Home按揭資訊How to get a mortgage in Hong Kong? A complete guide for...

How to get a mortgage in Hong Kong? A complete guide for locals and expats.

Whether you are a local or expat, as long as you plan to stay in Hong Kong in the near future, buying a property is very likely to be a thing on your “to do list”. However, as we all know, Hong Kong has one of the most expensive property market in the world. Therefore, getting a mortgage for your home purchase is inevitable. Getting a mortgage in Hong Kong is not an easy task either. There are many regulations and guidelines home buyers must understand and follow, but don’t worry ROOTS will cover everything you need to know about how to get a mortgage in Hong Kong.

Before we continue on the topic, we want to let you know that ROOTS is the first online mortgage broker and startup focusing on mortgage in Hong Kong. ROOTS’ core services include an “online mortgage application form” and “mortgage pre-assessment report”.

The online mortgage application form is an all-inclusive application form which allows you to directly apply bank mortgages at home. The online form will save you time from going to the bank and filling out paper forms.

The mortgage pre-assessment report, is an A.I. algorithm backed feature that can assess your mortgage affordability and application success rate. By using the pre-assessment report, home buyers can understand how much they can loan based on their current financial situation. Therefore, it can avoid the risk of losing the deposit you paid because you were unable to obtain a mortgage loan from a bank.

Last but not least, BOTH of the services are FREE for anyone to use and feel free to contact us should you have any questions. Click here to WhatsApp ROOTS!

What is property mortgage loan?

A property mortgage loan is an agreement between the homebuyer and the lender, usually a bank, where the lender agrees to loan the borrower a fixed amount of money to finance a property transaction and the borrower agrees to repay the lender at an interest rate over a fixed period of time using the property as a collateral. If the borrower fails to repay the monthly payment/interest, the mortgage loan agreement will give the lender the right to take possession of the property.

Step by step guide on the home purchasing process and when to apply for a mortgage

  1. Complete the mortgage pre-assessment report to understand your affordability and calculate your home purchase budget
  2. Start looking for your dream home through a property agent
  3. Conduct a verbal valuation on the property you identified through ROOTS
  4. Sign preliminary sales and purchase agreement and place your deposit
  5. Complete our online mortgage application form
  6. Wait for your mortgage to get approved and complete the transaction through a reliable solicitor

The home purchasing journey in Hong Kong is more or less the same as most other parts of the world, but there are a few things you have to be mindful about. Firstly, banks in Hong Kong do not allow you to apply for a mortgage before signing the preliminary sales and purchase agreement. Meaning you have to first pay a deposit before knowing whether you can secure a mortgage loan from the bank. The risk here is that you might have to forfeit your deposit if your mortgage doesn’t get approved. Not to worry, we are well aware of the situation and that is why we developed the pre-assessment report to help you assess your situation before you place your deposit. In the end, our service can help minimize the risk of forfeiting your deposit because the bank won’t grant you a mortgage.

Secondly, it is important for any home buyers to conduct property valuation from various banks before signing the sales and purchase agreement. Knowing the valuation not only prevents you from getting ripped off by the seller, but also help secures your mortgage application. Banks in Hong Kong rarely grants a loan for a property transacted at 10% above or below market value.

What is Loan-to-value Ratio (LTV) and how much property mortgage loan can you get?

How much mortgage property mortgage loan can you get largely depends on your property price and your financial status/income. While the mechanics behind the calculation can be quite complicated, the easiest way to the answer is the first understand how much you can loan based on your property price, that is also called the loan-to-value (LTV) ratio. The LTV ratio is simply a ratio indicating how much you can loan according to the property value.

For any constructed/completed/pre-constructed/off-plan property below HK$6m, you can refer to the table below. Property priced at or below HK$4m can get a maximum of 80% or 90%. Property above HK$4m and below HK$4.5m can get a maximum of 80% or 90%. Property above HK$4.5m and below HK$6m can get a maximum of 80%. Any loan applying for 90% is only eligible to mortgagors not holding any residential properties in Hong Kong and who are regular salaried persons (fixed income and not commission based).

For any constructed/completed/pre-constructed/off-plan property for self-use below HK$6m

Property ValueMaximum LTV Ratio
At or below HK$4 million80% or 90%*
Above HK$4 million and
below HK$4.5 million
80% – 90%*
(subject to a loan cap of HK$3.6 million)

At or above HK$4.5 million and
up to HK$6 million
80%
(subject to a loan cap of HK$4.8 million)

For any constructed/completed property below HK$30m, you can refer to the table below. Property priced at or below HK$10m can get a maximum of 90%. Property above HK$10m and below HK$11.25m can get a maximum of 80% or 90%. Property at HK$11.25m and below HK$15m can get a maximum of 80%. Property at or above HK$15m and up to HK$17.15m can get a maximum of 70% or 80%. Property above HK$17.15m and up to HK$30m can get a maximum of 70%. Any loan applying for 90% is only eligible to mortgagors not holding any residential properties in Hong Kong and who are regular salaried persons (fixed income and not commission based).

For any constructed/completed property for self-use

Property ValueMaximum LTV Ratio
At or below HK$10 million90%
Above HK$10 million and
below HK$11.25 million
80% – 90%*
(subject to a loan cap of HK$9 million)
At HK$11.25 million and HK$15 million80%
At or above HK$15 million and
up to HK$17.15 million
70% – 80%*
(subject to a loan cap of HK$12 million)
Above HK$17.15 million and
up to HK$30 million
70%

Two things to note is that, the above LTV maximum ratio is only for self-use property. For any non-self-use property, the maximum is only 60% LTV. Secondly, for mortgage loans above 70% depending on the case, the applicant will need to purchase mortgage insurance. Without paying mortgage insurance premium, home buyers cannot loan more than 70%.

