唔夠入息, 先唔理HKMC批唔批兩間自住
擔保人有按揭要兩個收入,兩份按揭一齊計數,
供款收入比跌到去35%,
$9.0M借8成, 即係$4.5M+$7.2M = $11.7M,
總供款$46,229 / 0.35 = $132K收入
借6成 (一樣要上HKMC, 因為其中個申請人有按揭就要減一成)
$9.0M借8成, 即係$4.5M+$5.4M = $9.9M,
總供款$39,117 / 0.35 = $112K收入
之後壓測, 呢樣搵唔到guildline, 當45%
$56,211 / 0.45 = $125K
唔經HKMC, Max $4.0M, (https://www.hkma.gov.hk/media/eng/doc/key-information/guidelines-and-circular/2017/20170519e2.pdf)
50%壓測, $48,262 / 0.5 = $97K