h2>



Tinnie Choi，Head of Sales and Operations 



<a href="https://www.linkedin.com/in/tinnie-choi-851a3aa7/?originalSubdomain=hk">Tinnie Choi</a> is the Head of Sales and Operations at The Center Space, a versatile workspace located at the heart of Central that combines functionality &amp; design. In the months since the Center&#8217;s launch, she has been helping a lot of businesses from start-ups to established enterprises by providing them with customized workspace solutions. The Center Space provides many different servies such as hot desks, various office space configurations, virtual office set-ups, event spaces and much more. To best engage with her clients, Tinnie prefers greeting them on the 76/F at The Center and discussing their business needs over a nice cup of Barista coffee.



<h2 class="has-large-font-size">Connect with Guest </h2>



Contact Number: 2163 7688 



Email Address : growth@thecenterspace.co



Official Website &#8211;<a href="http://www.thecenterspace.co/"> www.thecenterspace.co</a>



LinkedIn &#8211;<a href="https://www.linkedin.com/company/the-center-space"> https://www.linkedin.com/company/the-center-space</a>



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<a href="https://blog.denzity.io/en/posts/disclaimer/">Disclaimer</a>

Coworking

Hong Kong

Tried of WFH?｜Hong Kong’s Co-working space is thriving again?

The UK has always been a hot spot for investment by many Hong Kong people. When you ask the average person where to invest in the UK, the general opinion is always London. To be honest, their reasoning is valid, there are reasons why London is so popular. Its locational conveniences, the fact that it’s an international city, and also its diverse community. However as investors, we need to look outside of the box. Sometimes, an investment isn’t just a lot of money after you sell, but instead a comparison between how much you invested and how much you gained in return.&nbsp;



<figure class="wp-block-image"><img src="https://lh6.googleusercontent.com/DgdimKlCRGY15aiNPQJoZMP5FE_2hSqTZ7tZX2uaZjYiZhPxgJMU-K5-Z1-MBmRCN7sc1GinVqswNUNIcEvDkFcb2VlDcWkvMp4VjbN_E0_jcuYBRwjGiXxDDrmk9u_7crN5XkW4" alt=""/></figure>



Liverpool overview



In 2020, Liverpool was named the<a href="https://www.liverpoolcityregion-ca.gov.uk/wp-content/uploads/LCRCA_LIS_March_2020.pdf"> 3rd best UK location to start a business </a>and is home to business and industry from a wide range of high-value sectors. Liverpool also has the <a href="https://www.romalcapital.co.uk/investing-in-the-city-of-liverpool-and-why-it-is-so-increasingly-popular/#:~:text=The%20city%20of%20Liverpool%20has,as%20200%20world%20class%20speakers">largest wealth management center </a>outside of London, with them holding the world’s largest business event for the third year in 2018. <a href="https://aspenwoolf.co.uk/resources/property-news/category/news-press/9-reasons-to-invest-in-property-in-liverpool-and-where-to-buy/">Tech Nation</a> also gave Liverpool a 79% rating for Tech Sector Growth Potential, predicting its inevitable growth as a tech hub.



These are just some facts that tell us that Liverpool is up and coming. The thing is, no matter whether you’re looking to live in the property you invest in, or sell the property, the facts make it desirable. Not only desirable to you as a savvy investor, but also as a tenant who’s either looking to rent or buy, thus making the investment worth it.&nbsp;



<figure class="wp-block-image"><img src="https://lh6.googleusercontent.com/t5oixnGddmK0K76OBXK-yFlShy692rpA-04bgz6x8NUYswL4XRXIBLUlGLJymaKVHB8XjogIg0ARR_OhsCH7-b_b0CVlUC4rg6c-USyrBVNtqnXMDN2wyiUFGg6UePz4na2TTawa" alt=""/></figure>



A feature of Liverpool–low entry



Due to certain political changes, a lot of people right now are looking for an easy way out. This may be it. Liverpool is currently undervalued, meaning that the price for housing is lower than the average in the UK. If you’re starting out, trying to find your first way into the real estate market, Liverpool is the place you’re looking for.



In 2020, places such as Kensington, Toxteth and Bootle all saw great spurs in growth, mostly for student lettings. Liverpool is at its sweet spot right now, where there are signs of increasing demands, while still not enough of it for the prices to be jacked up completely yet. A sight that is perfect for investors. The fact of the matter is, London is getting too pricey for the middle-class, so what we should do now is seize the opportunity. Purchase where the demand is going to go next. If you are looking into the idea of saving and rolling your money, Liverpool is a great starting point.



High and stable rental yield



When finding a place to purchase for renting, the most important figure is the rental yield. This is a statistic that Liverpool prides itself off of. In 2019, Liverpool was named the<a href="https://aspenwoolf.co.uk/resources/property-news/category/news-press/9-reasons-to-invest-in-property-in-liverpool-and-where-to-buy/"> best location in the UK for buy-to-let yields</a>. With postcords L7, L6 and L1 with the highest rates, upwards of 8%. Even in general, Liverpool’s rental yields are around 5%, which is miles better than London’s 3%.&nbsp;



<figure class="wp-block-image"><img src="https://lh6.googleusercontent.com/e0-m8qabgMcGNcjMgbkEphXDEqwcCamWXfftR62w1B15DMVcG19lhmRmMEgC6HRTFXg2l_vNTtu9n8KohmqFQYLbceNjWzZmLX31GAbP-CI-atpC2tOCd1aS6pw4jFPj8y_cRns0" alt=""/></figure>



Conclusion



We believe that there are a lot of hidden hotspots in the UK. Sometimes, it’s easier to look for what everyone trusts. However, going against the norm is what we as Denzity also believe in. Just because most people believe in something doesn’t mean the savvy investor has to follow.