What is mortgage insurance progamme?

The Mortgage Insurance Programme (MIP) was launched by The Hong Kong Mortgage Corporation Limited (“HKMC”) in March 1999 for promoting home ownership in Hong Kong. According to guidelines issued by the HK Monetary Authority, banks have to comply with certain loan-to-value requirements. Generally speaking, banks are not allowed to loan at a high LTV ratio (anything above 70%) due to incurring additional credit risk. However, with the MIP, banks can loan up to 90%. That means, homebuyers may only need to pay 10% of the property price for the down payment.

How to apply for maximum loan-to-value ratio 80%/90%?

As mentioned above, getting a loan with maximum loan-to-value requires the homebuyer to purchase mortgage insurance and fulfill the below requirements:

Requirements80% LTV Ratio90% LTV Ratio
First-time buyersBuyer can hold other residential property at the time of applicationBuyer cannot hold other residential property at the time of application
Regular Salaried/Fixed Income PersonsApplicants can be non-fixed income/self-employedAll applicants must be employed and regular salaried
Property UseSelf-use by applicant or relativesSelf-use by applicant or relatives

How much can you borrow based on your income?

Knowing how much the banks are willing to borrow based on the property value, the next step is to estimate how much you can borrow based on your income. The income based approach mortgage lending is also known as debt servicing ratio (DSR) based lending. Without going too deep into the mechanics behind the calculation, a simple rule of thumb is every HK$10,000 monthly income, you are likely able to loan up to HK$1m of mortgage. This rule of thumb assumes the applicant or home buyer does not have any debt or mortgage outstanding and is younger than 50 years old.

What is Debt Servicing Ratio (DSR)?

Debt servicing ratio (DSR) is a calculation method that evaluates the mortgage loan applicant’s repayment ability and affordability. In a normal case, a first time home buyer’s DSR cannot surpass 50%. Meaning your monthly mortgage payment cannot be more than 50% of your monthly income. If your income is at HK$50,000 a month, your monthly mortgage payment at 2.5% interest rate cannot be more than HK$25,000.

What is a mortgage stress test?

To combat the housing bubble in the early days, the HKMA implemented a stress test requirement to further tighten the mortgage policies. Essentially, a stress test calculates your debt servicing ratio if the monthly mortgage payment has a 3% interest rate hike. In today’s terms, the stress test calculates your DSR if mortgage interest rate is at 5.5%. In a normal case, your DSR after the 3% interest rate hike cannot be more than 60% of your income.

What documents do you need to apply for a mortgage?

The list of documents required for a mortgage loan application is rather straight forward:

  • Applicants’/borrowers’/guarantors’ HKID
  • Sales and purchase agreement
  • Latest 3-6 months bank statement
  • Tax Demand Note of the latest financial year
  • Latest 3-6 months income proof and/or payroll slips

If you are a self-employed applicant and not a regular salaried person you will also need to provide:

  • Business Registration Certificate
  • 6 months of business banking records
  • Business’ Tax Demand Note
  • Audited Financial Statement or Management Accounts of the latest financial year
  • Practicing Certificate for professionals

What is the mortgage loan interest rates in Hong Kong?

Essentially, there are two types of mortgage loan interest rates in Hong Kong. There is a HIBOR rate (aka H Plan) and PRIME rate (aka P Plan). HIBOR rate is the interest rate used for lending between the banks within Hong Kong. PRIME rate is a rate decided by the bank itself.

H PlanP Plan 
Interest Rate FluctuationVolatileSteady
Rate decision factorLending rates between banksUS Interest Rate
Cap RateYesNo
Today’s Interest Rate(11/4/2024)4.31%5.75%-6.125%
Effective Interest Rate assuming H+1.3%/P-2%4.125%4.125%

Typically, most mortgage offers a plan that gives you both H Plan and P Plan. A typical mortgage offer looks like H+1.3% / P – 2.2% (Cap 4.125%). Meaning, each month the bank will calculate the interest rates for the month based on the HIBOR or PRIME rate for the month and will apply whichever rate is lower. In addition, usually there is a cap rate included to protect the buyer from rate hikes. If the cap rate is set at 4.125%, no matter how high HIBOR or PRIME become, the effective annual interest rate will still be 4.125%.

Please find the indicative interest rate below for your reference, for more accurate rates feel free to Click here to WhatsApp ROOTS.

BankPrime RatePrime OfferHIBOR OfferMortgage LinkPenalty Period
Bank of China5.875%P-1.75%H+1.3%Yes2yrs
HSBC5.875%P-1.75%H+1.3%Yes2yrs
Hang Seng Bank5.875%P-1.75%H+1.3%Yes2yrs
Bank of East Asia6.125%P-2%H+1.3%Yes2yrs
ICBC6.125%P-2%H+1.3%Yes2yrs
Citibank6.125%P-2%H+1.3%Yes2yrs
Bank of Communications6.125%P-2%H+1.3%Yes2yrs
Standard Chartered Bank6.125%P-2%H+1.3%Yes2yrs
Chonghing Bank6.125%P-2%H+1.3%Yes2yrs
Chiyu Bank6.125%P-2%H+1.3%Yes2yrs
Citic Bank6.125%P-1.5%H+1.3%Yes2yrs
Fubon Bank6.25%P%H+1.3%No2yrs

How much does it cost to apply for a mortgage and what fees do you need to pay?

