British Expats

British Expats (https://britishexpats.com/forum/)
-   Middle East (https://britishexpats.com/forum/middle-east-60/)
-   -   Another Question (https://britishexpats.com/forum/middle-east-60/another-question-443027/)

justin riseborough Apr 18th 2007 8:08 am

Another Question
 
Me again.

Another question that one of you more experienced expats may be able to answer for me.

The package that I am being offered to work over here is all inclusive, so I have to pay for everything out of my salary. (in opinions, what would be a minimum, have wife and two kids, would prefer villa, but not essential)

The one thing that concerns me is the vehicle. How is easy is it to get credit, are they cheap to buy, run and insure. Do I need a local bank account as this seems to keep coming up in places that I am looking at, and if so, how easy to get.

Then there comes medical cover, any advice on this would be greatly appreciated, as this is weird having to think about this one as we have the NHS to fall back on here at home (for now).

Last question for now, have cats that my wife and kids are insistent on coming with us (kin expensive), is there any places in Dubai that I can leave them Kennels i assume, so that we can get settled, and does anybody know any links i can use to investigate.

Thanks again

Autonomy Apr 18th 2007 8:26 am

Re: Another Question
 

Originally Posted by justin riseborough (Post 4659169)
Me again.

Another question that one of you more experienced expats may be able to answer for me.

The package that I am being offered to work over here is all inclusive, so I have to pay for everything out of my salary. (in opinions, what would be a minimum, have wife and two kids, would prefer villa, but not essential)

The one thing that concerns me is the vehicle. How is easy is it to get credit, are they cheap to buy, run and insure. Do I need a local bank account as this seems to keep coming up in places that I am looking at, and if so, how easy to get.

Then there comes medical cover, any advice on this would be greatly appreciated, as this is weird having to think about this one as we have the NHS to fall back on here at home (for now).

Last question for now, have cats that my wife and kids are insistent on coming with us (kin expensive), is there any places in Dubai that I can leave them Kennels i assume, so that we can get settled, and does anybody know any links i can use to investigate.

Thanks again

car loans are very easy to get, you need to be resident though and have a bank account with a cheque book (as you have to write 48 post dated checques for the car loan) yes this country is that weird... direct debit is not a known facility....

Dubai Kennels and Cattery - these are the best but can get booked up well in advance - they can also help with the pet trnsport / customs etchttp://www.dkc.ae/

you need medical insurance - good health company seem reasonable....

axa for car insurance - get them to include Oman and offroad if you get a 4x4

good luck!

Miss Eck Apr 18th 2007 8:57 am

Re: Another Question
 

Originally Posted by justin riseborough (Post 4659169)
Me again.

Another question that one of you more experienced expats may be able to answer for me.

The package that I am being offered to work over here is all inclusive, so I have to pay for everything out of my salary. (in opinions, what would be a minimum, have wife and two kids, would prefer villa, but not essential)

The one thing that concerns me is the vehicle. How is easy is it to get credit, are they cheap to buy, run and insure. Do I need a local bank account as this seems to keep coming up in places that I am looking at, and if so, how easy to get.

Then there comes medical cover, any advice on this would be greatly appreciated, as this is weird having to think about this one as we have the NHS to fall back on here at home (for now).

Last question for now, have cats that my wife and kids are insistent on coming with us (kin expensive), is there any places in Dubai that I can leave them Kennels i assume, so that we can get settled, and does anybody know any links i can use to investigate.

Thanks again

I personally would not put them in a kennel unless of course you are going in to temporary accommodation. I brought my cat over from the UK and she settled in really well. I stayed in temp accommodation but was lucky that they allowed pets. The paperwork etc may seem like a nightmare, but it was worth it in the end. I used a British agency to arrange the import cert here. I can dig out the details later and send them to you.

Blue Cat Apr 18th 2007 9:01 am

Re: Another Question
 
I am sure there is something in the WIKI about cats etc.