Whatever your preference is, Denzity is here to help you make a better decision. <a href="https://www.denzity.io/properties">Our Portal </a>lists many overseas properties managed by trusted real estate companies all over the world. If there is a place to find your dream home this would be it!



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<a href="https://blog.denzity.io/en/posts/disclaimer/">Disclaimer</a>

Liverpool

London? Why not invest in Liverpool?

Create a powerful digital presence with Denzity

Denzity Blog

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<iframe loading="lazy" title="Power of PropTech! Can Innovation improve Hong Kong Real Estate? ft. Akina Ho // 房地產科技新世代 科技可以改變香港？" width="580" height="326" src="https://www.youtube.com/embed/iCsZdhRDpSY?feature=oembed&#038;enablejsapi=1&#038;origin=https://portal.denzity.io" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture" allowfullscreen></iframe>
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On our second Insights episode with <a href="https://www.hkproptech.org/">Hong Kong PropTech Association </a>(HKPTA), we talk to Head of Digital Transformation &amp; Innovation &#8211; <a href="https://www.linkedin.com/in/akinaho/?originalSubdomain=hk">Akina</a>, who has had extensive experience in Silicon Valley and boasts a track record of having built a successful unicorn in Hong Kong.



She has a very concise roadmap for how the organization and important stakeholders in Hong Kong&#8217;s real estate and PropTech spaces can come together to accelerate the growth of technology, and catch up with years of stagnation. According to Akina, there are a few things both PropTech start-ups and big real estate firms can do better.



She suggests start-ups to focus on survival. Go where the money is, instead of stubbornly sticking to a pre-conceived product. She highlights the ability to re-invent and pivot, citing Hyundai&#8217;s entry into the US as a prime example of how a company looking to sell one product (consumer motorbikes) capitalised on a completely different opportunity (mountain biking). Meanwhile, real estate companies should dedicate an influential person within the firm to specifically handle startup cases, especially if they want to bypass some of their bureaucractic hurdles. Most start-ups barely last half a year whereas corporate due diligence processes can last up to two years.



While tightening the bolts on either end, Akina herself believes that a platform like HKPTA could be the bridge Hong Kong is looking for. She hopes to add value to all stakeholders (developers, MNCs, start-ups, users, investors) involved by centralizing key business processes, negotiating proof of concepts and essaying the role of a match-maker within Hong Kong, to China or even internationally by shipping Hong Kong solutions overseas.



Akina goes onto explain what a proof of concept is and how it can foster innovation. She also discusses other chokeholds PropTech development faces, and what the future could look like as technology continues to advance rapidly.



Watch the video above to catch one of our densest Insights episodes to date!



▶ About the guest:



Akina Ho is the Head of Digital Transformation &amp; Innovation at Hong Kong PropTech Assocation, with innovation expereince both in Silicon Valley and Hong Kong. The association consists of a team of professionals, experts and entrepreneurs from various industries such as PropTech, media, Real Estate and Finance. Their goal is to create a collaborative ecosystem that brings together property developers, investors, and emerging PropTech startups. They are dedicated to foster communication, drive innovation agenda within the property industry, and encourage technology-enabled solutions to improve lives, businesses, cities, and the environment.



▶ Disclaimer: 



This disclaimer informs readers/audience that the views, thoughts, and opinions expressed in the text/video belong solely to the author &amp; participant, and not necessarily to the participant&#8217;s employer, organization, committee or other group or individual. As it can be difficult to catch some minor errors, transcripts may contain a few typos or inaccuracies. This might be painfully obvious &#8211; Please note the following legal conditions: Denzity owns the copyright in and to all content in and transcripts of Denzity’s video programs and publications (collectively referred to as “Denzity Materials&#8221;, with all rights reserved and its right of publicity. You are welcome to share the below transcript (up to 500 words but not more) in media articles (e.g., The South China Morning Post, Bloomberg, New York Times), on your website, in a non-commercial article or blog post (e.g., Medium and WordPress), and/or on a personal social media account for non-commercial purposes, provided that you include attribution to “Denzity” and link back to the denzity.io/blog URL. For the sake of clarity, media outlets with advertising models are permitted to use excerpts from the transcript per the above. No one is authorized to copy any portion of the Denzity Materials or use Denzity’s name, image or likeness for any commercial purpose or use, including without limitation inclusion in any books, e-books, book summaries or synopses, or on a commercial website or social media site (e.g., Facebook, Twitter, Instagram, etc.) that offers or promotes your or another’s products or services. Enjoy!

Denzity

Power of PropTech! Can Innovation improve Hong Kong Real Estate?| ft. Akina Ho

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<iframe loading="lazy" title="PropTech and Hong Kong&#039;s Role in China ft. Rainie Pan // 房地產科技 香港在中國的發展潛力 ft. 潘海琳 #Proptech #HK" width="580" height="326" src="https://www.youtube.com/embed/Oy2NYlUhaHk?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture" allowfullscreen></iframe>
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Denzity has been one of the frontrunners in the PropTech space in Hong Kong. We really believe in technology&#8217;s power to enhance the industry! That&#8217;s why we are very glad to have Hong Kong PropTech Association&#8217;s managing director, Rainie on this Insights episode. 