While properties are expensive in Hong Kong, getting a mortgage is not. Most of the mortgage services you find in Hong Kong should be free of charge. From applying for a mortgage loan at a bank to using our mortgage brokerage service online are all free of change. The only cost you will need to incur would be the legal charge or lawyer fee charged by solicitors who will help you execute the legal documents. A typical mortgage case’s legal fee should cost no more than HK$10,000.

What is mortgage-linked account?

A mortgage-linked account or mortgage-link loan scheme is a product feature provided by banks to the homebuyer. Basically, it is a mechanism which allows you to enjoy preferential interest rate for designated savings account of which the savings interest rate is equivalent to the mortgage loan interest rate. Therefore, the designated savings account interest generated can offset mortgage loan interest with preferential savings rate. A mortgage-linked account is highly favored by homebuyers because higher interests income will be generated than from a general HKD savings account. Furthermore, the savings account owner can have the flexibility to withdraw cash anytime, unlike other banking products such as certificate of deposit.

However, one thing to note is that the preferential interest rate on the savings credit balance can only be up to 50%-60% of the outstanding principal of the mortgage loan.

What is mortgage cash rebate?

The term “cash rebates” applies to lump sum payments, payments by instalments, and interest or repayment holidays offered to borrowers. If a cash rebate offered is over 1% of the loan amount of a residential mortgage, it should be treated as part of the loan amount for calculating the LTV ratio. If a cash rebate is not over 1% of the residential mortgage, there is no need for it to be counted as part of the loan amount. Meaning, homebuyer can receive the rebate in a form of cash. However, disbursement of the cash rebate should be made only after completion of the purchase of the property in question.

What is mortgage penalty period?

Most banks in Hong Kong have a so called “Penalty Period” term attached to each new mortgage loan drawdown. What it means is that if you redeem your loan or prepay the loan during the penalty period there will be an additional penalty fee. The penalty period usually ranges from 2-3 years and the fee ranges from 1-3% of the original loan amount, such as:

  • 3% of the original loan amount upon early redemption in the 1st year
  • 2% of the original loan amount upon early redemption in the 2nd year
  • 1% of the original loan amount upon early redemption in the 3rd year

To avoid any sort of penalty and fees charged, we recommend any early redemption/prepayment/refinancing to be done after the penalty period.

Who is ROOTS? Why apply mortgage with us?

ROOTS is an online mortgage brokerage startup founded in 2018 that aims to simplify homebuyer’s mortgage process. Finding your dream home can be a daunting task but financing it shouldn’t and we are here to help you go through it along the way.

Our “online application form” allows you to apply for various bank mortgages within 5 minutes. Saving you time from visiting banks physically and filling out paper forms.

Our “mortgage pre-assessment report” is an A.I. algorithm tool is like a body check on your financial status that tells you your mortgage application success rate and loan affordability.

With ROOTS, you will have people by your side the whole way. They will take the mortgage burden off your back. Our team will find you the best mortgages and help you apply for one at ease. Whether you are planning to buy or have already signed a sales and purchase agreement, reach out to us now to find the best mortgage for you. Click here to WhatsApp ROOTS!

立即 WhatsApp ROOTS上會!

如果大家對於買樓或申請按揭有任何疑問,或者想了解更多置業相關的資訊,ROOTS上會都是你的最佳資訊站。立即聯絡我們了解更多!

