究竟要選擇哪種存放方式，第一樣重要的考慮因素是手上的剩餘資金是否有隨時提取的需要。Mortgage-link的特色是戶口屬於活期存款，一旦生活出現突發事情需要資金，戶口內的資金可以隨時提取。定期存款則需要在指定日子後才能提取，如果中途需要提取資金，銀行有機會要收取行政費用。
Search Results for "Mortgage"
【All-in-One Guide for HOS Flat Mortgage】 New HOS Flats VS WSM Flats
The Government is currently providing a mortgage default guarantee in respect of HOS flats covering 30 years from the date of the transaction.
An All-in-One Guide for Applying a Mortgage with 90% LTV Ratio
An All-in-One Guide for Applying a Mortgage with 90% LTV Ratio
【Reduce Property Market Curb Measures】Down Payment and Mortgage Repayment after Relaxing Mortgage Rules
【Reduce Property Market Curb Measures】Down Payment and Mortgage Repayment after Relaxing Mortgage Rules
[Alternative Investment] Guide when applying for mortgage for car parking space
Private car parking spaces in Hong Kong have become a target for investors, especially since demand outstrips supply.
Comprehensive Buyers’ Guide to Obtain 90 percent Home Mortgage Loan
Tom: “The government has relaxed mortgage insurance schemes, thus paving the way for more properties to become eligible to apply for and obtain mortgage loans of up to 90 per cent of the value of a flat. But is it difficult to apply for a mortgage loan?”
[Comprehensive guide for Home Ownership (HOS) Flats Mortgages] Mortgage tenor and focus of New HOS programme against HOS White Forms holder
Although new HOS flats and those eligible for purchase by buyers with White Forms are both subsidized housing provided by the Housing Authority (HA), the first programme involves first-hand properties, while the latter involves used HOS flats before premiums for them are paid to the government.
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.
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 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.
![[Mortgage Tips] Save Taxes by Transferring Property to a Close Relative](https://res-cms.midland.com.hk/property-news/wp-content/uploads/2021/02/iStock-943940212-380x280.jpg)
[Mortgage Tips] Save Taxes by Transferring Property to a Close Relative
Like ordinary property transactions, such transfer entails the engagement of a solicitor to handle the agreements for sale and purchase, and schedule a transaction date. Hence, solicitor’s costs is inevitable.
![[Property Owner Guidebook] 10 FAQs for Renting out a Mortgaged Property](https://res-cms.midland.com.hk/property-news/wp-content/uploads/2021/02/iStock-1130833057-380x280.jpg)
[Property Owner Guidebook] 10 FAQs for Renting out a Mortgaged Property
Banks in Hong Kong have been known for low interest rates. Rents of most of the properties could cover the monthly mortgage payments. Therefore, some investors would rent out a property right after buying it in order to earn stable passive income. Below are 10 frequently asked questions (FAQs) about how renting out a property would affect mortgage application.
【按揭計劃】Mortgage-link VS 現金回贈 邊個著數？
Dison抽中白表居屋，由於未補價的居屋只能承造P按，故銀行最終開出兩個offer，第1個計劃為P-2.5%，現金回贈為0.6%，第2個計劃按息一致，但提供按揭存款掛鈎戶口，究竟哪個計劃較為著數？