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Mortgage一問 [複製鏈接]

lemonnosugar

大宅

積分: 1185

1^#

發表於 08-2-10 14:44 |只看該作者 |倒序瀏覽 |打印

我而家供僅層樓, 首期三成, 準備賣咗佢. 啱啱睇中咗層樓, 但我只有0.5%首期. 銀行會唔會批mortgage 俾我? 若果我賣咗層樓, 我會放埋29.5%首期, 咁又得唔得呢?

0 0 0

;-)

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happy_mum

大宅

積分: 2132

2^#

發表於 08-2-10 21:01 |只看該作者

It sound like a pretty risky thing to do to me.

The bank couldn't care less how much you would pay for your deposit. All they care is your ability on return the loan that you apply for. However, the bank would not loan you more than 70% of their evaluation price. You have to come up with the rest of the 30% deposit by whatever means.

Do you have a back up plan should you not able to sell your present flat and come up with the money in time to pay for your deposit of your targeted flat?

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Teresa

珍珠宮

積分: 35965

畀面勳章

3^#

發表於 08-2-10 21:15 |只看該作者

原文章由 lemonnosugar 於 08-2-10 14:44 發表
我而家供僅層樓, 首期三成, 準備賣咗佢. 啱啱睇中咗層樓, 但我只有0.5%首期. 銀行會唔會批mortgage 俾我? 若果我賣咗層樓, 我會放埋29.5%首期, 咁又得唔得呢? ...

銀行只會借7成比你. 如果你要借到9成OR9成半, 就要搵埋HKMC. 至於HKMC批唔批呢2成OR2成半, 就要CHECK好多野: 全家總收入, 現時供樓開支(就算你打算賣左現居佢都唔會理, 總之你一日未賣又供緊, 佢地都會當你係一個"負債"), 每月卡數, 貸款, 甚至係每月定期O係簿仔既支出..... 一句講哂, 佢地既批核嚴過銀行好多好多.

總之乜野支出都同你計清, 而剩番既錢, 就係你供新樓既能力. 可以同你講, 唔好咁老定一定批. 我之前以為可以做到9成半MORTGAGE, 最後只能做9成.

所以, 一係你就唔好買新樓住, 搵左銀行做新樓既估價同埋同你計下做到9成半MORTGAGE既機會有幾大先. 如果唔係, 你到時2頭唔到岸就好慘架喇.