本人剛剛比買了樓..
但可能第一次買所以手續上發生問題!
層樓$1400000...
但本人每月人工得$12000,另一半就自僱人士!
咁銀行就咪唔會按7成比我呀..?要擔保人先可能得?
我想按到8成...可以交d咩比銀行先可以大機會呀....!!
help me pls.....
唔都冇了訂金......,,,
買樓按揭..help.. 有冇人幫到我呀!!
2009-07-14 9:56 pm
回答 (7)
2009-07-15 4:57 am
✔ 最佳答案
如 果 樓 價 1 4 0 萬 , 收 入 每 月 1 2 0 0 0 元 , 只 要 你 的 收 入 是 銀 行 接 納 , 借 9 0 貸 成 或 以 下 , 供 款 的 比 率 只 是 收 入 的 5 0 % , 即 供 款 不 超 過 你 收 入 的 一 半 ( 6 0 0 0 元 ) 就 可 以 了 ;
只 要 沒 有 不 良 信 貨 紀 錄 ;
只 要 你 沒 有 欠 債 ;
只 要 樓 齡 低 於 5 0 年 或 7 0 年;
供 款 期 2 5 年 或 3 0 年 供 款 就 低 於 收 入 的 5 0 % 了 。
其 實 做 8 0 % 或 9 0 % 按 揭是 沒 有 問 題 的。
如 果 以 上 條 件 都 符 合 , 如 果 仍 做 唔 到 按 揭 的 , 是 可 以 幫 你 轉 介 給 大 銀 行 的 , 請 放 心 , 絕 對 不 會 有 任 何 的 收 費 的 。
2009-07-17 6:30 am
2009-07-15 7:00 pm
For 70% Mortgage:
Premises Price = HK$1,400,000.00
Downpayment = 30% x HK$1,400,000.00 = HK$420,000.00
Property Agent Commission = 1% x HK$1,400,000.00 = HK$14,000.00
Stamp Duty = HK$100.00
Legal Cost = HK$3,000.00
Total Lump Sum Payment at Assignment = HK$437,100.00
Outstanding Balance = 70% x HK$1,400,000.00 = HK$980,000.00
Mortgage Insurance Loan = HK$0.00
Loan = HK$980,000.00
Assume Mortgage Interest Rate = 3% per annum
Monthly Repayment = HK$4131.72 < 45% x HK$12,000.00 = HK$5,400.00
Hence, it is viable
-------------------
For 80% Mortgage:
Premises Price = HK$1,400,000.00
Downpayment = 20% x HK$1,400,000.00 = HK$280,000.00
Property Agent Commission = 1% x HK$1,400,000.00 = HK$14,000.00
Stamp Duty = HK$100.00
Legal Cost = HK$3,000.00
Total Lump Sum Payment at Assignment = HK$297,100.00
Outstanding Balance = 80% x HK$1,400,000.00 = HK$1,120,000.00
Mortgage Insurance Loan = 1.65% x HK$1,120,000.00 = HK$18,480.00
Loan = HK$1,138,480.00
Assume Mortgage Interest Rate = 3% per annum
Monthly Repayment = HK$4799.88 < 45% x HK$12,000.00 = HK$5,400.00
Hence, it is viable
-------------------
For 85% Mortgage:
Premises Price = HK$1,400,000.00
Downpayment = 15% x HK$1,400,000.00 = HK$210,000.00
Property Agent Commission = 1% x HK$1,400,000.00 = HK$14,000.00
Stamp Duty = HK$100.00
Legal Cost = HK$3,000.00
Total Lump Sum Payment at Assignment = HK$227,100.00
Outstanding Balance = 85% x HK$1,400,000.00 = HK$1,190,000.00
Mortgage Insurance Loan = 2.4% x HK$1,190,000.00 = HK$28,560.00
Loan = HK$1,218,560.00
Assume Mortgage Interest Rate = 3% per annum
Monthly Repayment = HK$5137.50 < 45% x HK$12,000.00 = HK$5,400.00
Hence, it is viable
-------------------
2009-07-15 11:01:23 補充：
For 90% Mortgage:
Premises Price = HK$1,400,000.00
Downpayment = 10% x HK$1,400,000.00 = HK$140,000.00
Property Agent Commission = 1% x HK$1,400,000.00 = HK$14,000.00
Stamp Duty = HK$100.00
Legal Cost = HK$3,000.00
Total Lump Sum Payment at Assignment = HK$157,100.00
2009-07-15 11:01:32 補充：
Outstanding Balance = 90% x HK$1,400,000.00 = HK$1,260,000.00
Mortgage Insurance Loan = 3.55% x HK$1,260,000.00 = HK$44,730.00
Loan = HK$1,304,730.00