According to Rainie, HKPTA as an independent and non-profit organization aims to play a very vital role in Hong Kong and China&#8217;s real estate industries. Like Denzity, they recognise the importance that technology can play in the enhancement of the real estate experience, and have been striving to raise awareness and educate various relevant sectors about its power to enhance business operations, integrate solutions and create a better landscape for both local and overseas stakeholders. She also stresses the importance of using PropTech in the fight for environmental protection! HKPTA mainly aims to build a collaborative ecoysystem bridging property developers and technology solution providers as well as PropTech startups (just like Denzity). Rainie believes that Hong Kong&#8217;s unique and historical position as the gateway to China is fundamental to further re-enforcing this ecosystem, proving as a testing ground and bridge for international investors/companies looking to enter into the mainland Chinese market. We further speak to her about today&#8217;s PropTech scene, Hong Kong&#8217;s speciality and HKPTA&#8217;s role locally and in China. Tune in to hear her thoughts in detail!



 ▶ About the Guest 



Rainie Pan is the managing director of Hong Kong PropTech Association (HKPTA). The association consists of a team of professionals, experts and entrepreneurs from various industries such as PropTech, media, Real Estate and Finance. Their goal is to create a collaborative ecosystem that brings together property developers, investors, and emerging PropTech startups. They are dedicated to foster communication, drive innovation agenda within the property industry, and encourage technology-enabled solutions to improve lives, businesses, cities, and the environment.



▶ Disclaimer:



This disclaimer informs readers/audience that the views, thoughts, and opinions expressed in the text/video belong solely to the author &amp; participant, and not necessarily to the participant’s employer, organization, committee or other group or individual. As it can be difficult to catch some minor errors, transcripts may contain a few typos or inaccuracies.



Please note the following legal conditions:



Denzity owns the copyright in and to all content in and transcripts of Denzity’s video programs and publications (collectively referred to as “Denzity Materials”, with all rights reserved and its right of publicity.



You are welcome to share the below transcript (up to 500 words but not more) in media articles (e.g., The South China Morning Post, Bloomberg, New York Times), on your website, in a non-commercial article or blog post (e.g., Medium and WordPress), and/or on a personal social media account for non-commercial purposes, provided that you include attribution to “Denzity” and link back to the denzity.io/blog URL. For the sake of clarity, media outlets with advertising models are permitted to use excerpts from the transcript per the above. ParagraphParagraph



No one is authorized to copy any portion of the Denzity Materials or use Denzity’s name, image or likeness for any commercial purpose or use, including without limitation inclusion in any books, e-books, book summaries or synopses, or on a commercial website or social media site (e.g., Facebook, Twitter, Instagram, etc.) that offers or promotes your or another’s products or services.

Denzity Darren Wong

PropTech and Hong Kong’s Role in China ft. Rainie Pan

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<iframe loading="lazy" title="Moving to the UK? 3 Cities to Look At // 移居英國？三個熱門城市 #UK #London #Birmingham #Manchester" width="580" height="326" src="https://www.youtube.com/embed/fZTY1vJwe7Q?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture" allowfullscreen></iframe>
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If you&#8217;re a Hong Konger planning to move there in the pursuit of further education, employment or retirement, you might be very confused about how any of it works.&nbsp;



That’s why &#8211; a few weeks ago, we chatted with CBRE’s Ludo Downey about the UK property scene in 2021. Go here to check out that video! With this episode however, we wanted to zoom out BY A LOT and take a look at 3 English cities you should check out!



These are three expat and investment friendly cities that we will be taking a look at in our video today.&nbsp;



London



Birmingham



Manchester.&nbsp;



City One &#8211; London



London is broken down into 32 boroughs &#8211; 12 Inner London boroughs and 20 Outer London The upside for expats is that London, like Hong Kong, is an international financial hub, boasting job opportunities and a huge diversity of communities and cultures. It already boasts a strong expat population and the urban environment is something very familiar to Hong Kongers.&nbsp;



An important phrase to remember is “regeneration areas.” Basically, they’re the British version of Hong Kong’s Urban Renewal efforts. One regeneration area is a borough called Hounslow.&nbsp;



We did a separate video on a development there called Lampton Parkside. If interested, click here to watch it!



City Two &#8211; Birmingham



Birmingham connects with a few other cities and towns to form what’s known in the UK as a conurbation &#8211;&nbsp; specifically speaking the West Midlands conurbation or Greater Birmingham.



While it may be smaller than London, it can provide just as many opportunities as the international city. A couple other positives to consider are the lower cost of living compared to London and a centralized location right in the middle of the UK if you like to travel!&nbsp;



But if you’re someone only looking to invest there, the capital appreciation is obviously going to be lower than a city like London. One important area to look into would be Digbeth, which has seen major changes in the past decade, with old warehouses being turned into modern apartments.&nbsp;



City Three &#8211; Manchester



Manchester lies in the Greater Manchester Built-Up Area, and is possibly the most culturally significant city on this small list.The city also has a strong manufacturing industry that employs 1 out of 10 people in the city, making it a perfect place to settle and grow.



Some key areas to look into would be First Street, Mayfield and Great Jackson Street, which have all been the focus of regeneration and development.



With the efforts of the local government, Manchester has broken out of its previous industrial decline, bringing a lot of value and activity to its property scene.&nbsp;



In Conclusion



I hope this video has made looking into the UK a bit easier for you, but do watch out for upcoming videos that will take a deeper dive into the area.&nbsp;

Moving to the UK? ｜Three cities to look at!

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<iframe loading="lazy" title="玉不琢不成器 ft. 陳逸汮, 康子妮 // How to Overcome Adversity and Obstacles ft. Lily Hong, Garry Chan" width="580" height="326" src="https://www.youtube.com/embed/mJ3pYY4j4k4?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture" allowfullscreen></iframe>
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Today on Lens, we take a look at adversity. To reach success, it&#8217;s important for us to know the value of adversity, but also understand how to overcome it. Both Lily and Garry have traveled a long road to be successful in the Insurance industry so who better to ask for advise than them? We begin with a very important question &#8211; what is the mindset of dealing with adversity? 



