撈左按揭好耐，你問我答（5）

巴打，唔係幾明你意思係銀行肯批幾多成按揭比你？

比數字你參考下，借400萬的壓測人工需約$37900（5.5%，30年）；借350萬的壓測人工需約$33170（5.5%，30年）。
加埋300萬首期最多可買700萬的樓，未包雜費。
但建議不要預太炆水，買600幾萬就穩陣點

中銀比你hold offer幾耐？個offer都幾唔錯
東亞係塞緊車。你可以打去催下banker，如banker依幾日會聯絡你，就可以等埋比較下

依個有少少錯的，唔好靠佢

依樣真！唔係個個banker都會跟到足
如需好banker介紹都可以tg me @wylaujo
希望幫到大家

如果兩個人月入六萬五
有一百萬首期
大概最穩陣最盡可以買幾錢既樓
25年樓齡可以按到八成半嗎？
感謝你

Sor for 1999 係呀無錯

唔會有咩影響的，只係好似唔小心玩左個banker咁去另一間銀行簽左confirmation letter就得了

係按揭消契、屬契咁解，代表業主已還哂錢，可能是轉按或現契，就要睇翻之後嘅charge係點寫

中銀想我下星期頭覆
東亞打去催左, 話係MC 果面未搞得切, 聲稱話今個星期會有
其實佢口頭話ok 係咪就得? 定係一定要簽offer letter??

唔該博士
我都內心爭扎左一段時間個Banker又快手跟得又足係噤說服自己銀行大D安全D但最後都係向錢看左

博士你好, 有幾個問題...

1.
想問下綠表借6成, TARGET 擔保期 30年內既二手房署居屋 (EVEN 剩幾年都好), 係咪申請按揭都唔使睇入息同壓測? 不過上網睇話有D係剩10年以上先唔睇?
事關我地帳面既家庭入息證明只係得17K...但想買350萬未補居屋 而四成首期~150萬比得起既, 供亦供得起 (有秘撈...)

2.
同上, 如果想借多過六成係咪就要睇入息+過壓測?

3.
最安全選擇係咪拎張綠表去抽新居屋就100%唔使睇入息+過壓測?
唔該博士

博士你好，本人準備買樓（首置，自住，穩定收入），想問問以下問題。
因為報稅時使用供養父母免稅額而免稅，所以無稅單交比銀行，有無問題呢？ thx
其他入息證明齊料。

唔洗交稅唔係都有稅單咩

博士你好
唔知你係咪miss左我留言


請問如果想甩擔保人名同退返按保15%
我係咪一定要搵律師樓同搵其他銀行做轉按？
可唔可以叫返原來果間按揭銀行幫我搞？

因為我下年3月原本果間銀行罰息期準備完
諗住轉按
但下年年尾我有機會換樓
所以猶豫緊應唔應該轉按
因為如果轉左按就要罰loan size 1%

唔該哂

博士，除左每年收到報稅表，我估因為免稅就無寄稅單比我。
咁應該點處理好？？銀行必需要嗎？thx

博士

由交齊文件開始計，加按大慨幾耐會通知成功與否，而家都等左半個月

咩銀行

創興

有排。起碼個幾月

My friend Jason lives in a mansion in Gold Coast, Hong Kong. In his front garden, he planted a litchi tree, a mango tree, a chestnut oak, a black maple, two red maples and bushes in the lawn. Some of the bushes produce beautiful trumpet-shaped flowers. He also grew flowers such as roses, orchids, sunflowers, lavenders, violets and hydrangeas which are in full bloom. There're some exquisite flowerpots placed near the lawn as decoration. He mows the grass from time to time. He hires a garden to manicure his garden every now and then. His back garden is enormous which is two thousand five hundred square foot in size. It used to be a lawn but he turned it into a meadow blanketed in wild flowers and exotic flowers. Some of the flower buds haven't opened yet but as the weather gets warmer the flowers open. Even inside his house he has a vase of hydrangea and a few plotted plants, some of which are just coming into bloom. Orchids can be cultivated in vases or flower pots. In the summer, beautiful summer flowers bloom in the meadow. In the spring, the meadow is blanketed with lovely spring flowers. In autumn, the meadow is covered in pretty autumn flowers. In winter it's a mass of lovely winter flowers. It's an extraordinary garden. Every valentine's day Jason buys a bouquet of red roses and hydrangea for his wife. They're pretty cut flowers.

His new table is covered by plastic sheeting. About seventy one percent of the earth's surface is covered by water. Eighty percent of the Jupiter's moon Europa is covered with water.

呢間行會唔會難批，個幾月係幾時開始計