Assume Mortgage Interest Rate = 3% per annum
Monthly Repayment = HK$5500.79 > 45% x HK$12,000.00 = HK$5,400.00
2009-07-15 11:01:35 補充：
Hence, it is viable with 擔保人 for the repayment of HK$100.79
-------------------
2009-07-15 11:01:44 補充：
For 95% Mortgage:
Premises Price = HK$1,400,000.00
Downpayment = 5% x HK$1,400,000.00 = HK$70,000.00
Property Agent Commission = 1% x HK$1,400,000.00 = HK$14,000.00
Stamp Duty = HK$100.00
Legal Cost = HK$3,000.00
Total Lump Sum Payment at Assignment = HK$87,100.00
2009-07-15 11:01:52 補充：
Outstanding Balance = 95% x HK$1,400,000.00 = HK$1,330,000.00
Mortgage Insurance Loan = 3.98% x HK$1,330,000.00 = HK$52,934.00
Loan = HK$1,382,934.00
Assume Mortgage Interest Rate = 3% per annum
Monthly Repayment = HK$5830.51 > 45% x HK$12,000.00 = HK$5,400.00
2009-07-15 11:02:00 補充：
Hence, it is viable with 擔保人 for the repayment of HK$430.51
-------------------
2009-07-15 11:02:08 補充：
It seems that you could apply up to 85% mortgage without 擔保人.
2009-07-15 11:02:16 補充：
There would be a case that you have other regular monthly expense, such as subsidy to your grandparent, rent, etc. Normally bank would deduct those expense they found from your financial record from your monthly income. Hence the actual monthly income would be reduced (not HK$12,000.00)
2009-07-15 11:02:24 補充：
Another case is that you have poor repayment record for other prevoius loan, such as personal loan, credit card, etc. Bank would probably reduce your % from 45% downto say only 30%, to ensure you have capacity to repay the loan.
2009-07-15 11:04:36 補充：
the calculations are based on 30yrs mortgage tenor
Premises Price = HK$1,400,000.00
Downpayment = 30% x HK$1,400,000.00 = HK$420,000.00
Property Agent Commission = 1% x HK$1,400,000.00 = HK$14,000.00
Stamp Duty = HK$100.00
Legal Cost = HK$3,000.00
Total Lump Sum Payment at Assignment = HK$437,100.00
Outstanding Balance = 70% x HK$1,400,000.00 = HK$980,000.00
Mortgage Insurance Loan = HK$0.00
Loan = HK$980,000.00
Assume Mortgage Interest Rate = 3% per annum
Monthly Repayment = HK$4131.72 < 45% x HK$12,000.00 = HK$5,400.00
Hence, it is viable
-------------------
For 80% Mortgage:
Premises Price = HK$1,400,000.00
Downpayment = 20% x HK$1,400,000.00 = HK$280,000.00
Property Agent Commission = 1% x HK$1,400,000.00 = HK$14,000.00
Stamp Duty = HK$100.00
Legal Cost = HK$3,000.00
Total Lump Sum Payment at Assignment = HK$297,100.00
Outstanding Balance = 80% x HK$1,400,000.00 = HK$1,120,000.00
Mortgage Insurance Loan = 1.65% x HK$1,120,000.00 = HK$18,480.00
Loan = HK$1,138,480.00
Assume Mortgage Interest Rate = 3% per annum
Monthly Repayment = HK$4799.88 < 45% x HK$12,000.00 = HK$5,400.00
Hence, it is viable
-------------------
For 85% Mortgage:
Premises Price = HK$1,400,000.00
Downpayment = 15% x HK$1,400,000.00 = HK$210,000.00