Garry illustrates his transitions from Canada to Hong Kong, and how he entered the Insurance industry. He talks about the difficulties he faced as a younger man, and the financial hurdles he has had to overcame. Lily also chimes in with her very recent dive into the industry, starting from absolute zero and trying not to be overwhelmed. But what allows them to keep their act together and forge ahead? The power of acceptance. (watch the episode to get the detailed explanation and catch an insightful coaching anecdote from Garry!) We also ask Garry and Lilly what their observations are it comes to other successful people and they give us some very intriguing responses. For Lilly, the importance of &#8217;emotional regulation&#8217; cannot be overstated. It&#8217;s important to have the stability and basis to make the right decisions. If you&#8217;re too affected by something negative, you might end up being derailed, unable to see the situation clearly. It&#8217;s a habit that she finds time and again in people who succeed. With Garry, we get an alternative take &#8211; he likes to discover the mistakes successful people have made so that he can learn from them &#8211; no matter how silly, devastating they might be! Things turn interesting when Jo Lam, a prominent figure in media and insurance, is brought into the conversation! We go on to discuss his notoriety, success and ability to attract the attention of people. And we ask our guests &#8211; what would you do if you could coach the enigmatic Jo Lam? Catch the above episode to find out all the details!



▶ About the guest:



Lily Hong，Risk and Wealth Management Manager at YFLife Insurance/Musician/Artist 



Lily Hong started her career at TVB as an artiste, singer, musician, and KOL. In mid 2010, Lily entered the insurance industry; she obtained the MDRT and COT million dollar round table membership within six months of joining the company and has also won the company new agent award champion in the same year. In addition, Lily hopes to make a contribution to society; she participated in the Policy Donations soon after entering the industry, hoping to contribute more to the community. From family to career, Lily continues to pursue music as her dream, and wish to create more possibilities for herself and those whom she cares. 



Garry Chan，Regional Senior General Manager at YFLife Insurance/Musician/Artiste，Life Coach 



Garry Chan is an experienced General Manager with a considerable history of working in the insurance industry. He is a skilled manager, with an acumen in strategic planning, team building, training, management, and leadership. As a career coach and motivational speaker, he is also responsible for providing mentorship and coaching to key figures in the industry and Hong Kong such as Lily Hung and Coffee Lam, as well as numerous another professionals and adults.



 ▶ Connect with Guest 



Reach Out to Lily: 



Facebook: <a href="http://facebook.com/LilyHong25/">facebook.com/LilyHong25/</a> 



Instragram: <a href="http://nstagram.com/myyflife/">instagram.com/myyflife/ </a>



Reach Out to Garry: 



Email: garrychan.yk@gmail.com 



Website: <a href="http://wonecytmo.wixsite.com/garrychan">wonecytmo.wixsite.com/garrychan</a>



▶ Disclaimer:



This disclaimer informs readers/audience that the views, thoughts, and opinions expressed in the text/video belong solely to the author &amp; participant, and not necessarily to the participant&#8217;s employer, organization, committee or other group or individual.



As it can be difficult to catch some minor errors, transcripts may contain a few typos or inaccuracies.



This might be painfully obvious &#8211; Please note the following legal conditions:



Denzity owns the copyright in and to all content in and transcripts of Denzity’s video programs and publications (collectively referred to as “Denzity Materials&#8221;, with all rights reserved and its right of publicity.



You are welcome to share the below transcript (up to 500 words but not more) in media articles (e.g., The South China Morning Post, Bloomberg, New York Times), on your website, in a non-commercial article or blog post (e.g., Medium and WordPress), and/or on a personal social media account for non-commercial purposes, provided that you include attribution to “Denzity” and link back to the denzity.io/blog URL. For the sake of clarity, media outlets with advertising models are permitted to use excerpts from the transcript per the above.



No one is authorized to copy any portion of the Denzity Materials or use Denzity’s name, image or likeness for any commercial purpose or use, including without limitation inclusion in any books, e-books, book summaries or synopses, or on a commercial website or social media site (e.g., Facebook, Twitter, Instagram, etc.) that offers or promotes your or another’s products or services.



Enjoy!

insurance

How to Overcome Adversity and Obstacles?ft. Garry Chan & Lily Hung

Purchasing property can often turn into a hair-wringing exercise:



<ul><li>What should I buy?</li><li>Where do I look?</li><li>Whom should I trust?</li></ul>



Investors have had to face these worries time and again. But the way that we find real estate information, both locally and overseas, might be about to change drastically. If you’re looking for properties, this crucial shift could bring you innumerable benefits. Let us explain.



On Oct 28th, 2021, the <a href="https://www.consumer.org.hk/en">Consumer Council</a> (an independent statutory authority whose role is to enhance consumer welfare and empower consumers) released a report titled “Purchase of Properties Outside Hong Kong – A Study on Enhancing Consumer Protection”. It has created a wave of discussions within the industry.&nbsp;



You can read the entire report <a href="https://www.consumer.org.hk/en/press-release/purchase-of-poh">here</a>.



<figure class="wp-block-image"><img src="https://lh6.googleusercontent.com/h0Z3ZGpDqyaYd0UfOQ6Gt-Fs2Z_IUT4YMBUnQgNZZckdbc6H4Zpybvo1sIED4cHkFXCZ5Use6bBxVzgWli4KGtZyV7eimov2VhqgqDjvfd4T6H9SilogjAbz1T4M6_vkKGNLuil_" alt=""/></figure>



To summarise:



Since the 90s, local property agents have been licensed under the <a href="https://www.elegislation.gov.hk/hk/cap511">Estate Agents Ordinance </a>(EAO), whereas “Properties Outside Hong Kong” (“POH”) agents are exempted from licensing. This means that overseas properties can be sold by both licensed and unlicensed agents. Over the last few years, POH-related complaints have increased significantly, citing inaccurate and misleading property advertisements. Between 2018 and 2019, the Consumer Council received 27 and 37 complaints. The number rose to 56 by 2020, and has even skyrocketed to 106 in the first eight months of 2021!