You need alot of dosh out here, make sure you don't get ripped off! bearing in mind to get a 3 bed villa you are looking at nearly 200K, school fees are high as well.

justin riseborough Apr 18th 2007 9:06 am

Re: Another Question
 

Originally Posted by Autonomy (Post 4659222)
car loans are very easy to get, you need to be resident though and have a bank account with a cheque book (as you have to write 48 post dated checques for the car loan) yes this country is that weird... direct debit is not a known facility....

Dubai Kennels and Cattery - these are the best but can get booked up well in advance - they can also help with the pet trnsport / customs etchttp://www.dkc.ae/

you need medical insurance - good health company seem reasonable....

axa for car insurance - get them to include Oman and offroad if you get a 4x4

good luck!


When you say resident, is this having been in t he country for a set period of time, or would having my visa cover this

justin riseborough Apr 18th 2007 12:12 pm

Re: Another Question
 
Credit - how easy is it to get out in UAE. Struggled back home after being student etc

littlejimmy Apr 18th 2007 12:46 pm

Re: Another Question
 

Originally Posted by justin riseborough (Post 4660019)
Credit - how easy is it to get out in UAE. Struggled back home after being student etc

It's TOO easy. They don't check your credit rating from the UK.

Miss Eck Apr 18th 2007 12:47 pm

Re: Another Question
 

Originally Posted by justin riseborough (Post 4660019)
Credit - how easy is it to get out in UAE. Struggled back home after being student etc

Very! The banks just seem to throw it at you. But you have to be careful that you don't land yourself in debt.

Miss Eck Apr 18th 2007 12:48 pm

Re: Another Question
 

Originally Posted by justin riseborough (Post 4659363)
When you say resident, is this having been in t he country for a set period of time, or would having my visa cover this

It means residency visa and yes once you have that then that covers you.

arbroath_abroad Apr 18th 2007 12:48 pm

Re: Another Question
 

Originally Posted by Miss Eck (Post 4660149)
Very! The banks just seem to throw it at you. But you have to be careful that you don't land yourself in debt.

surely by taking credit, thats exactly what you are doing??

W10 Apr 18th 2007 12:52 pm

Re: Another Question
 

Originally Posted by littlejimmy (Post 4660147)
It's TOO easy. They don't check your credit rating from the UK.

But all credit in the UAE is a ****ing rip-off to be avoided if you can.

And the people selling them are just that - salesmen, they haven't a clue.

Sir, the flat rate is 4%...

So, what is the APR on that

Sir, the flat rate is 4%...

So that makes the APR about 12% then, on a ****ing car loan!!!

Sir, the flat rate is 4%

Miss Eck Apr 18th 2007 12:55 pm

Re: Another Question
 

Originally Posted by arbroath_abroad (Post 4660154)
surely by taking credit, thats exactly what you are doing??

Yes, but some people just go overboard here to fund a lavish lifesyle .. champagne living on soda water income.

Miss Eck Apr 18th 2007 12:56 pm

Re: Another Question
 

Originally Posted by W10 (Post 4660164)
But all credit in the UAE is a ****ing rip-off to be avoided if you can.

And the people selling them are just that - salesmen, they haven't a clue.

Sir, the flat rate is 4%...

So, what is the APR on that

Sir, the flat rate is 4%...

So that makes the APR about 12% then, on a ****ing car loan!!!

Sir, the flat rate is 4%


I have many conversations along these lines everyday. You just feel like saying 'answer the frigging question' :lol:

arbroath_abroad Apr 18th 2007 12:57 pm

Re: Another Question
 

Originally Posted by Miss Eck (Post 4660179)
Yes, but some people just go overboard here to fund a lavish lifesyle .. champagne living on soda water income.

then they are plain stoopid

Miss Eck Apr 18th 2007 12:58 pm

Re: Another Question
 

Originally Posted by arbroath_abroad (Post 4660192)
then they are plain stoopid

agreed!

W10 Apr 18th 2007 1:01 pm

Re: Another Question
 
It's not that, its because they don't have any financial quals at all. And when you ask to speak to an advisor they don't know what to do.