Property Agent Commission = 1% x HK$1,400,000.00 = HK$14,000.00
Stamp Duty = HK$100.00
Legal Cost = HK$3,000.00
Total Lump Sum Payment at Assignment = HK$227,100.00
Outstanding Balance = 85% x HK$1,400,000.00 = HK$1,190,000.00
Mortgage Insurance Loan = 2.4% x HK$1,190,000.00 = HK$28,560.00
Loan = HK$1,218,560.00
Assume Mortgage Interest Rate = 3% per annum
Monthly Repayment = HK$5137.50 < 45% x HK$12,000.00 = HK$5,400.00
Hence, it is viable
-------------------
2009-07-15 11:01:23 補充：
For 90% Mortgage:
Premises Price = HK$1,400,000.00
Downpayment = 10% x HK$1,400,000.00 = HK$140,000.00
Property Agent Commission = 1% x HK$1,400,000.00 = HK$14,000.00
Stamp Duty = HK$100.00
Legal Cost = HK$3,000.00
Total Lump Sum Payment at Assignment = HK$157,100.00
2009-07-15 11:01:32 補充：
Outstanding Balance = 90% x HK$1,400,000.00 = HK$1,260,000.00
Mortgage Insurance Loan = 3.55% x HK$1,260,000.00 = HK$44,730.00
Loan = HK$1,304,730.00
Assume Mortgage Interest Rate = 3% per annum
Monthly Repayment = HK$5500.79 > 45% x HK$12,000.00 = HK$5,400.00
2009-07-15 11:01:35 補充：
Hence, it is viable with 擔保人 for the repayment of HK$100.79
-------------------
2009-07-15 11:01:44 補充：
For 95% Mortgage:
Premises Price = HK$1,400,000.00
Downpayment = 5% x HK$1,400,000.00 = HK$70,000.00
Property Agent Commission = 1% x HK$1,400,000.00 = HK$14,000.00
Stamp Duty = HK$100.00
Legal Cost = HK$3,000.00
Total Lump Sum Payment at Assignment = HK$87,100.00
2009-07-15 11:01:52 補充：
Outstanding Balance = 95% x HK$1,400,000.00 = HK$1,330,000.00
Mortgage Insurance Loan = 3.98% x HK$1,330,000.00 = HK$52,934.00
Loan = HK$1,382,934.00
Assume Mortgage Interest Rate = 3% per annum
Monthly Repayment = HK$5830.51 > 45% x HK$12,000.00 = HK$5,400.00
2009-07-15 11:02:00 補充：
Hence, it is viable with 擔保人 for the repayment of HK$430.51
-------------------
2009-07-15 11:02:08 補充：
It seems that you could apply up to 85% mortgage without 擔保人.
2009-07-15 11:02:16 補充：
There would be a case that you have other regular monthly expense, such as subsidy to your grandparent, rent, etc. Normally bank would deduct those expense they found from your financial record from your monthly income. Hence the actual monthly income would be reduced (not HK$12,000.00)
2009-07-15 11:02:24 補充：
Another case is that you have poor repayment record for other prevoius loan, such as personal loan, credit card, etc. Bank would probably reduce your % from 45% downto say only 30%, to ensure you have capacity to repay the loan.
2009-07-15 11:04:36 補充：
the calculations are based on 30yrs mortgage tenor
2009-07-15 8:22 am
----銀行低息貸款-----
低息‧特快‧專業 用心為你服務～！
本人在銀行任職私人貸款業務主任,憑著本人在借貸上豐富的經驗
已在 網上 為很多網友成功借貸並爭取特低 優惠利率 及解決各網友不同種類o既財務問題!
由於在 討論區 關係,所以唔放便留公司名,敬請原諒!
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
無論低息清卡數清, 現金週轉, 結餘轉戶安排 , 投資, 交稅,創業,買車,家居裝修,旅遊等等...均可～!!!