Some tricks to deceive home buyers are the following:



<ul><li>The exaggeration of returns and <a href="https://www.hk01.com/article/694488?utm_source=01appshare&amp;utm_medium=referral">unit size</a>,&nbsp;</li><li>The publishing of fallacious property addresses in advertisements,&nbsp;</li><li>Missing important documents,&nbsp;</li><li>Agents not even knowing how to <a href="https://www.scmp.com/news/hong-kong/society/article/3154339/hong-kong-property-agents-who-sell-homes-overseas-should-be">read the language</a> of their advertising material,</li><li>Refunds that can be almost impossible to get back</li></ul>



In light of this, the report states <a href="https://www.consumer.org.hk/en/press-release/purchase-of-poh">5 recommendations</a> to protect Hong Kong consumers. In essence, the situation has urged the Consumer Council to call for an increase in regulations on POH agents, including licensing, and tighter control of advertisement information.



<figure class="wp-block-image"><img src="https://lh5.googleusercontent.com/Q287XbygolccjNoPG8qMBmlqWx8Q1NwwK_IB0EnZ88SISrLWsUfCwcL94buKz0gfKeL2kVlzgB59D-7QrdmNsZJ9TlpFiDZtmV9bcO5kDa45InvRdee_L_2bQWtki_C88EejCBo3" alt=""/></figure>



As a whole, we are overjoyed that the Consumer Council has raised the urgency of having a code of conduct in the real estate industry. This is one of the main reasons behind why we built <a href="https://www.denzity.io/">Denzity</a> in the first place! But while regulating the real estate industry might be needed, it should not be the first line of defence. More regulations may risk stifling the industry, as highly competitive as it already is. Undoubtedly, many big firms would eventually adapt, but smaller companies would be adversely affected &#8211; as the barrier of entry for new and small players is raised.



Instead, we need to look towards PropTech and Digitization! Here is why.



Before the pandemic, the traditional effective method of attracting homebuyers was to set up property exhibitions, providing a one-stop solution for real estate agents to introduce properties and try closing deals in person. Evidently, minimal technology has been a staple of the industry.



Post pandemic, the traditional model has been affected dramatically and property exhibition attendance has dropped by 15% yearly &#8211; from more than <a href="https://sohoapp.com/">1650 exhibitions</a> in 2019 to around 1400 exhibitions by the end of 2021! Everything has digitally migrated and the biggest problem investors and homebuyers face today is how hard it is to find real estate information. Aggravatingly, the bare minimum you can expect to find tends to be fragmented and unreliable. This not only creates the perfect environment for scams and malpractices to fester but severely undermines the customer experience, reflecting poorly on the entire industry itself.



The root cause is this &#8211; there is no centralized source for accessing trusted information and expert opinions.



This dynamic has clearly shifted:



Digital marketing has become more crucial for real estate companies to attract potential investors. <a href="https://www.mingtiandi.com/">77% of investors</a> prefer real estate companies with an online presence to vet their expertise, and <a href="https://www.mingtiandi.com/">73% of owners</a> prefer agencies that have high digital marketing capabilities.&nbsp;



While other industries have a trust-building ecosystem online (such as <a href="https://www.openrice.com/zh/hongkong">Openrice</a> for restaurants and <a href="https://www.trivago.com.my/">Trivago</a> for air travel) to help users navigate the market, community building has the potential to become an important fact-finding tool within the property market.&nbsp;



We must support companies that share the value of delivering trusted sources and holding themselves accountable. All stakeholders involved should be supporting digital and PropTech efforts to create clear channels of information sharing, where investors and homebuyers have the ability to respond to shady practices and poor customer service &#8211; such that it becomes harder for bad actors in the industry to escape scrutiny, automatically punishing misconduct with a “time-out” from the market!



So, where do we stand now?



Already, more than 80% of real estate companies have increased their digital marketing budgets <a href="https://www.mingtiandi.com/">by 50%</a>. The last three years have also seen over <a href="https://wordpress.denzity.io/blog/2021/04/29/proptech-institute-proptech-landscape-in-hong-kong/">100 startups</a> in Hong Kong step into the PropTech space. But there is still a long way to go. While the figure may be growing fast, only 150 out of 3,888 licensed real estate companies in Hong Kong have an online presence.&nbsp;



We can no longer ignore the power of technology &#8211; it can be the solution that ends industry malpractice and misinformation. Meanwhile, regulation can be a secondary safety net, to catch any cases that fall through.



Our Take-Away:



As real estate professionals ourselves, we share the same frustrations as others in the industry. This issue was the exact reason Denzity was founded and what drives us forward! Investors and homebuyers should feel empowered and educated, with easy access to a larger variety of options and information when it comes to finding properties online.



We want to work with credible companies that take the responsibility of putting forth their best information and engage sincerely with the community. If you are part of the industry and feel the same as we do, reach out to us. Let’s discuss how we can help and build an ecosystem that’s efficient, investor-friendly and reliable.



Contact Us <a href="mailto:darren@denzity.io">here</a> !



