九成半按揭一問

1), Yes, why not?

2), If the premise price = HK$1,000,000.00 First Deposit = 3% - 5% of the premise price (i.e. = HK$30,000.00 - HK$50,000.00). Second Deposit = 5% - 10% of the premise price in total (i.e. 1st + 2nd deposit = HK$50,000.00 - HK$100,000.00). As the deposit in total may exceed the amount required after you have a mortgage, the money in excess will be refunded after the completion of the sale, by your solicitor (i.e. if you paid 10% deposit, but you use 95% mortgage, you can get back the 5% in excess after the bank pay the money for mortgage). Legal cost < HK$5,000.00 Stamp duty = HK$100.00. Agent commission (to be negotiable) = 1.5% of the premise price (i.e. HK$15,000.00)

3), assume premise price = HK$1,000,000.00. You use 95% mortgage. The insurance premium in lump sum is 2.48%, 2.88%, 3.38%, 3.78%, 3.98% of the premise price for 10yrs, 15yrs, 20yrs, 25yrs, and 30yrs 95% mortgage respectively. As such, monthly repayment of loan at 4.6% effective interest p.a. is as follows:

10yrs = HK$10,105.39
15yrs = HK$7,490.64
20yrs = HK$6,227.07
25yrs = HK$5,493.75
30yrs = HK$5,018.57

4), No. It is possible. However, based on your income level, HKMC will only approve 25yrs or 30yrs to you.

5), management fee = HK$1000.00 / month
water = HK$500.00 / 2 months
electricity = HK$1,000.00 / quarter
town gas = HK$50 / month

啱啱買左樓？你意思係咪已俾左訂金業主？

當你層樓 100萬，做九成半，
首期：5 萬
"按揭保險"：大概 2萬 (你問銀行借 $ 多過 3成就要俾)
律師費：大概 5~6千
地產佣金：大概 1萬

其實銀行評估你既還款能力，係建議你用收入既4成做供款，
如果你要供20年，供 $5800/月。
但你收入只有 $14000，仲有貸款記錄，仲要得你 1 個人做借貸，
我諗銀行好難同你做按揭，佢會覺得有風險。
我諗你都幾young，你可以簡供 25 or 30 年，
供款又平啲，成功借錢既機會大啲！
如果你要供25年，供 $5000/月。
如果你要供30年，供 $4300/月。

2個人住開支唔會好大，但生活費反而大，
管理費：$720 (若你買既單位 600呎，每呎 $1.2)






http://202.72.14.202/mortgage/calc.asp

Honstly, that is impossible. Since, your income is insufficient. Please take seriously consideration.