18個月免息免供係點樣計?

i do not quite agree with "gumgumpersian"

if everythings (terms of condition for the mortgage contract) are the same, except the 18 months with any payment & interest, the developer actually has to pay to the bank for the 18 month interest.

For example:

flat price = HK$3,000,000.00
95% mortgage
loan = HK$2,850,000.00
30 yrs plan
normally, you should have to give 30 x 12 = 360 payments (i.e. 360 months)
now, the developer asked the bank to waive the first 18 months.

The cost of the bank = 18 months compound interest for the HK$2,850,000.00 loan
However, as there is no re-payment of premium (i.e. the loan), you have to repay the loan in 360 - 18 = 342 nos. of payment (i.e. month).

This will increase your monthly payment amount

The developer still has to pay the 18 month interest to the bank. As we know, the interest rate of the earlier period is the heaviest one. This cost is significant.

derektai88：

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