Blog: <a href="https://www.denzity.io/blog">https://www.denzity.io/blog</a> LinkedIn: <a href="https://www.linkedin.com/company/denzity">https://www.linkedin.com/company/denzity</a> Facebook: <a href="https://www.facebook.com/Denzity.io">https://www.facebook.com/Denzity.io</a> Instagram: <a href="https://www.instagram.com/denzity.io/">https://www.instagram.com/denzity.io/</a>



Our community has something to say:



“Our team at CBRE Asia Pacific is so glad that the Consumer Council is paying attention to the overseas residential market in Hong Kong and is calling for regulation. It ensures that buyers are protected when making important decisions such as where to invest their money.



As a fully licensed EAA business, CBRE Asia Pacific ensures all necessary due diligence is acquired on any development we bring to the market and we pride ourselves on working with best in class developers. Conducting proper due diligence and providing accurate insights is crucial in our role in the industry. We look forward to discussing more with other leaders in the industry on how we can build a better framework to benefit society at large.”



Ludo Downey



Head of International Residential Sales



<a href="https://www.cbre.com.hk/en/">CBRE</a> Asia Pacific







“At Asia Bankers Club, we always strive to ensure the accuracy of information we give out in regards to our projects to protect, to the best of our abilities, the interest of our buyers. As real estate professionals and investors ourselves, we understand our buyers’ needs therefore we perform due diligence for all of our projects. This proposed legal change is welcomed as we recognise the importance of a comprehensive service from selling to delivering our projects.”



Kelvin Wu&nbsp;



Executive Director&nbsp;



<a href="https://www.asiabankersclub.com/">Asia Bankers Club</a>







“As a professional real estate agent, I agree that overseas property agents should be under an examination and licensing system. However, I&#8217;m also concerned the existing &#8220;Estate Agents Ordinance&#8221; may not cover all situations, since property sales abroad involve various countries. It would be difficult to establish a standard set of regulations in Hong Kong. I foresee issues arising in relation to regulation, training and licensing.&nbsp; This matter would benefit from consultation with different shareholders.”



Manci Man



Co-Owner &amp; Managing Director



 <a href="https://www.c21-international.com/en/aboutus">Century 21 Goodwin International</a>

ConsumerCouncil

The Way We Search For Properties Is About To Change | Here’s Why

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<iframe loading="lazy" title="成功、勝利與偉大 ft. 陳逸汮, 康子妮 // Success, Winning &amp; Greatness ft. Garry Chan, Lily Hong" width="580" height="326" src="https://www.youtube.com/embed/420A6fdaqU0?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture" allowfullscreen></iframe>
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In today&#8217;s Lens Episode, we chat with Lily Hong &#8211; musician and actress turned wealth manager &#8211; and Regional Senior General Manager Garry Chan from YF Life WONE.



The relationship that Lily and Garry share is double-fold &#8211; one that of a manager/employee and the other that of a coach/coachee. Ever since Lily has transitioned into the Insurance industry, Garry has been there guiding her every step of the way. Together, they reflect on what it means to win, the difference between a coach and a manager, and what separates the great from the good!



According to both of them, the important distinct between a coach and a manager is that a manager is responsible for achieveing certain goals, and he assumes a teacher-like position in the life of his employees, guiding them to improve KPIs and perform their best in the employment setting. A coach, however, is involved in a two-communication. He&#8217;s isn&#8217;t just advising his coachee &#8211; he&#8217;s listening to their needs and trying to discover a vision for them that they themselves may be unaware of. Lily testifies to the power of such a guide in her life!



For Lily, the concept of winning was always intimidating, and she never enjoyed the prospect of competition. It&#8217;s when she came to view winning as a collaborative effort, especially in the insurance space, did she start to appreciate the empowering effect it has on her and her colleagues. Garry, as a leader and coach, points to the inspirational spirit that winning can instill not just in an individual but amongst those surrounded by him. Winning together, they both espouse, is a very powerful experience!



They continue onto discussing how one can go from &#8220;good to great&#8221; by practicing a certain mindset, and whether fear has any value in motiviating winners. Garry also gives us a little insight into the success of another one of his mentees, famous actress and youtube Coffee Lam. Sit tight and tune in to hear the entirety of the conversation above!



▶ About the guest:



Lily Hong，Risk and Wealth Management Manager at YFLife Insurance/Musician/Artist 



Lily Hong started her career at TVB as an artiste, singer, musician, and KOL. In mid 2010, Lily entered the insurance industry; she obtained the MDRT and COT million dollar round table membership within six months of joining the company and has also won the company new agent award champion in the same year. In addition, Lily hopes to make a contribution to society; she participated in the Policy Donations soon after entering the industry, hoping to contribute more to the community. From family to career, Lily continues to pursue music as her dream, and wish to create more possibilities for herself and those whom she cares. 



Garry Chan，Regional Senior General Manager at YFLife Insurance/Musician/Artiste，Life Coach 



Garry Chan is an experienced General Manager with a considerable history of working in the insurance industry. He is a skilled manager, with an acumen in strategic planning, team building, training, management, and leadership. As a career coach and motivational speaker, he is also responsible for providing mentorship and coaching to key figures in the industry and Hong Kong such as Lily Hung and Coffee Lam, as well as numerous another professionals and adults.



 ▶ Connect with Guest 



Reach Out to Lily: 



Facebook: <a href="http://facebook.com/LilyHong25/">facebook.com/LilyHong25/</a> 



Instragram: <a href="http://nstagram.com/myyflife/">instagram.com/myyflife/ </a>



Reach Out to Garry: 



Email: garrychan.yk@gmail.com 



Website: <a href="http://wonecytmo.wixsite.com/garrychan">wonecytmo.wixsite.com/garrychan</a>



▶ Disclaimer:



This disclaimer informs readers/audience that the views, thoughts, and opinions expressed in the text/video belong solely to the author &amp; participant, and not necessarily to the participant&#8217;s employer, organization, committee or other group or individual.