ROOTS上會3大服務

全港首個按揭科技平台「ROOTS上會」致力為每位香港人解決「上車」及「上會」煩惱。

獨家A.I.按揭評估

只需要3分鐘填寫置業需要,簡單申報個人財政狀況,便可即時獲取網上按揭報告分析個人負擔能力。

首創網上按揭申請表

5分鐘遞交網上按揭申請表即可申請全港銀行按揭,可自行挑選或由系統分析合適的銀行,隨時隨地方便快捷。

最詳盡按揭利率回贈資訊

ROOTS 每日向銀行取得最新按揭資訊,為各位搜羅最低利率 offer 及最高回贈優惠。

ROOTS上會獨家優惠

ROOTS上會好師傅裝修優惠

獨家裝修現金券、免費裝修諮詢、師父上門度尺報價、驗樓服務、裝修工程折扣等等。

Circa London Logo | ROOTS上會

ROOTS上會夥拍Circa London為香港人提供一站式英國物業投資及按揭服務。

One Degree Logo ROOTS上會

最新按揭火險客戶優惠。隨時網上投保,幫你慳錢又慳力。

相關樓市按揭資訊

【NOVO LAND 3B期】屯門版YOHO?! 14座4,585伙 成屯門區最大私人項目 |附按揭資訊

https://youtu.be/6BNQeE6eCRs 「屯馬開通真的很興奮~」自從屯馬線開通後,出入新界西真是方便了許多!繼早前錦上路站的柏瓏開賣後,即將又有新盤開賣了!不知大家之前有否聽過兆康54區呢?發展商新鴻基命名了這個項目稱為「NOVO LAND」,終於在7月開賣第一期!NOVO LAND 被稱為「2022最平新盤」,不知大家又有沒有興趣購買呢? 更新:於2023年2月推出NOVO LAND 2B期、於2023年5月推出NOVO LAND 2A期、於2024年6月推出NOVO LAND 3B期! 除了定時定候提供最新的樓市、按揭相關資訊之外,作為數碼港成員機構的ROOTS上會致力透過創新科技為香港每一位解決按揭煩惱。金融科技平台ROOTS上會打造香港首創網上按揭申請表,一次過免費幫客戶向多間銀行遞交申請,無須再踏入銀行分行用手填表。與此同時,ROOTS上會創立獨家A.I.按揭評估,讓客戶了解按揭負擔能力、獲批按揭的機會、按揭利率、現金回贈等資訊,以衡量是否落訂買樓及應選擇申請哪些銀行按揭計劃,大大減低撻訂機會。另外,我們亦提供精準的智能按揭計算機方便各位計算能否通過壓力測試及每月按揭供款額。 獨家A.I.按揭評估:【A.I.按揭評估】預測按揭批核機會首創網上按揭申請表:【網上按揭申請表】一次過向多間銀行網上遞交申請按揭利率回贈比較:【按揭計劃】各大銀行按揭利率及回贈一覽智能按揭計算機:【按揭計算機】幫您計算壓力測試結果及每月按揭供款額最新樓市按揭資訊:【BLOG】提供最新置業、樓市及按揭資訊 【延伸閱讀】一手樓花置業懶人包【樓花攻略】了解買入程序、必須注意的事項【新盤收樓】樓花收樓程序一覽!【樓花按揭懶人包】睇清一手新盤即供建期利弊及如何影響按揭? 【買樓花】抽一手新盤流程攻略、樓書價單分析及按揭攻略!【買樓花】抽一手樓不可不知的6大中伏位及注意事項! https://www.youtube.com/watch?v=YTBg3l0KDpA NOVO LAND 基本資料 54區大概在整個屯門的西北面,整個區算是比較大,比較近港鐵兆康站那邊。這個區與原有的輕鐵網絡不算很近,而隨住發展,這一帶人口未來會增多,所以到時會增設其他巴士線出入這區,住在這裡的話就未必有需要乘坐輕鐵出入。不過,現在54區的樓盤還在興建當中,交通配套未完善,我們由輕鐵建生站出發,大概花了7分鐘到達NOVO LAND,整段路基本上都是全露天,幸好當天天氣不錯,如果落雨應該會比較麻煩。 NOVO LAND是屯門區歷來最大型的私人住宅項目,分六期發展,提供超過4,500伙,擁有40萬呎會所和公共花園,還會有約5萬呎的商場,希望可以打造成「屯門版YOHO」。即將開賣的1A期有2座,提供824伙,主打1房同2房中小型單位,預計關鍵日期是23年6月,樓花期大概14個月。 地址屯門欣寶路8號發展商新鴻基地產座數14座伙數4,585伙戶型開放式至四房預計關鍵日期2023年6月29日 (1A期)2023年6月30日 (1B期)2024年5月16日 (2A期)2024年5月17日 (2B期)2024年12月31日 (3A期)2025年3月31日 (3B期) 期數1A期1B期2A期2B期3A期3B期伙數824伙800伙929伙729伙534伙769伙 NOVO LAND 1A期基本資料和價單 NOVO LAND...

【MIDTOWN SOUTH】推出第四期THE HADDON|必嘉坊 BAKER CIRCLE|附按揭資訊

https://youtu.be/d0kT66RYdiY 東鐵綫過海段開通後,由紅磡站到會展站只需要5分鐘車程,過海真的很方便!聽聞紅磡多美食,不知大家又是否認同呢?我們會帶大家到紅磡區實地考察,還會帶大家睇區內新盤 — 必嘉坊! 除了定時定候提供最新的樓市、按揭相關資訊之外,作為數碼港成員機構的ROOTS上會致力透過創新科技為香港每一位解決按揭煩惱。金融科技平台ROOTS上會打造香港首創網上按揭申請表,一次過免費幫客戶向多間銀行遞交申請,無須再踏入銀行分行用手填表。與此同時,ROOTS上會創立獨家A.I.按揭評估,讓客戶了解按揭負擔能力、獲批按揭的機會、按揭利率、現金回贈等資訊,以衡量是否落訂買樓及應選擇申請哪些銀行按揭計劃,大大減低撻訂機會。另外,我們亦提供精準的智能按揭計算機方便各位計算能否通過壓力測試及每月按揭供款額。 獨家A.I.按揭評估:【A.I.按揭評估】預測按揭批核機會首創網上按揭申請表:【網上按揭申請表】一次過向多間銀行網上遞交申請按揭利率回贈比較:【按揭計劃】各大銀行按揭利率及回贈一覽智能按揭計算機:【按揭計算機】幫您計算壓力測試結果及每月按揭供款額最新樓市按揭資訊:【BLOG】提供最新置業、樓市及按揭資訊 【延伸閱讀】一手樓花置業懶人包【樓花攻略】了解買入程序、必須注意的事項【新盤收樓】樓花收樓程序一覽!【樓花按揭懶人包】睇清一手新盤即供建期利弊及如何影響按揭? 【買樓花】抽一手新盤流程攻略、樓書價單分析及按揭攻略!【買樓花】抽一手樓不可不知的6大中伏位及注意事項! 必嘉坊基本資料 必嘉坊收樓歷時超過20年,是近30年來私人發展商最大型的市區重建項目。必嘉坊橫跨四條街道,分別是機利士南路、黃埔街、寶其利街和必嘉街。 必嘉坊涉及總樓面面積超過100萬呎,分3期發展,一共有9座住宅大樓,提供大約2,800伙。還會設有近1公里的商業步行街,提供大約16.8萬呎的商業零售樓面,預計全面落成要到2027年。 地址紅磡機利士南路30至44號發展商恒基地產座數9座伙數約2800伙 必嘉坊首階段推出Baker Circle One,位於機利士南路和寶其利街一帶,由3座住宅大樓所組成,提供大約1,000伙,主打1房和2房戶型,首先開賣的第一期命名為必嘉坊.㬢匯,提供324伙,實用面積由180至569呎,包括開放式至三房戶型,當中一房戶型是主打,佔了大約6成。 必嘉坊.㬢匯 預計於2024年首季落成,樓花期大約20個月。 單位面積180 - 569呎戶型開放式至3房伙數開放式單位:84伙一房單位:194伙兩房單位:42伙特色頂層單位:4伙預計關鍵日期2024年3月31日 必嘉坊.迎匯價單 於2022年11月3日(星期四)公布必嘉坊第二期必嘉坊.迎匯首張價單,合共56伙,包括開放至三房戶型,實用面積222呎至514呎,折實平均呎價$21,238,較2022年6月首張必嘉坊.㬢匯價單低10%,折實價為458.82萬起。56伙定價為509.8萬至1,250.6萬,呎價為$22,515 - $25,011,以最高折扣10%計算,折實售價為458.82萬至1,125.54萬,折實呎價$20,263 - $22,510。 於2023年3月23日(星期四)加推必嘉坊第二期必嘉坊.迎匯2號價單,合共56伙,包括開放式及一房戶型,實用面積214呎至374呎,折實平均呎價$19,218,較2022年11月首張價單平約10%,折實價為399.78萬起。56伙定價為444.2萬至841萬,呎價為$19,898 - $22,487,以最高折扣10%計算,折實售價為399.78萬至756.9萬,折實呎價$17,908 - $20,238。 於2023年3月27日(星期一)加推必嘉坊第二期必嘉坊.迎匯3號價單,合共28伙,都是一房戶型,實用面積270呎至374呎,折實平均呎價$19,888,折實價為512.82萬起。28伙定價為569.8萬至873.9萬,呎價為$21,104 - $23,366,以最高折扣10%計算,折實售價為512.82萬至786.51萬,折實呎價$18,993 - $21,029。 將於3月31日(星期五)展開新一輪銷售,合共84伙,包括15伙開放式及69伙一房戶型。 必嘉坊三期GREENWICH資料 必嘉坊三期BAKER CIRCLE.GREENWICH提供278伙,實用面積197至749呎,主打一房單位,共154伙,佔約六成。 戶型實用面積伙數開放式212...

