可以用人工幾多去供樓

Premises Price
HK$1,600,000.00

Downpayment
HK$160,000.00
HK$228,900.00

Property Agent Commission
HK$16,000.00

Stamp Duty
HK$100.00

Legal Cost
HK$5,000.00

Total Lump Sum Cost
HK$181,100.00
HK$250,000.00





Remaining Balance
HK$1,440,000.00
HK$1,371,100.00

Insurance Premium
HK$57,312.00
HK$54,569.78

Mortgage Loan
HK$1,497,312.00
HK$1,425,669.78

Loan Tenor
30 Yrs

Monthly Repayment
HK$6,280.09
HK$5,979.60

Required Income Level
HK$12,560.18
HK$11,959.21
Normally, the definition of income is Salary / Wage - Regular Expense

for your case:
Salary = 19000
Regular Expense = 5700

the Sundary = 3500 should not be countered.

Normally, the maximum Debt-To-Income Ratio = 50%, but it would be 45% if Loan-To-Value > 90% and loan tenor > 25 years

你層樓係私樓抑或係居屋呀?
私樓首期要係樓價三成喎,你得25萬,邊夠買160萬嘅樓呀,豈碼要有48萬首期喎.
如果係居屋咁你有25萬就夠啦,居屋係房署做担保25年期嘅,咁居屋已經有十年樓齡,咁即係供15年,保險5700加日常3500,即係9200,咁你仲有成萬蚊供樓,咁你係可以供居屋嘅,但係私樓你就儲吓先啦.
但係你係公屋戶主名用綠表抽抑或係單人身份以白表申請呢?因為六月嘅居屋貨尾係八成比綠表,二成比白表嘅,咁就祝你好運啦.