我想第一次買樓問題

做9成或9成半按偈不可張物業出租，出租物業只按七成，供的利息是貴過正常的，出租亦須得銀行批准！

喂!~
而家重有100萬既樓??
係邊度??
我睇深水埗哋5.60年..舊唐樓..好細~~都開價150萬啦~~
你過的~~住唔住得人架???

Assume 3% mortgage interest rate (effective annual rate) on conservative side:

For 95% HKMC mortgage loan:







Premises Price
HK$1,000,000.00

Downpayment
HK$50,000.00

Insurance Premium
HK$37,810.00
HK$35,910.00
HK$32,110.00
HK$27,360.00
HK$23,560.00

Mortgage Loan
HK$987,810.00
HK$985,910.00
HK$982,110.00
HK$977,360.00
HK$973,560.00

Loan Tenor (yrs)
30
25
20
15
10

Monthly Repayment
HK$4,143.11
HK$4,654.57
HK$5,426.88
HK$6,730.46
HK$9,382.59

Required Monthly Income
HK$9,206.92
HK$10,343.48
HK$10,853.76
HK$13,460.92
HK$18,765.18
For 90% HKMC mortgage loan:







Premises Price
HK$1,000,000.00

Downpayment
HK$100,000.00

Insurance Premium
HK$31,950.00
HK$30,150.00
HK$26,820.00
HK$22,500.00
HK$19,350.00

Mortgage Loan
HK$931,950.00
HK$930,150.00
HK$926,820.00
HK$922,500.00
HK$919,350.00

Loan Tenor (yrs)
30
25
20
15
10

Monthly Repayment
HK$3,908.82
HK$4,391.32
HK$5,121.36
HK$6,352.67
HK$8,860.15

Required Monthly Income
HK$7,817.65
HK$8,782.64
HK$10,242.72
HK$12,705.35
HK$17,720.29
問做9成或9成半按偈可否張物業出租,,,..供的利息是否有變...?
No. HKMC (not the bank) does not allow property for rent. HKMC only allows property for self use. The max. no. of property on hand is 2 nos. and each of one should be at least occupied by 1 of the property owner.

2010-04-17 15:35:20 補充：
yellow one are those income below 10,000 (i.e. only 1 person)
blue one are those above 10,000 (i.e. required 2 people)