【將軍澳昭明苑】一文睇清樓盤資料、按揭申請事宜!|居屋2022

居屋2022推出了將軍澳昭明苑,單位數目有594伙。屋苑預計關鍵日期為2024年11月30日,年尾就準備收樓!今文ROOTS上會為你介紹將軍澳昭明苑,更會為大家提供申請按揭的資訊,等你清楚了解按揭申請詳情! 除了定時定候提供最新的樓市、按揭相關資訊之外,作為數碼港成員機構的ROOTS上會致力透過創新科技為香港每一位解決按揭煩惱。金融科技平台ROOTS上會打造香港首創網上按揭申請表,一次過免費幫客戶向多間銀行遞交申請,無須再踏入銀行分行用手填表。與此同時,ROOTS上會創立獨家A.I.按揭評估,讓客戶了解按揭負擔能力、獲批按揭的機會、按揭利率、現金回贈等資訊,以衡量是否落訂買樓及應選擇申請哪些銀行按揭計劃,大大減低撻訂機會。另外,我們亦提供精準的智能按揭計算機方便各位計算能否通過壓力測試及每月按揭供款額。 獨家A.I.按揭評估:【A.I.按揭評估】預測按揭批核機會首創網上按揭申請表:【網上按揭申請表】一次過向多間銀行網上遞交申請按揭利率回贈比較:【按揭計劃】各大銀行按揭利率及回贈一覽智能按揭計算機:【按揭計算機】幫您計算壓力測試結果及每月按揭供款額最新樓市按揭資訊:【BLOG】提供最新置業、樓市及按揭資訊 居屋2022 — 將軍澳昭明苑 Chiu Ming Court資料 地址昭信路11號座數1座層數42層單位數目594伙實用面積283至461呎售價169萬至335萬平均呎價6,920元預計關鍵日期2024年11月30日校網小學:95校網,中學:西貢區 https://youtube.com/shorts/PajhUI4q1Qk 實用面積伙數283 – 297呎228伙383 – 404呎328伙461呎38伙共594伙 實用資料: 房委會昭明苑網站 昭明苑售樓說明書 昭明苑價單 昭明苑成交紀錄冊 將軍澳昭明苑何時能向銀行申請按揭? 將軍澳昭明苑關鍵日期為2024年11月30日,已可向銀行申請按揭。 現時為將軍澳昭明苑申請按揭是否合適時機?會否愈遲申請愈好? 一般私人住宅建議於關鍵日期前三個月向銀行申請按揭,因按揭保險公司審批有效期為3個月。而一手居屋按揭有政府擔保,即使申請高成數按揭(七成以上)都不需要經按揭保險公司審批,加上現時銀行按揭計劃比較浮動,愈早申請有機會利率會較低,我們建議客人盡早申請以保留現時較佳的按揭計劃。 將軍澳昭明苑按揭最高可以做幾多成按揭?還款年期可以做幾長? 綠表買家最高可以申請95%按揭,白表買家最高可以申請90%按揭。還款年期最長為30年。 如沒有收入證明可不可以申請到按揭? 因居屋有房委會作擔保,所以銀行審批會比較寬鬆,只要簽署聲明書證明有能力還款就可以。即使業主已退休沒有工作收入,亦可以申報家庭收入。 將軍澳昭明苑按揭可以選用H按或P按?現時利率是多少? 早前房委會消息公佈,居屋按揭除了P按選擇,於2022年11月1日起推展至H按。但近月銀行同業拆息利率(HIBOR)不斷上升,H按已觸及封頂利率,所以現時選擇H按基本上與P按沒大分別,除非日後銀行同業拆息利率(HIBOR)回落,這樣轉按選用H按才會較為優惠。 現時按揭利率為 H+1.3%(封頂P-1.75%)= 4.125%。 有哪些銀行可為將軍澳昭明苑提供按揭? 一共有19間銀行為「出售居者有其屋計劃單位2022 提供按揭貸款的指定銀行/財務機構」,詳情可參閱此名單。雖然有這麼多間銀行可以選擇,但一般大多只會經某幾間銀行辦理居屋按揭,如想了解更多可WhatsApp我們的按揭專員了解更多。 什麼是綠色按揭?綠色按揭有什麼優惠?將軍澳昭明苑是否可以申請? 現時多間銀行推出「綠色按揭」計劃,按揭申請過程全無紙化,由遞交按揭申請、上載申請文件、查閱批核結果至日常賬單管理,全程線上辦理,將按揭服務數碼化,推動減碳環保。申請「綠色按揭」亦可獲得額外優惠,以吸引業主購入符合綠建環評原則的物業,並進一步提倡環保理念。 將軍澳昭明苑都在綠建環評住宅名冊內,是取得綠建環評鉑金級或金級認證的物業,可以向銀行申請綠色按揭。 將軍澳昭明苑按揭審批一般需要多久? 現時一般按揭審批需時約兩至三星期。 經ROOTS上會申請將軍澳昭明苑按揭有什麼好處或優惠? 經ROOTS上會申請按揭快捷方便,可於網上辦理,不需花時間到分行手填申請表,還可為你比較銀行現時最新按揭優惠,直接轉介至銀行按揭部同事聯絡,ROOTS上會按揭專員還會為你定時跟進按揭審批進度,確保申請順利。除此以外,申請將軍澳昭明苑按揭還有額外優惠,詳情可Whatsapp按揭專員查詢。 相信參閱此文章後大家會更了解將軍澳昭明苑,如果有任何申請按揭問題,歡迎與我們聯絡!

