The Basic Principles Of 新手買家按揭指南

The Basic Principles Of 新手買家按揭指南

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　   從上文可知，「即供」與「建期」最大的分別在於發展商提供的折扣優惠，以及買家支付樓價尾數的時間。

坊間常說買新樓可找代理回佣，你了解當中意思嗎？回佣到底如何運作？即睇【回佣須知】。

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由於二按大多由非銀行機構所提供，所以貸款不在金管局的規管範圍內，故審批過程會寬鬆一些。同時，二按不設樓價申請上限，亦不會索取「按揭保費」，因此是個可考慮的高成數按揭方案。

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除了發展商按揭，還有一種呼吸strategy是不須壓測、沒有入息要求、由銀行提供，而且更有政府擔保，那就是綠表人士的公屋按揭和居屋按揭。

為了讓按揭申請過程更順利、更快速，申請人可參考以下情況，預早準備相關文件：

“LivePlan built us sense assured and protected inside our numbers and gave us a transparent check out of our past, present and foreseeable future!”

房委會提供的居屋，有政府作擔保，因此毋須做壓力測試，而按揭成數上限一般比私樓高。針對一手居屋、未補地價二手居屋、已補地價二手居屋，綠表及白表的最高按揭成數及年期分別如下：

銀行敍造按揭貸款時，須遵守金管局的按揭成數規定，當申請人超出成數上限，要購買按揭保險 (購買資助房屋除外），以降低銀行壞帳風險。按揭保費是申請高成數按揭的保險費，收費則視乎不同公司，清還方式分為一次過繳清或每年繳付，而按揭成數及年期亦影響收費。

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