本人現況買樓可以嗎??

如果每月收入22000元, 銀行批核可計算供款是50%, 即11000元。

我建議你們最好供少一點, 留些現金旁身, 就算買樓時, 律師費, 厘印, 水電煤管理費按金, 及裝修都要用錢。

如果供樓的比率太高, 會影響到日後的生活質素下降, 所以, 如果沒有什麼要求的, 最好可以選擇200萬或樓下的比較穩陣。

樓價200萬或以下, 厘印費只需100元, 超過200萬的, 幾乎都是徵收超過的10%。以235萬元樓價計, 厘印費就要35,000元。

200萬於美孚仍有選擇, 近港鐵及西鐵站, 交通萛方便, 雖然40幾年樓, 仍可以做20年或25年按揭。

希望不要介意, 以下是個人的推薦, 我對將軍澳的新都城, 地處地鐵站樓上, 大型商場, 屋苑有會所及泳池, 坐地鐵上班, 因為尾站, 一般都會有坐位, 只需10幾分鐘就到北角了, 非常的方便。

以樓價200萬計, 做90%按揭, 供25年, 年息3厘, 每月都是供8807元(已包括按揭保險3.18%)。

如果有需要, 搵樓 和 按揭 都可以幫你們轉介給各大代理和各大銀行的。

您好，雅虎新建了一個很不錯的關于香港房地產方面的網站，上面有不少租房，買賣房產的信息和常見問題解決方案。

http://www.yahoo-real-estate.info/

祝你好運！

Premises Price = HK$2,641,280.40
5% Downpayment = HK$132,064.02
1% Commission = HK$26,412.80
1.5% Stamp Duty = HK$39,619.21
Legal Cost = HK$2,500.00
Total Lump Sum Cost = HK$200,596.03 < 五十萬
assume 95% mortgage @ 30yrs (3% mortgage interest rate)
Monthly Repayment = HK$11,000.00 (OK for 月入大概二萬二蚊一個月)

Premises Price = HK$2,799,595.68
10% Downpayment = HK$279,959.57
1% Commission = HK$27,995.96
1.5% Stamp Duty = HK$41,993.94
Legal Cost = HK$2,500.00
Total Lump Sum Cost = HK$352,449.46 < 五十萬
assume 90% mortgage @ 30yrs (3% mortgage interest rate)
Monthly Repayment = HK$11,000.00 (OK for 月入大概二萬二蚊一個月)

Premises Price = HK$2,842,857.14
15% Downpayment = HK$426,428.57
1% Commission = HK$28,428.57
1.5% Stamp Duty = HK$42,642.86
Legal Cost = HK$2,500.00
Total Lump Sum Cost = HK$500,000.00 = 五十萬
assume 85% mortgage @ 30yrs (3% mortgage interest rate)
Monthly Repayment = HK$10,432.27 (OK for 月入大概二萬二蚊一個月)

Hence, I'd suggest you to search for premises costing approx. 2.8m
I think there'd be lots of choices from the market.

2009-04-18 16:42:34 補充：
『杏花村』
quite quiet and isolated. so good to those requiring privacy and relax feel

2009-04-18 16:42:38 補充：
『美孚新村』
very convenient transportation (MTR, West Rail, bus hub, vans, route 9, route 3, etc.)

『黃埔花園』
in a good "school district" with lots of famous schools nearby.


All of them ar 大屋苑, huge sale vol per month, so easy to resell.

2009-04-18 16:45:15 補充：
personally, I like 『杏花村』 coz it is on the HK Island with limited land supply

so, the monetary value of 『杏花村』is secuitied

2009-04-18 16:48:32 補充：
I think you could think about flats with 3 rooms

as all the you want are old 屋苑, you could choose my scheme with 90% mortgage in 30 yr.

2009-04-18 16:48:36 補充：
For this scheme, you could still have 15萬 for decoration.

That scheme could maximise the premise price you could choose and the available decoration money you could spend.

2009-04-18 16:49:17 補充：
for flat with 3 rooms, normally the price would climb up faster than those with 2 rooms, when the property market blooms

2009-04-18 16:51:52 補充：
then the flat would become your investment tools also

如果無小朋友,你又有50萬做首期,應該無咩問題,美孚新村似乎較適合你同你先生"

另外你地唔大洗都負擔得到既!! ^^

而家經濟環境唔係咁好，建議你買樓之餘，都留番一些錢旁身比較好，以有四十至五十萬黎講，用二十五至三十萬做首期好啦，因為買樓除左首期重有好多其他開支及雜費，印花稅，經紀佣金，裝修費等等要比。所以，你可以買嘅單位樓價應該係$220萬或以下。

建議考慮"黃埔花園"，因為"黃埔花園"比較上升值潛力高，成交比較多，之後想再換樓又比較容易，而且區內有大型商場，而"杏花村"同"美孚新村"就沒有。

按你所講的情況，建議你考慮"黃埔花園"，第二期嘅兩房單位，面積約469平方呎，價錢約$210-$230萬左右。其實你現時無小朋友，可以考慮"黃埔花園"，第二期嘅一房單位，面積約350平方呎，價錢約$180-$190萬左右。每月供款約$8,000左右。一房單位非常少供應，而且升值潛力最高，因此呎價亦較高，但非常合年輕夫婦上車，一般呢類一房單位都有裝修，而且仲係套房加開放式廚房間隔。

當你過多幾年有小朋友，先再換550呎嘅兩房單位就最理想啦。呢兩三年，除左供樓同日常開支以外，仲可以儲下錢，等兩三年後，又有另外一筆錢加上放左個一房單位，就可以有充足嘅資金換個550呎嘅單位啦，而你呢兩三年又唔洗咁大壓力。

我有個朋友都係用呢個策略，最近買左一間一房單位，連全新裝修，$188萬成交，因為成交金額$200萬以下，印花稅仲只係$100。之後已經即時有人想以$8,500租啦。可見回報都唔錯呀。