其他最新資訊

【NOVO LAND 3B期】屯門版YOHO?! 14座4,585伙 成屯門區最大私人項目 |附按揭資訊

https://youtu.be/6BNQeE6eCRs 「屯馬開通真的很興奮~」自從屯馬線開通後,出入新界西真是方便了許多!繼早前錦上路站的柏瓏開賣後,即將又有新盤開賣了!不知大家之前有否聽過兆康54區呢?發展商新鴻基命名了這個項目稱為「NOVO LAND」,終於在7月開賣第一期!NOVO LAND 被稱為「2022最平新盤」,不知大家又有沒有興趣購買呢? 更新:於2023年2月推出NOVO LAND 2B期、於2023年5月推出NOVO LAND 2A期、於2024年6月推出NOVO LAND 3B期! 除了定時定候提供最新的樓市、按揭相關資訊之外,作為數碼港成員機構的ROOTS上會致力透過創新科技為香港每一位解決按揭煩惱。金融科技平台ROOTS上會打造香港首創網上按揭申請表,一次過免費幫客戶向多間銀行遞交申請,無須再踏入銀行分行用手填表。與此同時,ROOTS上會創立獨家A.I.按揭評估,讓客戶了解按揭負擔能力、獲批按揭的機會、按揭利率、現金回贈等資訊,以衡量是否落訂買樓及應選擇申請哪些銀行按揭計劃,大大減低撻訂機會。另外,我們亦提供精準的智能按揭計算機方便各位計算能否通過壓力測試及每月按揭供款額。 獨家A.I.按揭評估:【A.I.按揭評估】預測按揭批核機會首創網上按揭申請表:【網上按揭申請表】一次過向多間銀行網上遞交申請按揭利率回贈比較:【按揭計劃】各大銀行按揭利率及回贈一覽智能按揭計算機:【按揭計算機】幫您計算壓力測試結果及每月按揭供款額最新樓市按揭資訊:【BLOG】提供最新置業、樓市及按揭資訊 【延伸閱讀】一手樓花置業懶人包【樓花攻略】了解買入程序、必須注意的事項【新盤收樓】樓花收樓程序一覽!【樓花按揭懶人包】睇清一手新盤即供建期利弊及如何影響按揭? 【買樓花】抽一手新盤流程攻略、樓書價單分析及按揭攻略!【買樓花】抽一手樓不可不知的6大中伏位及注意事項! https://www.youtube.com/watch?v=YTBg3l0KDpA NOVO LAND 基本資料 54區大概在整個屯門的西北面,整個區算是比較大,比較近港鐵兆康站那邊。這個區與原有的輕鐵網絡不算很近,而隨住發展,這一帶人口未來會增多,所以到時會增設其他巴士線出入這區,住在這裡的話就未必有需要乘坐輕鐵出入。不過,現在54區的樓盤還在興建當中,交通配套未完善,我們由輕鐵建生站出發,大概花了7分鐘到達NOVO LAND,整段路基本上都是全露天,幸好當天天氣不錯,如果落雨應該會比較麻煩。 NOVO LAND是屯門區歷來最大型的私人住宅項目,分六期發展,提供超過4,500伙,擁有40萬呎會所和公共花園,還會有約5萬呎的商場,希望可以打造成「屯門版YOHO」。即將開賣的1A期有2座,提供824伙,主打1房同2房中小型單位,預計關鍵日期是23年6月,樓花期大概14個月。 地址屯門欣寶路8號發展商新鴻基地產座數14座伙數4,585伙戶型開放式至四房預計關鍵日期2023年6月29日 (1A期)2023年6月30日 (1B期)2024年5月16日 (2A期)2024年5月17日 (2B期)2024年12月31日 (3A期)2025年3月31日 (3B期) 期數1A期1B期2A期2B期3A期3B期伙數824伙800伙929伙729伙534伙769伙 NOVO LAND 1A期基本資料和價單 NOVO LAND...

