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Baby Kingdom - 親子王國香港討論區 › 首頁 › 樓市動向› 幫我選選邊個按揭plan最抵最好?

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幫我選選邊個按揭plan最抵最好? [複製鏈接]

cwinnie

大宅

積分: 4981

1^#

發表於 09-8-25 12:01 |只看該作者 |倒序瀏覽 |打印

Plan A (Standard Chartered Bank)
Interest Rate: 1st 3 years (1 month) H + 0%, thereafter H + 0.8% cap Prime Rate - 2.5% = 2.75% (Prime Rate = 5.25%)
Cash Rebate : NIL
Penalty Period: NIL

or

Interest Rate: (1 month) H + 0.8%, cap Prime Rate - 2.5% = 2.75% (Prime Rate = 5.25%)
Cash Rebate : 0.5% - 0.7%
Penalty Period: 2%
or

Interest Rate: Prime Rate - 3.15% = 2.1% (Prime Rate = 5.25%)
Cash rebate : 0.6%
Penalty Period: 2% * 0.5% * 0.5%

Plan B(Bank of China)
Interest Rate: Prime Rate - 2.95% = 2.05% (Prime Rate = 5%)
Cash Rebate : 1%
Penalty Period: 1%

or

Interest Rate: (1 month) H + 0.8% cap Prime Rate - 2.25% - 2.5% = 2.75% - 2.5% (Prime Rate = 5%)
Cash Rebate : 0.5%
Penalty Period: 2% * 1%

Plan C (CCB)
Interest Rate: (3 month) H + 0.7% cap Prime Rate - 2.7% = 2.55% (Prime Rate = 5.25%)
Cash Rebate : NIL
Penalty Period: 0.5%
or
Interest Rate: Prime Rate - 3.1% = 2.15% (Prime Rate = 5.25%)
Cash rebate : 1%
Penalty Period: 2% * 1% * 0.5%

Plan D (BEA)
Interest Rate: Prime Rate - 3.25% = 2% (Prime Rate = 5.25%)
Cash rebate : 0.8% - 1%
Penalty Period: 2% * 1%

or
interest Rate: 1 month) H + 0.8% cap Prime Rate - 2.25% = 3% (Prime Rate = 5.25%)
Cash Rebate : NIL
Penalty Period: 1st 6 months 1%
Plan E ( HSBC )
Interest Rate: Prime Rate - 2.95% = 2.05% (Prime Rate = 5%)
Cash Rebate : 1%
Penalty Period: 1%

Plan F (Hang Seng Bank )
Interest Rate: 1 month) H + 1% cap Prime Rate - 2.5% = 2.5% (Prime Rate = 5%)
Cash Rebate : 0.2%
Penalty Period: 0.5%

or

Interest Rate: Prime Rate - 2.9% = 2.1% (Prime Rate = 5.25%)
Cash Rebate : 1%
Penalty Period: 1%

好煩...唔識計邊個好.

0 0 0

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ciliega

大宅

積分: 1235

2^#

發表於 09-8-25 12:47 |只看該作者

就咁睇東亞都唔錯喎~

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peipeibb

大宅

積分: 2560

3^#

發表於 09-8-26 12:53 |只看該作者

原帖由 ciliega 於 09-8-25 12:47 發表
就咁睇東亞都唔錯喎~

你層係新樓? 定做轉按?
點解東亞會做到咁平?

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winkho

大宅

積分: 3186

4^#

發表於 09-8-26 13:59 |只看該作者

wow,You're big client.
我親戚係銀行做, 佢幫我睇過晒d銀行按揭plan, 最平都係ccb 同wing hang.
我剛去交完資料:
(1)CCB 做 h(3mths) +0.7%
cap: prime(5.25)-2.75
cash rabate 1%
or p-3.15%
peanlty 3yrs

(2)WING HANG 第一年1.7%
然後Prime(5.25)-3.18%
cash rabate 0.8%

我都試過問中銀, 但只後比到p-2.9%, 仲唔比h 我, 因為我借1.2m , 屬於細客仔唔蘇我.
但你全部paln都好優惠, 好正.
我個人就會選擇p plan, 因為波幅冇咁大, 我係穩陣派. 如果跟據你的p plan來看, 都會選bea做啦.
但都好想八掛下, 你的按揭金額係多少? 因為d plan 真係好正, 應該金額幾大下. (純粹八掛, 唔想講都得)

2h ma ma

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cwinnie

大宅

積分: 4981

5^#

發表於 09-8-26 14:12 |只看該作者

我都係借110萬都唔夠.
細客仔來咋...

原帖由 winkho 於 09-8-26 13:59 發表
wow,You're big client.
我親戚係銀行做, 佢幫我睇過晒d銀行按揭plan, 最平都係ccb 同wing hang.
我剛去交完資料:
(1)CCB 做 h(3mths) +0.7%
cap: prime(5.25)-2.75
cash rabate 1%
or p-3.15%
peanlty 3yrs

(2) ...