As it can be difficult to catch some minor errors, transcripts may contain a few typos or inaccuracies.



This might be painfully obvious &#8211; Please note the following legal conditions:



Denzity owns the copyright in and to all content in and transcripts of Denzity’s video programs and publications (collectively referred to as “Denzity Materials&#8221;, with all rights reserved and its right of publicity.



You are welcome to share the below transcript (up to 500 words but not more) in media articles (e.g., The South China Morning Post, Bloomberg, New York Times), on your website, in a non-commercial article or blog post (e.g., Medium and WordPress), and/or on a personal social media account for non-commercial purposes, provided that you include attribution to “Denzity” and link back to the denzity.io/blog URL. For the sake of clarity, media outlets with advertising models are permitted to use excerpts from the transcript per the above.



No one is authorized to copy any portion of the Denzity Materials or use Denzity’s name, image or likeness for any commercial purpose or use, including without limitation inclusion in any books, e-books, book summaries or synopses, or on a commercial website or social media site (e.g., Facebook, Twitter, Instagram, etc.) that offers or promotes your or another’s products or services.



Enjoy!

success

winning

Success, Winning & Greatness ft. Garry Chan, Lily Hong

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Property Markets across the world were taken by surprise in the past 2 years, with the pandemic and lockdowns shutting down livelihoods in a matter of days. However, now that the situation is finally under control in many pockets of the world, how has real estate interest perked back up and what does the real estate scene look like? 



In this Insights episode, we visit the CBRE offices to ask industry veteran Ludo Downey about the post-pandemic UK market! 



He paints us a very concise and clear picture of the bounce-back that is being witnessed in the UK right now, with mortgage lending having seen increased of 29% both month on month and year on year since the previous year. In August 2021 alone, 65, 600 home loans were approved. Ludo goes on to sharing many interesting insights into the situation. 



Being a veteran, Ludo goes on to sheds a light on the opportunities that could await potential investors and homebuyers should they wish to benefit from the unique conditions of the healthy market &#8211; both inside Prime Central London and farther out of the main hub! Give the episode a quick watch to equip yourself with best information before taking a dive into the UK property world!



▶ Register interest for Lampton Parkside: <a href="https://bit.ly/3B8MYps">https://bit.ly/3B8MYps</a> &nbsp;



 ▶ About the company:



CBRE is one of the the world&#8217;s biggest commercial real estate services companies. Being named one of fortune’s “Most Admired Companies” for 



CBRE Group, Inc. is the world’s largest commercial real estate services and investment firm, with 2018 revenues of $21.3 billion and more than 100,000 employees (excluding affiliate offices). We has been become the Fortune 500 since 2008, and ranked #122 in 2021.



As the world’s largest real estate firm, we have a vast of resources and expertise supporting, together with local experienced international project team to provide you the best-in-class developments and investment portfolios. CBRE is a listed company on the New York Stock Exchange and we are licensed and regulated by the Hong Kong Estate Agents Authority.



Whether for investment or own use, we offer broad range of integrated services, from property sales &amp; investment, letting &amp; management, or even re-sale services etc., we serve you diligently in every important step.



 ▶ Connect with Guest: Phone: 2820 2800



▶ Disclaimer:



This disclaimer informs readers/audience that the views, thoughts, and opinions expressed in the text/video belong solely to the author &amp; participant, and not necessarily to the participant’s employer, organization, committee or other group or individual. As it can be difficult to catch some minor errors, transcripts may contain a few typos or inaccuracies.



Please note the following legal conditions:



Denzity owns the copyright in and to all content in and transcripts of Denzity’s video programs and publications (collectively referred to as “Denzity Materials”, with all rights reserved and its right of publicity.



You are welcome to share the below transcript (up to 500 words but not more) in media articles (e.g., The South China Morning Post, Bloomberg, New York Times), on your website, in a non-commercial article or blog post (e.g., Medium and WordPress), and/or on a personal social media account for non-commercial purposes, provided that you include attribution to “Denzity” and link back to the denzity.io/blog URL. For the sake of clarity, media outlets with advertising models are permitted to use excerpts from the transcript per the above. ParagraphParagraph



No one is authorized to copy any portion of the Denzity Materials or use Denzity’s name, image or likeness for any commercial purpose or use, including without limitation inclusion in any books, e-books, book summaries or synopses, or on a commercial website or social media site (e.g., Facebook, Twitter, Instagram, etc.) that offers or promotes your or another’s products or services.

cbre

UK Property Market: What Opportunities Await Hong Kong Investors?  | Denzity ft. CBRE

<div>

<iframe loading="lazy" title="UK Property: What Opportunities Await Hong Kong investors? // 現時是香港投資者的黃金機會 ? ft. CBRE&#039;s Ludo Downey" width="580" height="326" src="https://www.youtube.com/embed/wLLsfrkNbMo?feature=oembed&#038;enablejsapi=1&#038;origin=https://portal.denzity.io" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture" allowfullscreen></iframe>

Come and check this out !
<ul>
 	<li style="font-weight: 400;" aria-level="1">
<h2>Property Highlight</h2>
➲ Excellent location｜Easy commute to Canary Wharf and London
➲ Strong demand｜The first phase units are all rented out within 7 days
➲ Transportation network｜Close to the city airport
➲ Greening Landscape｜Proximity to nature and greenery via Millennium Green
➲ High-quality community｜Comprehensive community facilities, 15-minute steps have perfect living facilities, such as supermarkets, schools</li>
</ul>
<div style="width: 100%; text-align: center;"><img loading="lazy" class="alignnone size-medium wp-image-431" src="https://storage.googleapis.com/stateless-prod-portal/sites/25/2021/10/WhatsApp-Image-2021-10-12-at-10.37.54-300x157.jpeg" alt="" width="300" height="157"></div>
</div>
<div style="width: 100%; text-align: left;">Property Details:</div>
<div>

 NU living, innovative in-house developer for Swan Housing, announces the launch of Parkside West, Phase 2 at Blackwall Reach. One of London’s most ambitious and exciting regeneration projects, Blackwall Reach is positively transforming a previously neglected area into a thriving community for both single professionals, couples and larger families.