【MIDTOWN SOUTH】推出第四期THE HADDON|必嘉坊 BAKER CIRCLE|附按揭資訊

https://youtu.be/d0kT66RYdiY 東鐵綫過海段開通後,由紅磡站到會展站只需要5分鐘車程,過海真的很方便!聽聞紅磡多美食,不知大家又是否認同呢?我們會帶大家到紅磡區實地考察,還會帶大家睇區內新盤 — 必嘉坊! 除了定時定候提供最新的樓市、按揭相關資訊之外,作為數碼港成員機構的ROOTS上會致力透過創新科技為香港每一位解決按揭煩惱。金融科技平台ROOTS上會打造香港首創網上按揭申請表,一次過免費幫客戶向多間銀行遞交申請,無須再踏入銀行分行用手填表。與此同時,ROOTS上會創立獨家A.I.按揭評估,讓客戶了解按揭負擔能力、獲批按揭的機會、按揭利率、現金回贈等資訊,以衡量是否落訂買樓及應選擇申請哪些銀行按揭計劃,大大減低撻訂機會。另外,我們亦提供精準的智能按揭計算機方便各位計算能否通過壓力測試及每月按揭供款額。 獨家A.I.按揭評估:【A.I.按揭評估】預測按揭批核機會首創網上按揭申請表:【網上按揭申請表】一次過向多間銀行網上遞交申請按揭利率回贈比較:【按揭計劃】各大銀行按揭利率及回贈一覽智能按揭計算機:【按揭計算機】幫您計算壓力測試結果及每月按揭供款額最新樓市按揭資訊:【BLOG】提供最新置業、樓市及按揭資訊 【延伸閱讀】一手樓花置業懶人包【樓花攻略】了解買入程序、必須注意的事項【新盤收樓】樓花收樓程序一覽!【樓花按揭懶人包】睇清一手新盤即供建期利弊及如何影響按揭? 【買樓花】抽一手新盤流程攻略、樓書價單分析及按揭攻略!【買樓花】抽一手樓不可不知的6大中伏位及注意事項! 必嘉坊基本資料 必嘉坊收樓歷時超過20年,是近30年來私人發展商最大型的市區重建項目。必嘉坊橫跨四條街道,分別是機利士南路、黃埔街、寶其利街和必嘉街。 必嘉坊涉及總樓面面積超過100萬呎,分3期發展,一共有9座住宅大樓,提供大約2,800伙。還會設有近1公里的商業步行街,提供大約16.8萬呎的商業零售樓面,預計全面落成要到2027年。 地址紅磡機利士南路30至44號發展商恒基地產座數9座伙數約2800伙 必嘉坊首階段推出Baker Circle One,位於機利士南路和寶其利街一帶,由3座住宅大樓所組成,提供大約1,000伙,主打1房和2房戶型,首先開賣的第一期命名為必嘉坊.㬢匯,提供324伙,實用面積由180至569呎,包括開放式至三房戶型,當中一房戶型是主打,佔了大約6成。 必嘉坊.㬢匯 預計於2024年首季落成,樓花期大約20個月。 單位面積180 - 569呎戶型開放式至3房伙數開放式單位:84伙一房單位:194伙兩房單位:42伙特色頂層單位:4伙預計關鍵日期2024年3月31日 必嘉坊.迎匯價單 於2022年11月3日(星期四)公布必嘉坊第二期必嘉坊.迎匯首張價單,合共56伙,包括開放至三房戶型,實用面積222呎至514呎,折實平均呎價$21,238,較2022年6月首張必嘉坊.㬢匯價單低10%,折實價為458.82萬起。56伙定價為509.8萬至1,250.6萬,呎價為$22,515 - $25,011,以最高折扣10%計算,折實售價為458.82萬至1,125.54萬,折實呎價$20,263 - $22,510。 於2023年3月23日(星期四)加推必嘉坊第二期必嘉坊.迎匯2號價單,合共56伙,包括開放式及一房戶型,實用面積214呎至374呎,折實平均呎價$19,218,較2022年11月首張價單平約10%,折實價為399.78萬起。56伙定價為444.2萬至841萬,呎價為$19,898 - $22,487,以最高折扣10%計算,折實售價為399.78萬至756.9萬,折實呎價$17,908 - $20,238。 於2023年3月27日(星期一)加推必嘉坊第二期必嘉坊.迎匯3號價單,合共28伙,都是一房戶型,實用面積270呎至374呎,折實平均呎價$19,888,折實價為512.82萬起。28伙定價為569.8萬至873.9萬,呎價為$21,104 - $23,366,以最高折扣10%計算,折實售價為512.82萬至786.51萬,折實呎價$18,993 - $21,029。 將於3月31日(星期五)展開新一輪銷售,合共84伙,包括15伙開放式及69伙一房戶型。 必嘉坊三期GREENWICH資料 必嘉坊三期BAKER CIRCLE.GREENWICH提供278伙,實用面積197至749呎,主打一房單位,共154伙,佔約六成。 戶型實用面積伙數開放式212...

