信貸評級唔好.....

交X銀行啦！
交X銀行啦！
交X銀行啦！
交X銀行啦！

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.

房署只擔保那些從未發售的單位，其他的回購單位不再接受回購的，即房署唔會再擔保回購單位。

你唯有用其他家庭成員去申請按揭。

綠表申請係唔駛經銀行審批的. 政府為你作出二十年(新居屋) 做了擔保.


榮少