<div style="width: 100%; text-align: center;"><img loading="lazy" class="size-full wp-image-523 aligncenter" src="https://storage.googleapis.com/stateless-prod-portal/sites/25/2021/10/image.jpeg" alt="" width="252" height="200"></div>
Property Developer:
 
NU living is a design-led, innovative developer with an ethical stance, committed to putting customers first and providing homes that reflect 21st Century expectations and lifestyles. NU living is making a difference creating homes people love, in places where they want to build their futures.
 
They build, regenerate and sustain communities from their profits that are reinvested within Swan Group to fund the next project to provide quality affordable homes.

<div style="width: 100%; text-align: center;"><img src="https://www.nuliving.co.uk/application/themes/nuliving/images/logo-2017@2x.png" alt="NU living: Creating new build homes in East London &amp; Essex"></div>




</div>
Perfect Location
➲ 8 mins to Canary Wharf
➲ 10 mins to Stratford
➲ 11 mins to Tower Gateway
➲ 15 mins to London Bridge
➲ 23 mins to Oxford Street
World Renowned Education
➲ 10 mins to East London Arts and Music
➲ 24 mins to University of Greenwich
➲ 24 mins to UCL East
➲ 33 mins to Goldsmiths University of London

<div style="width: 100%; text-align: center;"><img loading="lazy" class="alignnone size-medium wp-image-433" src="https://storage.googleapis.com/stateless-prod-portal/sites/25/2021/10/WhatsApp-Image-2021-10-12-at-10.40.15-300x200.jpeg" alt="" width="300" height="200"></div>

London 倫敦

United Kingdom 英國

NU living

Apartment

Blackwall Reach | London | Attractive Neighborhood

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<iframe loading="lazy" title="UK Property: What Opportunities Await Hong Kong investors? // 現時是香港投資者的黃金機會 ? ft. CBRE&#039;s Ludo Downey" width="580" height="326" src="https://www.youtube.com/embed/wLLsfrkNbMo?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture" allowfullscreen></iframe>
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Come and check this out !&nbsp; 


<div>
<div>&nbsp;</div>
<div>Check out the Lampton Parkside Video: <a href="https://bit.ly/3mfI9qh">https://bit.ly/3mfI9qh</a></div>
<div style="width: 100%; text-align: center;"><img loading="lazy" class="size-medium wp-image-485 aligncenter" src="https://storage.googleapis.com/stateless-prod-portal/sites/25/2021/10/WhatsApp-Image-2021-10-18-at-11.07.04-300x195.jpeg" alt="" width="300" height="195"></div>
➲Excellent connectivity | being only a four-minute walk away from the nearest tube station, Hounslow Central, making Central London reachable in 27 minutes
➲Prime developments｜Global corporations and Heathrow Airport within close proximity, which offers fantastic employment opportunities
➲Prosperous rental service｜Strong professional and corporate tenant demographic
➲Quality Education |Nine schools within a 2.2-mile radius of Lampton Parkside with an Outstanding OFSTED rating
➲Strong appreciation｜Strong rental yields Healthy capital appreciation over the next five years
➲Well-equipped facilities｜A plethora of shopping options close by, including Westfield Shopping Centre only 20 minutes away
➲Green landscape｜40-acres of green space and parkland on the doorstep on Lampton Parkside
<div style="width: 100%; text-align: center;"><img loading="lazy" class="size-medium wp-image-480 aligncenter" src="https://storage.googleapis.com/stateless-prod-portal/sites/25/2021/10/WhatsApp-Image-2021-10-18-at-11.21.02-300x176.jpeg" alt="" width="300" height="176"></div>
<div>&nbsp;</div>
<div style="width: 100%; text-align: center;"><img loading="lazy" class="size-full wp-image-450 aligncenter" src="https://storage.googleapis.com/stateless-prod-portal/sites/25/2021/10/Screenshot-2021-10-12-185721.jpg" alt="" width="223" height="136"></div>
</div>
<div style="width: 100%; text-align: center;"><img loading="lazy" class="size-medium wp-image-448 aligncenter" src="https://storage.googleapis.com/stateless-prod-portal/sites/25/2021/10/Screenshot-2021-10-12-184430-300x222.jpg" alt="" width="300" height="222"></div>

Parkside Living
 
Be part of Lampton Parkside and embrace a happy, healthy and refreshing lifestyle. It combines the vibrant culture and opportunities of London with all the benefits of open space and nature
Excellent Traffic
Located on the doorstep of 40-acres of green space at Lampton Park, while being perfectly placed for excellent transport links into Central London, with Hounslow Central station just a four-minute walk away, and Heathrow Airport reachable in less than 15 minutes by car.
Expected Completion:&nbsp;Q3 2023 &#8211; Q2 2028
▶Register interest for Lampton Parkside:<a href="http://bit.ly/3B8MYps"> bit.ly/3B8MYps</a>

<div style="width: 100%; text-align: center;"><img loading="lazy" class="size-medium wp-image-481 aligncenter" src="https://storage.googleapis.com/stateless-prod-portal/sites/25/2021/10/WhatsApp-Image-2021-10-18-at-11.21.46-300x206.jpeg" alt="" width="300" height="206"></div>