請問銀行未批按揭, 是否不應付大訂

If you have 30% deposit in your hand. Please dont worry for that.
The normal proceedure is like that. Bank need at least two weeks to see
your income approval. You need provide at least 6 months income approval
to bank. In your case it's propably ok. Just in case not enough document,
then you can provide the garantor to support you. If you didnt have a bad
record on bank. It's not difficult for 70% mortage.

你要問多幾間銀行,渣打~大眾~中信嘉華都幾好
1.你要問p-幾多(例如現p5.5如p-3.1 即你供款厘率就是p2.5計了)
2.年期要長30年最好.可減輕負擔.雖然息多d.但可每年還款5萬或更多.記得問還款罰息.
3問每月還款幾多.你就心裡有數.
4問有無現金回贈(可幫輕律師費)記得講你間律師樓名.(如果銀行無交往可能會貴d)
6上網看多d銀行資料.你會學多好多東西.用筆寫下你想知的問題,記住你是消費者.有權問多啲.
7你的個人資料要好齊全,申請就會快d呢
8重點:記得問它幾時覆,,追它答覆你(因它們是豬油包)過期覆..追追追..^.^希望幫到你啦

一般都係要比大訂先搵銀行做按揭, 所以買樓先一定要預足夠的訂金( 樓價10%) 做首期

至於銀行批唔批, 你應未簽臨約前做足評估, 睇自己有無能力上會, 你買得樓前都會計過數自己有無能力供樓啦. 係咪?

不過自僱人士就比較難d , 但交足文件都無咩問題, 或者搵多幾間做準備囉, 呢間唔批都仲有幾間機會..... 最壞打算就係搵擔保人, 點都要上會嫁啦, 唔係你的訂金就無晒嫁啦

你那那聲將樓價餘額交比你的代表律師, 佢會幫你過數比賣家律師, 跟住就去搵銀行吧

榮少

其實我都係岩岩做左業主, 我都係比左大訂先去做按揭, 因為我本身做銀行, 就無擔心佢唔批, 你可以搵多一兩間問一問, 因為佢地都要時間批既

但係我諗你要問一問如果比埋大訂, 又銀行唔批的話, 係咪收唔返個大訂呢??

同埋臨約之後, 好似有14日先要比大訂喎.... 你係咪要同律師樓傾傾個交大訂時間呢?