acutally, i dont know ar...
before, BOC only approved 65% mortgage..
after I said I find another bank, then they call me again and said approved 70%, but only 16years...
For NCB, they also claimed that they can last for 30 years, but it depends on the age of the house.
My house is 11 years, therefore, it only can last for 29 years, so i apply for 25 years...
For my experience, three banks only can apply lower than 70% mortgage, they said that if over 70%, it really danger. As HKMC need to inspect the house and re-valuate the house, if the valuation price is lower than that of the bank, then the mortgage will be lower.