銀行貸款時會唔會扣除大訂、細訂？

1: "P" stands for prime rate. It is a standard rate among banks for mortgage. There are 2 prime rates on the market, which are 5% (細P) and 5.5% (大P).
However, different bank would offer different mortgage rate to you (e.g. P-2.5% or P-3%). You should ask the bank what her P is.
e.g. if P = 5%, and the bank offers P-3%, then the mortage = 5% - 3% = 2% per annum

2: for some online mortgage calculator, you should use the actual mortgage rate p.a.
In previous example, you should use 2% (not 5% nor 3%)

3:
細訂 = initial deposit = it is normally agreed with / given to the landlord when you 2 sign the provision Sales & Purchase Agreement (臨約). It could range from 3% to 5% of your premises price normally, but is negotiable
大訂 = deposit = it is normally given to the landlord through your solicitor when you sign the Sales & Purchase Agreement (正式買賣合約). It could range from 5% to 10% of your premises price normally, but is negotiable.
首期 = downpayment = it is nothing to do with your landlord, but is related to your mortgage. It is the final amount of money you would pay, while the remaining would be covered by the mortgage.
e.g.
細訂 = 5%, 大訂=10%, 首期=5%, 樓價＝壹佰萬
you have to pay HK$50,000.00 to the landlord when you sign the 臨約. Normally it is down by crossed cheque. Then you have to hand the 臨約 to your solicitor to process the 正式買賣合約. It would normally take 14 days after your 臨約 before signing 正式買賣合約.
You have to pay another HK$50,000.00 (大訂-細訂 = 10% - 5% = 5%) to your solicitor and the solicitor would hand the 大訂 to the landlord's solicitor when the 正式買賣合約 is signed.
Before the completion of Assignment (樓契, normally 45 days from 臨約), you have to find a bank for mortgage. for 95% mortgage, the bank would ask HKMC to do mortgage insurance


2009-06-20 09:32:22 補充：
You could see, up to now, you have paid 10% of the premises price, but you are applying 95% mortgage (i.e. you should only pay 5% of the premises price, the remaining 95% would be covered by the mortgage).

2009-06-20 09:32:26 補充：
At completion of Assignment, you have to sign on the Assignment, and the solicitor would give you back the 5% = HK$50,000.00 (of course deducting all necessary expense, e.g. solicitor cost, stamp duty, etc.)

2009-06-20 09:38:47 補充：
http://www.eaa.org.hk/ch_publications.htm

2009-06-20 09:40:32 補充：
Premises = HK$1,000,000.00
5% Downpayment = HK$50,000.00
1% Property Agent Commission = HK$10,000.00
Stamp Duty = HK$100.00
Legal Cost = HK$3,000.00
Total Lump Sum Cost = HK$63,100.00

2009-06-20 09:41:59 補充：
細訂 = 5%, 大訂=10%, then you have to allow an interim money = HK$50,000.00

If you don't have such money, you could apply a "bridge loan" from the mortgage bank, as you could get bank that money eventually after signing the Assignment.

2009-06-20 09:44:28 補充：
Outstanding Balance = HK$1,000,000.00 - HK$50,000.00 = HK$950,000.00
3.78% HKMC Mortgage Insurance = HK$35,910.00
Total Loan Amount = HK$985,910.00
Assume actual mortgage rate = 3%
Mortgage Tenor = 25yrs = 300 months

2009-06-20 09:45:27 補充：
Monthly repayment
= HK$985,910.00 x (3% / 12) / {1 - [(1 + 3% / 12) ^ (-3% / 12)]}
= HK$4675.30

2009-06-20 09:46:09 補充：
This monthly repayment should not more than 45% of your monthly income after deducting all the regular monthly expense (such as repayment to your personal loan)

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我們公司現在有個最新低息貸款計劃,息率低至每月平息 0.28%
( 現金 ) 貸款額特高,最高可達 80萬!
一經批核直接存入您指定的銀行賬戶
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