買家簽下合約買下物業後,除非是以「full pay」買樓,否則都需要向銀行申請按揭貸款。一般而言,在私人市場買入二手住宅物業,可以做的最高按揭數會是九成。
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買樓收租仍是如意算盤嗎?
2009年的租金指數100.4,到今年第三季為198.8,增幅差不多達一倍,上升速度驚人。雖然買樓收租是一個穩妥的投資方法,但是決定前事先需注意一些事項…
負資產不可怕 入市前宜做足準備
未來的經濟及樓市仍存在很多不明朗的因素,各位準買家揀樓時要量力而為,負資產其實並不可怕,但是要懂得未雨綢繆,不要臨渴而掘井…
【負資產解構】高成數按揭需謹防變「負資產」
放寬按揭成數後,首期要求大大降低。低首期買樓,樓價上升的情況下回報率當然更高,但相反如果樓價下行,風 […]
負資產重臨不可怕
日前金管局公布最新數據,2018年第四季錄得262宗新增的負資產個案,涉及金額11.89億元,是七個季度以來首次「零的突破」。新聞一出,立即引起一陣恐慌…
【Preparation for Property Purchase】 Practical Tips for Purchasing a Property at the Lowest Cost
【Preparation for Property Purchase】 Practical Tips for Purchasing a Property at the Lowest Cost
Tips for New Property Owner: Rent out your Property Safely!
Tips for New Property Owner: Rent out your Property Safely!
What tips are useful to landlords?
Not all properties can be offered for rent! If the property has been mortgaged to the bank, in principle, the mortgagee’s consent must be obtained before the property can be offered for lease. Many banks also have mortgage or rent restrictions on non-self-used properties.
[Buying property through shares transfer in a company] What you need to know about actual operation and hidden risks
There are numerous big-ticket property transactions in the market with values that exceed HK$10 million. These properties are often held by companies. What is it really like to purchase a property through shares transfer in a company?
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.
[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.
【居屋2019】居屋按揭最全指南 一文掌握按揭成數及按揭計算
抽中居屋當然是一件開心事,但距離成功置業還有重要一步,就是申請按揭。居屋按揭申請與私樓按揭申請要注意的事項有所不同…