買樓要給首期，不懂計

請問我要買140萬的樓，但銀行估價只有120萬，我要給多少首期？
如果你申請購買按揭保險, 你的按揭上限可以高達物業估價的95%, 亦即, 你可以比的首期低至物業估價的5%, 即6萬元 再加上估價不足的差額 20萬, 換句話說, 你需要最少比26萬首期。

又樓齡己有36年，可否問銀行按九成？
一般的按揭年期是不會超過樓齡的50年, 但有很多佑名的屋苑的按揭年期是可以高達樓齡的75年, (例如 美孚新村, 太古城等)。

我手上只得20萬，但真係好鍾意層樓......
如果你沒有不良信貨紀錄, 按揭95%, 供14年(超過就要視乎個別例子去考慮, 未必唔批的), 供款比率不超過收入的45%(按9成的供款比率是不超過收入的50%), 一般的情況是沒有問題的。

如果你收入穩定, 無不良信貨紀錄, 供款比率不超過45%或50%, 可以搵其他的銀行再估價, 可能其他銀行可以按高D的。

Premises = HK$1,400,000.00
Assume the Property Valuation only allow HK$1,200,000.00
Assume 95% mortgage from HKMC for 30yrs
Downpayment = HK$1,400,000.00 - HK$1,200,000.00 x 95% = HK$260,000.00
1% Commission = HK$1,400,000.00 x 1% = HK$14,000.00
Stamp Duty = HK$100.00
Legal Cost = HK$3,000.00
Total Lump Sum Cost = HK$277,100.00

Outstanding Balance = HK$1,400,000.00 - HK$260,000.00 = HK$1,140,000.00
3.98% Mortgage Insurance = HK$45,372.00
Total Loan = HK$1,185,372.00
Mortgage Tenor = 30 yrs = 360 months
Assume Mortgage Interest Rate = 3% p.a.
Monthly Repayment = HK$4,997.58 < 45% of monthly income

Hence, you must at least have a 首期 = HK$277,100.00 and monthly income = HK$11,105.72


2009-06-26 13:32:27 補充：
Just from the figures, it seems that you don't have enough money.
However, normally the banks now could have flexible property valuation.
Try to discuss with differrent bank first. The answers could vary a lot from banks to banks

如銀行只估 120萬. 即係話你首期要比 32萬. 即 120萬既 1成 = 12萬加差額 20萬 lor. 一係你估多幾間 la. 有時如永隆 / 星展個 D 估高 D ka. 成 36年樓....又真係難少少做足 9成 ka. 一係申請埋二按 lor. 睇下批唔批 lor.