專業個人信貸分析
還款期 6 至 72 個月任您選擇
申請手續簡易快捷,一站式專人跟進服務,無須親臨分行申請,免卻一般繁複手續！
如果你有難題,即管打俾我,我想以我對呢方面o既知識去幫助有需要既人！
就算幫唔到您,都會提供番專業意見比您！
Tel：6684 0832鄭生
銀行私人貸款 Tel：６６８４ ０８３２ (朝9-晚12) 鄭生
歡迎查詢各類貸款 E-mail : ＥＡＳＹＰＬＡＮＮＩＮＧＬＯＡＮ＠ＹＡＨＯＯ．ＣＯＭ．ＨＫ
低息‧特快‧專業 用心為你服務～！
本人在銀行任職私人貸款業務主任,憑著本人在借貸上豐富的經驗
已在 網上 為很多網友成功借貸並爭取特低 優惠利率 及解決各網友不同種類o既財務問題!
由於在 討論區 關係,所以唔放便留公司名,敬請原諒!
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
無論低息清卡數清, 現金週轉, 結餘轉戶安排 , 投資, 交稅,創業,買車,家居裝修,旅遊等等...均可～!!!
專業個人信貸分析
還款期 6 至 72 個月任您選擇
申請手續簡易快捷,一站式專人跟進服務,無須親臨分行申請,免卻一般繁複手續！
如果你有難題,即管打俾我,我想以我對呢方面o既知識去幫助有需要既人！
就算幫唔到您,都會提供番專業意見比您！
Tel：6684 0832鄭生
銀行私人貸款 Tel：６６８４ ０８３２ (朝9-晚12) 鄭生
歡迎查詢各類貸款 E-mail : ＥＡＳＹＰＬＡＮＮＩＮＧＬＯＡＮ＠ＹＡＨＯＯ．ＣＯＭ．ＨＫ
2009-07-15 7:56 am
【銀行低息貸款】
<<安居樂業!信心保證>>
香港三大發鈔銀行之一其下全資附屬機構!絕對不會受近日金融海嘯而收窄批核!
本人是某銀行附屬機構信貸部的客戶服務主任!
本公司現推出一系列借貸計劃,包括:結餘轉戶,私人貸款,循環貸款,
中小企貸款,樓宇按揭!
無論閣下選擇任何一個借貸計劃,均以低息計算,相比很多銀行或財務都要平!
如客戶是 :Auto pay出糧或能夠提供MPF單或稅單者!可亨特選客戶優惠
月平息最低至0.28%,
查詢熱線: ６９０９２５２５
而我們的借貸額由五千至五十萬,還款期由6個月至60個月,十分彈性!
另本公司現放寬借貸審核,毋求令到閣下能夠更易得到借貸!
而且我們現在還有一個免入息証明計劃,對象包括學生,家庭主婦,self empoly自僱人仕現金出糧或無入息証明者:
可以不需任何証明,只需閣下的紅簿仔,住址証明,身分證就可以借款,方便一些沒有糧單及稅單的客戶!
憑著本人在借貸上的經驗,已在知識+為很多網友成功借貸,本人樂意為閣下效勞,定必儘力爭取最低利息!
歡迎查詢任何有關上述任何貸款計劃,假設未能幫到妳都最起碼比返一些專業意見你!
如有任何問題可直接電話聯絡本人!
專線 :六九零九二五二五 謝先生
ｔｅｌ： ６９０９２５２５
[email protected]
<<安居樂業!信心保證>>
香港三大發鈔銀行之一其下全資附屬機構!絕對不會受近日金融海嘯而收窄批核!
本人是某銀行附屬機構信貸部的客戶服務主任!
本公司現推出一系列借貸計劃,包括:結餘轉戶,私人貸款,循環貸款,
中小企貸款,樓宇按揭!
無論閣下選擇任何一個借貸計劃,均以低息計算,相比很多銀行或財務都要平!
如客戶是 :Auto pay出糧或能夠提供MPF單或稅單者!可亨特選客戶優惠
月平息最低至0.28%,
查詢熱線: ６９０９２５２５
而我們的借貸額由五千至五十萬,還款期由6個月至60個月,十分彈性!
另本公司現放寬借貸審核,毋求令到閣下能夠更易得到借貸!