【將軍澳昭明苑】一文睇清樓盤資料、按揭申請事宜!|居屋2022

居屋2022推出了將軍澳昭明苑,單位數目有594伙。屋苑預計關鍵日期為2024年11月30日,年尾就準備收樓!今文ROOTS上會為你介紹將軍澳昭明苑,更會為大家提供申請按揭的資訊,等你清楚了解按揭申請詳情! 除了定時定候提供最新的樓市、按揭相關資訊之外,作為數碼港成員機構的ROOTS上會致力透過創新科技為香港每一位解決按揭煩惱。金融科技平台ROOTS上會打造香港首創網上按揭申請表,一次過免費幫客戶向多間銀行遞交申請,無須再踏入銀行分行用手填表。與此同時,ROOTS上會創立獨家A.I.按揭評估,讓客戶了解按揭負擔能力、獲批按揭的機會、按揭利率、現金回贈等資訊,以衡量是否落訂買樓及應選擇申請哪些銀行按揭計劃,大大減低撻訂機會。另外,我們亦提供精準的智能按揭計算機方便各位計算能否通過壓力測試及每月按揭供款額。 獨家A.I.按揭評估:【A.I.按揭評估】預測按揭批核機會首創網上按揭申請表:【網上按揭申請表】一次過向多間銀行網上遞交申請按揭利率回贈比較:【按揭計劃】各大銀行按揭利率及回贈一覽智能按揭計算機:【按揭計算機】幫您計算壓力測試結果及每月按揭供款額最新樓市按揭資訊:【BLOG】提供最新置業、樓市及按揭資訊 居屋2022 — 將軍澳昭明苑 Chiu Ming Court資料 地址昭信路11號座數1座層數42層單位數目594伙實用面積283至461呎售價169萬至335萬平均呎價6,920元預計關鍵日期2024年11月30日校網小學:95校網,中學:西貢區 https://youtube.com/shorts/PajhUI4q1Qk 實用面積伙數283 – 297呎228伙383 – 404呎328伙461呎38伙共594伙 實用資料: 房委會昭明苑網站 昭明苑售樓說明書 昭明苑價單 昭明苑成交紀錄冊 將軍澳昭明苑何時能向銀行申請按揭? 將軍澳昭明苑關鍵日期為2024年11月30日,已可向銀行申請按揭。 現時為將軍澳昭明苑申請按揭是否合適時機?會否愈遲申請愈好? 一般私人住宅建議於關鍵日期前三個月向銀行申請按揭,因按揭保險公司審批有效期為3個月。而一手居屋按揭有政府擔保,即使申請高成數按揭(七成以上)都不需要經按揭保險公司審批,加上現時銀行按揭計劃比較浮動,愈早申請有機會利率會較低,我們建議客人盡早申請以保留現時較佳的按揭計劃。 將軍澳昭明苑按揭最高可以做幾多成按揭?還款年期可以做幾長? 綠表買家最高可以申請95%按揭,白表買家最高可以申請90%按揭。還款年期最長為30年。 如沒有收入證明可不可以申請到按揭? 因居屋有房委會作擔保,所以銀行審批會比較寬鬆,只要簽署聲明書證明有能力還款就可以。即使業主已退休沒有工作收入,亦可以申報家庭收入。 將軍澳昭明苑按揭可以選用H按或P按?現時利率是多少? 早前房委會消息公佈,居屋按揭除了P按選擇,於2022年11月1日起推展至H按。但近月銀行同業拆息利率(HIBOR)不斷上升,H按已觸及封頂利率,所以現時選擇H按基本上與P按沒大分別,除非日後銀行同業拆息利率(HIBOR)回落,這樣轉按選用H按才會較為優惠。 現時按揭利率為 H+1.3%(封頂P-1.75%)= 4.125%。 有哪些銀行可為將軍澳昭明苑提供按揭? 一共有19間銀行為「出售居者有其屋計劃單位2022 提供按揭貸款的指定銀行/財務機構」,詳情可參閱此名單。雖然有這麼多間銀行可以選擇,但一般大多只會經某幾間銀行辦理居屋按揭,如想了解更多可WhatsApp我們的按揭專員了解更多。 什麼是綠色按揭?綠色按揭有什麼優惠?將軍澳昭明苑是否可以申請? 現時多間銀行推出「綠色按揭」計劃,按揭申請過程全無紙化,由遞交按揭申請、上載申請文件、查閱批核結果至日常賬單管理,全程線上辦理,將按揭服務數碼化,推動減碳環保。申請「綠色按揭」亦可獲得額外優惠,以吸引業主購入符合綠建環評原則的物業,並進一步提倡環保理念。 將軍澳昭明苑都在綠建環評住宅名冊內,是取得綠建環評鉑金級或金級認證的物業,可以向銀行申請綠色按揭。 將軍澳昭明苑按揭審批一般需要多久? 現時一般按揭審批需時約兩至三星期。 經ROOTS上會申請將軍澳昭明苑按揭有什麼好處或優惠? 經ROOTS上會申請按揭快捷方便,可於網上辦理,不需花時間到分行手填申請表,還可為你比較銀行現時最新按揭優惠,直接轉介至銀行按揭部同事聯絡,ROOTS上會按揭專員還會為你定時跟進按揭審批進度,確保申請順利。除此以外,申請將軍澳昭明苑按揭還有額外優惠,詳情可Whatsapp按揭專員查詢。 相信參閱此文章後大家會更了解將軍澳昭明苑,如果有任何申請按揭問題,歡迎與我們聯絡!