It's like the great 'reducing balance' con, some banks don't even do another type of loan.

justin riseborough Apr 18th 2007 1:41 pm

Re: Another Question
 
Can I thank you all once again for answering what must must be some tedious questions for you all, it is most appreciated, and I must say in many instance eye opening.

I am really glad that I have come on here before actually moving out there, not that this has dissuaded me in any way, still on my way, and hope to be there for the summer months.:thumbup:

shiftdelete Apr 18th 2007 1:55 pm

Re: Another Question
 
so can anyone answer OP's question- what is the minimum $ do you guys think- maybe on a scale from just surviving to saving some dough?

Blue Cat Apr 18th 2007 2:08 pm

Re: Another Question
 

Originally Posted by shiftdelete (Post 4660477)
so can anyone answer OP's question- what is the minimum $ do you guys think- maybe on a scale from just surviving to saving some dough?

difficult to say as it all depends on lifestyle, where you want to live etc.

Border Reiver Apr 19th 2007 8:03 am

Re: Another Question
 
You can't generalise. Blue Cat, being a Posh Geordie, would need a lot more to live on than somebody who, say, came from the Scottish Borders and was quite happy riding around on a horse and stealing cattle before they came to Dubai. Don't know who that would be mind...

Blue Cat Apr 19th 2007 8:18 am

Re: Another Question
 

Originally Posted by Border Reiver (Post 4665553)
You can't generalise. Blue Cat, being a Posh Geordie, would need a lot more to live on than somebody who, say, came from the Scottish Borders and was quite happy riding around on a horse and stealing cattle before they came to Dubai. Don't know who that would be mind...

that was my husband!!! :lol:

Lexylou Apr 19th 2007 8:27 am

Re: Another Question
 

Originally Posted by Border Reiver (Post 4665553)
You can't generalise. Blue Cat, being a Posh Geordie, would need a lot more to live on than somebody who, say, came from the Scottish Borders and was quite happy riding around on a horse and stealing cattle before they came to Dubai. Don't know who that would be mind...

I have wondered about your name.... Obviously I know what I reiver is but I just wondered if you are actually from the borders? Great place. If you are and you are male then I suspect you play rugby? Every guy I know from the borders plays rugby. I really like guys from the borders.

Meow Apr 19th 2007 8:36 am

Re: Another Question
 

Originally Posted by justin riseborough (Post 4659169)
Me again.

Another question that one of you more experienced expats may be able to answer for me.

The package that I am being offered to work over here is all inclusive, so I have to pay for everything out of my salary. (in opinions, what would be a minimum, have wife and two kids, would prefer villa, but not essential)

The one thing that concerns me is the vehicle. How is easy is it to get credit, are they cheap to buy, run and insure. Do I need a local bank account as this seems to keep coming up in places that I am looking at, and if so, how easy to get.

Then there comes medical cover, any advice on this would be greatly appreciated, as this is weird having to think about this one as we have the NHS to fall back on here at home (for now).
Last question for now, have cats that my wife and kids are insistent on coming with us (kin expensive), is there any places in Dubai that I can leave them Kennels i assume, so that we can get settled, and does anybody know any links i can use to investigate.

Thanks again

Decent medical cover is important. Please send me a PM & I can help you with this.

Be careful as there are a lot of unqualified financial advisers out here....

Eeyore Apr 19th 2007 9:59 am

Re: Another Question
 

Originally Posted by Autonomy (Post 4659222)
(as you have to write 48 post dated checques for the car loan) yes this country is that weird... direct debit is not a known facility....

I think it depends on where you're getting the loan from. If it's not from your bank, then you'll probably have to write the cheques. We got ours through our bank, so it's just taken as a direct debit each month, but we did have to write the security cheque for the full value of the car plus loan...


All times are GMT. The time now is 11:39 pm.

Powered by vBulletin: ©2000 - 2021, Jelsoft Enterprises Ltd.
Copyright © 2018 MH Sub I, LLC dba Internet Brands. All rights reserved. Use of this site indicates your consent to the Terms of Use.