請問按樓問題請問按樓問題

一個正常的樓宇按揭貸款是需要所有業主(或受權人)一起申請並一起簽貸款合約的。所謂『聯名單位也可以單一戶主申請』，其實並不算是樓宇按揭貸款，它只是另一種私人貸款。基於你是半個業主，財務公司會給你較大的貸款銀碼。但在放出貸款的同時，財務公司可能會在有關物業的填土廳記錄上註上一個loan agreement，如日後還款有問題它便可以透過法律程序去接管物業上原本屬於你的部份，最終可以向法庭申請賣樓還債。

合法正路的財務公司都幫你唔到,因為你層樓係有2個人名

Non-means-tested Loan
HKD 80,000





Remaining Loan Tenor
4
yrs




16
quarters




Loan Interest Rate
3.60%
nominal annual rate




0.90%
effective quarterly rate




Quarterly Repayment
HKD 5,390.95





Average Monthly Amount
HKD 1,796.98












Premises Price
HKD 2,500,000.00

Downpayment (5%)
HKD 125,000.00

Property Agent Commission (1%)
HKD 25,000.00

Stamp Duty (1.5%)
HKD 37,500.00

Legal Cost
HKD 5,000.00

Total Lump Sum Cost
HKD 192,500.00

Mortgage Insurance Premium
HKD 94,525
HKD 89,775
HKD 80,275
HKD 68,400
HKD 58,900

Total Mortgage Loan
HKD 2,469,525
HKD 2,464,775
HKD 2,455,275
HKD 2,443,400
HKD 2,433,900

Mortgage Loan Tenor (yrs)
30
25
20
15
10


360
300
240
180
120

Mortgage Interest Rate (nominal annual rate)
2.15%

Monthly Repayment
HKD 9,314.20
HKD 10,627.98
HKD 12,596.00
HKD 15,892.82
HKD 22,559.03

Required Monthly Income
HKD 22,495.20
HKD 25,414.73
HKD 29,788.10
HKD 37,114.37
HKD 51,928.17

必須所有業主簽署才可按樓，仲要屋契抵押！才是樓宇按揭