To avoid excessive lending that could lead to a housing bubble, the government has introduced a stress test.
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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.
藝里坊．2號兩房售逾1251萬 創項目新高
港島新盤具需求。恒基物業代理營業(二)部總經理韓家輝表示，西營盤藝里坊．2號售出30樓A室，實用面積381方呎，間隔兩房……
西營盤尚瓏首推特色戶 呎價近4.6萬元售出
新盤特色戶做價理想。富豪國際(00078)旗下西營盤尚瓏周六(3日)首度推出特色戶招標發售，火速落實賣出，單位為30樓A室…….
What are the procedures when buying second-hand properties?
The first thing to do when buying a flat is, of course, to look for one and conduct an ocular inspection of the building. Many real estate agencies list properties on their websites and mobile apps.
珀居14座洋房全數沽清 套現12.9億元
豪宅洋房新盤亦錄成交。英皇國際(00163)旗下屯門珀居，周五(2日)以招標形式沽出8號洋房，成交價7,050萬港元，呎價約25,534元……
西貢匡湖居洋房獲承接 成交價3,880萬元
美聯物業西貢區清水灣分行營業經理任征(ANDY REN)表示，優質物業受捧，西貢匡湖居有洋房剛透過該行易手，獲用家斥資3,880萬元承接…