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cwinnie

大宅

積分: 4981

6^#

發表於 09-8-26 14:13 |只看該作者

新買二手樓來架, 仲要係細客仔!

原帖由 peipeibb 於 09-8-26 12:53 發表

你層係新樓? 定做轉按?
點解東亞會做到咁平?

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peipeibb

大宅

積分: 2560

7^#

發表於 09-8-26 15:01 |只看該作者

原帖由 cwinnie 於 09-8-26 14:13 發表
新買二手樓來架, 仲要係細客仔!

checek pm! 我剛問完BEA 都無你咁平喎!

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gigi1020

珍珠宮

積分: 47029

好媽媽勳章畀面勳章環保接龍勳章 hashtag影視迷勳章

8^#

發表於 09-8-26 15:15 |只看該作者

1.Plan D (BEA)
Interest Rate: Prime Rate - 3.25% = 2% (Prime Rate = 5.25%)
Cash rebate : 0.8% - 1%
Penalty Period: 2% * 1%

2.Plan E ( HSBC )
Interest Rate: Prime Rate - 2.95% = 2.05% (Prime Rate = 5%)
Cash Rebate : 1%
Penalty Period: 1%

3.Plan B(Bank of China)
Interest Rate: Prime Rate - 2.95% = 2.05% (Prime Rate = 5%)
Cash Rebate : 1%
Penalty Period: 1%

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winkho

大宅

積分: 3186

9^#

發表於 09-8-31 13:24 |只看該作者

原帖由 gigi1020 於 09-8-26 15:15 發表
1.Plan D (BEA)
Interest Rate: Prime Rate - 3.25% = 2% (Prime Rate = 5.25%)
Cash rebate : 0.8% - 1%
Penalty Period: 2% * 1%

2.Plan E ( HSBC )
Interest Rate: Prime Rate - 2.95% = 2.05% (Prime Rat ...

原來bea真係咁優惠, 等我又去問下先.
2h ma ma

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mtc

男爵府

積分: 7475

10^#

發表於 09-8-31 17:16 |只看該作者

但我問左要簽3年 ..

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winkho

大宅

積分: 3186

11^#

發表於 09-9-3 12:50 |只看該作者

原帖由 mtc 於 09-8-31 17:16 發表
但我問左要簽3年 ..

sorry, 唔係太明, 簽3年意思係頭3年罸息?
還是p-3.25係只得頭3年?
2h mama

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tommythumb

大宅

積分: 3655

12^#

發表於 09-9-3 14:10 |只看該作者

原帖由 winkho 於 09-8-31 13:24 發表

原來bea真係咁優惠, 等我又去問下先.
2h ma ma

如果只係睇利息，bea 確係幾好，不過佢通常要按揭客幫襯佢買保險(火險、家居保等等)！！佢保險個rate，都好貴下！！

所以，選擇按揭時要計埋呢 d 使費！！

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MM1031

禁止訪問

積分: 337

13^#

發表於 09-9-3 17:10 |只看該作者

提示: 作者被禁止或刪除內容自動屏蔽

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lo2heiyan

大宅

積分: 1269

14^#

發表於 09-9-3 22:20 |只看該作者

我剛選了揸打HIBOR Plan!!!

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kt1

子爵府

積分: 11195

15^#

發表於 09-9-3 23:49 |只看該作者

What is the rate and the penalty period for Standrad Chartered Bank?

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kt1

子爵府

積分: 11195

16^#

發表於 09-9-4 10:55 |只看該作者

Be careful of Chartered bank H+0% plan. If I am not wrong, when the H-rate increased and you are forced to pay the P-2.5 cap rate, you still have to pay the admin. fee. Thus, your actual rate will be P-2.5%+0.7% for the first three years.

This is the hidden charges and many people amy not be aware of it.

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lumijuli

子爵府

積分: 11541

17^#

發表於 09-9-4 11:06 |只看該作者

原帖由 kt1 於 09-9-4 10:55 發表
Be careful of Chartered bank H+0% plan. If I am not wrong, when the H-rate increased and you are forced to pay the P-2.5 cap rate, you still have to pay the admin. fee. Thus, your actual rate will be ...

yes
there is such a risk.
however, if the H keeps on lower than P by around 3%,
the 0.8% of the first 3 years would not be counted in the combined interest so it's really attractive.

I ask my husband to investigate on this.
he said the H would depend on the money supply and the P would depends on the economy status.
so it's really difficult to choose.

however, the current cap P-2.5 is still much lower than the offer in most of the times, so we choose this plan.

by the way, my husband told me that SC offer us H+0.7.