按揭一問??

I have make the following analysis

for my case: the price of the premise is HK$2.58m
I use 95% mortgage 25 yrs
insurance = HK$93,366 and it will be included in loan for mortgage
actual借貸金額=HK2.58m x 95% + HK$93,366 = HK$2,544,366.00

There are a no. of plans in the market among various banks. You have to give a phone call to each bank to ask for their latest arrangement. The result below may not be valid now.

香港同業拆息=4.90%
年期 (yrs)25
methodology: an amortisation schedule is produced for each plan. The average of the regular payments is summarised. The cash rebate will not be deducted from the loan amount as most of the banks provide the rebate via credit card. You must use it. All the interest paid in each month will be discounted back to time zero by the mortgage rate. The summarised total interest is the total discounted interest at the time you borrow the loan minus the cash rebate. A simple interest to loan ratio is also provided for your easy reference. No matter what percentage of the cash rebate specified by the bank, it must be less than 1% of 70% of the property value (i.e. < 0.007 of your premise price)

銀行=匯豐銀行
按揭計劃=P-2.88%
最優惠利率=7.75%
現金回贈=HK$0
罰息期=3yrs
每月供款=HK$14,682
全期利息支出=HK$1,242,803
利息與貸款比=48.85%

銀行=恆生銀行
按揭計劃=P-2.9%
最優惠利率=7.75%
現金回贈=HK$18,060
罰息期=3yrs
每月供款=HK$14,653
全期利息支出=HK$1,220,847
利息與貸款比=47.98%

銀行=中銀香港
按揭計劃=P-2.975%
最優惠利率=7.75%
現金回贈=HK$18,060
罰息期=3yrs
每月供款=HK$14,542
全期利息支出=HK$1,206,151
利息與貸款比=47.40%

銀行=花旗銀行
按揭計劃=P-3.25%
最優惠利率=8.00%
現金回贈=HK$18,060
罰息期=3yrs
每月供款=HK$14,506
全期利息支出=HK$1,201,224
利息與貸款比=47.21%

銀行=中信嘉華銀行
按揭計劃=P-3%, with P-3.2% for the first 1 year
最優惠利率=8.00%
現金回贈=HK$0
罰息期=3yrs
每月供款=HK$14,854
全期利息支出=HK$1,264,671
利息與貸款比=49.70%

銀行=中信嘉華銀行
按揭計劃=P-2.8%, with P-3.2% for the first 1 year
最優惠利率=8.00%
現金回贈=HK$15,266
罰息期=3yrs
每月供款=HK$15,131
全期利息支出=HK$1,284,157
利息與貸款比=50.47%

銀行=創興銀行
按揭計劃=P-3.25%
最優惠利率=8.00%
現金回贈=HK$18,060
罰息期=3yrs
每月供款=HK$14,506
全期利息支出=HK$1,201,224
利息與貸款比=47.21%

銀行=創興銀行
按揭計劃=P-3.25%, with P-4.25% for the first 1 year
最優惠利率=8.00%
現金回贈=HK$0
罰息期=3yrs
每月供款=HK$14,403
全期利息支出=HK$1,202,431
利息與貸款比=47.26%

銀行=創興銀行
按揭計劃=P-3.25%, with P-3.5% for the first 3 years
最優惠利率=8.00%
現金回贈=HK$6,361
罰息期=3yrs
每月供款=HK$14,431
全期利息支出=HK$1,201,028
利息與貸款比=47.20%

銀行=永隆銀行
按揭計劃=P-3.25%
最優惠利率=8.00%
現金回贈=HK$18,060
罰息期=3yrs
每月供款=HK$14,506
全期利息支出=HK$1,201,224
利息與貸款比=47.21%

銀行=永隆銀行
按揭計劃=P-3.25%, with P-3.5% for the first 3 years
最優惠利率=8.00%
現金回贈=HK$0
罰息期=3yrs
每月供款=HK$14,431
全期利息支出=HK$1,207,389
利息與貸款比=47.45%

銀行=渣打銀行
按揭計劃=P-3.25%
最優惠利率=8.00%
現金回贈=HK$18,060
罰息期=0yr
每月供款=HK$14,506
全期利息支出=HK$1,201,224
利息與貸款比=47.21%

銀行=東亞銀行
按揭計劃=P-3.33%, with P-3.4% for the first 5 years
最優惠利率=8.00%
現金回贈=HK$0
罰息期=1yr
每月供款=HK$14,355
全期利息支出=HK$1,198,119
利息與貸款比=47.09%

銀行=東亞銀行
按揭計劃=P-3.33%, with P-3.3% for the first 3 years and P-3.4% for the fourth & fifth year
最優惠利率=8.00%
現金回贈=HK$10,177
罰息期=3yrs
每月供款=HK$14,385
全期利息支出=HK$1,128,083
利息與貸款比=44.34%

想借錢又想節省利息？遇到借唔到錢既情況？

私人貸款、業主貸款、按揭轉介、債務舒緩或重組
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唔洗麻煩你走黎走去，節省你既時間、金錢

1. 私人貸款，貸款額可達月薪23倍(需入息紀錄)
2. 樓宇、物業、車位套現
3. 沒有入息紀錄，但需要現金周轉
4. 貸款項目較多，想集中環款
5. 卡數問題，無力環款
6. 信貸評級過低，借款無門

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一般是P-2.9% 至2.95%