而且我們現在還有一個免入息証明計劃,對象包括學生,家庭主婦,self empoly自僱人仕現金出糧或無入息証明者:
可以不需任何証明,只需閣下的紅簿仔,住址証明,身分證就可以借款,方便一些沒有糧單及稅單的客戶!
憑著本人在借貸上的經驗,已在知識+為很多網友成功借貸,本人樂意為閣下效勞,定必儘力爭取最低利息!
歡迎查詢任何有關上述任何貸款計劃,假設未能幫到妳都最起碼比返一些專業意見你!
如有任何問題可直接電話聯絡本人!
專線 :六九零九二五二五 謝先生
ｔｅｌ： ６９０９２５２５
[email protected]
2009-07-14 11:16 pm
你屠層樓 140萬. 如按 7成. 即需向銀行借 98萬啦. 每月約需還款 $4200-4500 咁上下. 咁你月入 $12000. 供樓只用了你 1/3 工. 表面睇你按 7成應該冇問題 ka wor. 咁如銀行想搵個人做擔保人. 你咪求其搵個戚身有份工既簽個名都 ok ka la. 應該唔太大問題姐. 但切記, 唔好欠卡數呀. 銀行會計埋你個條數 ka. 會阻礙你借貸. 另外有否供車或其他分期之類 lor. 都會攤薄左你每日開支 ka ma
如最後銀行真係唔托批 7成. 點都批 5成掛. 另外 2成唯有問 UA 個 D 借 lor. 你有樓, 佢地實借 ka wor. 不過息口高 D lor.
如最後銀行真係唔托批 7成. 點都批 5成掛. 另外 2成唯有問 UA 個 D 借 lor. 你有樓, 佢地實借 ka wor. 不過息口高 D lor.
2009-07-14 10:51 pm
貸款、債務專家、9成以上成功
你好!
本人在程氏顧問行w w w . c H I N g s C o . c o m任職、專門協助解决財務上有疑難的人仕過關。
(給于每位客戶以最正面的途徑解決有關財政上而影響生活的問題..大大減低前途的影響性)
一站式的評估方案能助妳了解市面上的產品從而解決債務問題。
不用推銷手法或不隱藏產品及方案完成後所帶來的後果或不便，這是本公司一向的宗旨及作業的熱誠態度！如有以下問題，請即查詢請即
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你可直接在網上做網上申請或有電話致電直接查詢。想現金週轉、轉低息清卡數、試過申請但唔批、收入正常唔批、冇正常收入唔批、有推介電話、雜誌、報章、街邊、想試吓(問吓先知多啲)
本公司多年處理借錢業務令我們真正成為最了解全部銀行、財務、按揭、二線財務。每次申請它們要什麼資格巳經一清二楚，令成功機會達9成以上，所以借貸對我地係無難道。
但因有一些個案係供無可供，收資不能抵債、欠款兩三年由幾萬到今日十幾萬都唔知點解。
可試吓做大金額清數、債務重組、債務舒緩、如負債條件適合99%做到仲可減低信用卡供款利息一半。(保證成功否則原銀奉還)
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本人在程氏顧問行w w w . c H I N g s C o . c o m任職、專門協助解决財務上有疑難的人仕過關。
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本公司多年處理借錢業務令我們真正成為最了解全部銀行、財務、按揭、二線財務。每次申請它們要什麼資格巳經一清二楚，令成功機會達9成以上，所以借貸對我地係無難道。
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可試吓做大金額清數、債務重組、債務舒緩、如負債條件適合99%做到仲可減低信用卡供款利息一半。(保證成功否則原銀奉還)
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亦歡迎來到即時網上免費諮詢，所有借貸、清卡數、債務重組、債務舒緩、破產、樓按.. 等問題，都會為你提供在線諮詢。 歡迎來到即時網上免費諮詢，所有借貸、清卡數、債務重組、債務舒緩、破產、樓按.. 等問題，都會為你提供在線諮詢。 M S N: C h i n G s c o @ h o t m a i l . c om 在線服務時間：星期一至星期五 11:00 am ~ 7:00 pm。我們會立刻解答你的難題
收錄日期: 2021-04-19 14:58:03
原文連結 [永久失效]:
https://hk.answers.yahoo.com/question/index?qid=20090714000051KK00874