樓市動向

跳至

首頁
1

尾頁
   0


大宅

積分: 4309


發表於 06-5-15 10:59 |顯示全部帖子

最優惠利率P

依家市場上有兩個P,HSBC同恒生係8%,其他係8.25%,大家認為遲D會唔會變番得一個P?如果會,係短時間1、2年會變番得一個P定係睇唔到幾時會變?依家做按揭,應該搵間低P的銀行(e.g.HSBC),定係搵間P-大d%的銀行呢?請賜教!


複式洋房

積分: 355


發表於 06-5-15 12:58 |顯示全部帖子

Re: 最優惠利率P

我就會揀"大笨象"銀行,

之前我用過細銀行仔, 當我要求佢減息ge時候, 佢就要求你寫信, 又提供入息證明, 又簽名等等.... 仲要等佢批, 前後浪費左三個月時間, 息都蝕埋俾佢啦...

我朋友用"大笨象", 打個電話就即時搞掂啦.....

仲有~~要求部份還款ge時候仲激氣, 手續煩到亞媽都唔認得呀.....

奉勸: 千祈唔好用"交 x 銀行", 我後悔到宜家呀....


大宅

積分: 4309


發表於 06-5-15 13:07 |顯示全部帖子

Re: 最優惠利率P

Sandyyip

Thank you very much.好彩我問吓先啫,”交x銀行”正是我選擇之一。不過我想問吓”大笨象”銀行即係邊間?


複式洋房

積分: 355


發表於 06-5-15 13:14 |顯示全部帖子

Re: 最優惠利率P

"大笨象”銀行 = hsbc

據我所知, hsbc 宜家做緊p-2.75, 仲送半年火險 &半年家居保險.... 我覺得都ok... 你不防考慮下啦....


大宅

積分: 3698


發表於 06-5-15 14:48 |顯示全部帖子

Re: 最優惠利率P

Sandyyip 寫道:
奉勸: 千祈唔好用"交 x 銀行", 我後悔到宜家呀....


Hi Sandyyip,

How come le? My fd recommends it to me tim, she said the 'package' is good wor! Thanks!


大宅

積分: 4309


發表於 06-5-15 14:48 |顯示全部帖子

Re: 最優惠利率P

我依家就係15、16,雖然HSBC 係P(8%)-2.75,即係5.25%,好似係全城最低,但係有d人又話遲d嗰都係會一樣,所以應該搵個P-%高d的銀行會好d,而且HSBC又無 cash rebate,但出面有好多銀行個rebate都幾吸引,所以我先至開嗰咁既topic問吓人囉!


大宅

積分: 3698


發表於 06-5-15 14:57 |顯示全部帖子

Re: 最優惠利率P

How about MortgageOne le? It seems quite attractive. Any comments le?

Thanks!


大宅

積分: 4309


發表於 06-5-15 15:12 |顯示全部帖子

Re: 最優惠利率P

BoMomMom,
MortgageOne? Is it the one from Standard Chartered? It doesn’t seem so attractive. They only offer me P-2.3 which is much higher than other bank.


大宅

積分: 4309


發表於 06-5-15 15:12 |顯示全部帖子

Re: 最優惠利率P

BoMomMom,
MortgageOne? Is it the one from Standard Chartered? It doesn’t seem so attractive. They only offer me P-2.3 which is much higher than other bank.


大宅

積分: 3698


發表於 06-5-15 15:27 |顯示全部帖子

Re: 最優惠利率P

Hi Ali_03,

Yes, Standard Chartered one... we are actually still studying the plans in the market, but we haven't really come to the details of Mortgage one, however, if you put savings there, it said it also counts as a repayment, etc... so we wanted to know more lor! Citibank also have a similar plan, we will have to study more before we come to a decision.


複式洋房

積分: 355


發表於 06-5-15 15:29 |顯示全部帖子

Re: 最優惠利率P

Hi BoMomMom, Ali_03,

我初時揀"交x銀行"就係因為佢回贈都有幾千蚊, 又少人排隊, 咪轉按lor.....

點知.....

- 個個月去排隊入$, 哪怕前邊得一個人都好, 我都要排超過半小時(最少), 前面如果有3個人, 你預一個鐘啦...... 點解呢? 原來間銀行永遠都係開一個counter, 唔會多, 其他職員只會幫人炒股票姐...仲要問親按揭ge野, 佢都叫你排隊啦...... 唔該~

- 間間銀行減息, 要求佢都減啦.... 點知佢話要: 工作證明, 入息證明, 申請減息信, 左簽名, 右簽名.....我問佢: 係唔係我失業就唔可能減息呀? 咁即係蝦窮人姐...... ?-(

- 好啦.... 借$難姐.... 還$應該冇咁難瓜.... 我話想還廿萬想慳d息啦...點知佢話要預一個月通知佢, 仲要左簽名右簽名, o個個月利息又蝕俾佢, 又話寫日期要寫得岩岩好, 真係搞到我人都癲... 銀行方面就話: 間間細銀行都係咁架啦...... 吹脹....

我真係萬萬估唔到, 當初攞左佢幾千蚊回贈, 宜家利息時間咩野都蝕晒俾佢啦.... 仲要一肚氣....

大家揀銀行, 希望考慮多d呢d細節, 或者問清楚銀行點樣方便自己, 一按就係10年架麻(少都), 無理由浪費自己ge時間架麻.....


大宅

積分: 4309


發表於 06-5-15 15:32 |顯示全部帖子

Re: 最優惠利率P


大宅

積分: 4309


發表於 06-5-15 15:35 |顯示全部帖子

Re: 最優惠利率P

BoMomMom,

My understanding in Standard Chartered MortgageOne is:
The interest of saving = mortgage rate (ie P-2.3%)
Thus, if you have much money in saving a/c, it would be benefit for you. For my case, I have not much money in saving, it is not useful for me.


大宅

積分: 3698


發表於 06-5-15 16:04 |顯示全部帖子

Re: 最優惠利率P

Ali_03,

Hehe, I don't have $$$ either That's why, we didn't make up any decision yet lor. I will let you know if we can find more jetso.

Thanks!

Sandyyip,

Thanks for sharing!


男爵府

積分: 7243


發表於 06-5-15 18:22 |顯示全部帖子

Re: 最優惠利率P

Mortgage One 只適合一d有多餘流動資金的人, 本身個按揭利率較高, 而且要收年費.
只會輸,不會贏的賭博你會賭嗎?


男爵府

積分: 7243


發表於 06-5-15 18:25 |顯示全部帖子

Re: 最優惠利率P

今日拆息抽高得好緊要, 銀行短期內可能會追加利息.
只會輸,不會贏的賭博你會賭嗎?

首頁
1

尾頁

跳至