申請九成半按揭?

要睇好多方面因素 ka. 職樓１８年，未算好舊．但如果係單幢式或唔方便既區域又或係村屋．咁銀行估價方面會有問題 ka wor. anyway, 當銀行估足先啦．

首先搵銀行估價
如做９成半，即約借８０萬鬆 D. 每月還款約$4500.
銀行還款首要條件，係你兩既收入既一半以下．即$16000咁上下．故賬面上，你地供到樓有餘．
就算加埋你地每個月需還政府$6000(?). 都係 $11000未到．
但，有冇任何其他卡數或私人貸款？因銀行經中央信貸庫．一定查到 ka 喎.
出糧係唔係 autopay? 有冇部份收入唔穩定？如係出佣之類. 呢 D 銀行都好睇重 ka.

The key point is do not contact Public Finance and other company who will charge you low interest but VERY-HIGH penalty. My friend borrows money from (大眾財務) with 1.2% per month flat rate but PF said the actual interest will be 3.0% FROM START OF CONTRACT if early repayment is requested. Beware of the penalty terms of the contract before signing.