會德豐地產旗下啟德GRANDE MONACO累售約151伙，套現逾22.1億港元，成交價由799.9萬至2,930萬元，平均呎價25,544元……
日期: 2021 年 4 月 4 日
How much stamp duty do I have to pay?
Currently, the Ad valorem stamp duty rate for residential property transactions is flat at 15 per cent.
Does credit rating affect mortgages?
A personal credit rating is a reference indicator that most banks use when processing and approving loan and mortgage applications.
What should you do if you receive lower valuation from banks?
Banks usually evaluate the market value of a property based on different factors, including the property’s location, views from the flat, on which floor it is located, and transaction records in the building when appraising the property.
What is a bank’s stress test?
To avoid excessive lending that could lead to a housing bubble, the government has introduced a stress test.
How is the mortgage ratio calculated?
Applying for a mortgage loan is mainly divided into two categories: The first type is based on income, and the second type involves worth–based lending.
What documents are required to apply for a mortgage loan?
A) Applicants with fixed income(1) HKID cards of borrower and guarantor (if applicable)(2) Sale and Purchase Agreement (applicable to new mortgages)
How to apply for a mortgage loan?
After signing the provisional sale and purchase agreement, the buyer can formally start applying for a mortgage loan. Owners can directly find a bank or find a professional mortgage referral company, such as Mreferral Mortgage Brokerage Services.
What are the hidden expenses when buying a property?
The purchase of a property generally involves three main legal documents: sale and purchase agreement, deed of assignment and mortgage deed. The solicitor’s fee, will be subject to the transaction value and the age of the property, and it usually amounts to several thousand Hong Kong dollars or more.
維港滙III買家逾1.36億 連購2伙特色天際複式戶
新盤特色戶承接力理想，由會德豐地產及信和置業(00083)等5大發展商合作的西南九龍維港滙III，剛錄2宗大額特色戶成交……
What needs to be done to prevent a potential mortgage trap when buying a village house?
Village houses are roughly divided into two categories – standard “small house” and village house on “old schedule lot”. The most common are standard small houses, which are three-storey high and have a floor area of about 700 square feet each.
代理料維港滙III呎租可達70至80元水平
美聯物業住宅部行政總裁布少明表示，西南九龍維港滙III今日(4日)首輪銷售，吸引不少用家及投資客捧場，用家佔約7成….
尚瓏再錄特色戶成交 連平台單位售943.3萬元
富豪國際(00078)執行董事范統表示，旗下西營盤尚瓏兩日連錄成交，剛再招標人售出1伙特色戶。項目5樓B室連平台單位….
What should I pay attention to when buying a village house?
Buying a second-hand village house can avoid the risk of government not granting the Certificate of Compliance. At present, new-style village houses are generally built like housing estates with well-managed gardens, parking lots and playground.