標題:
供樓20年?
發問:
如果我想買一層 $300萬既樓, 首期是否可以最低比十萬? 供20年, 咁我要比d 咩錢, 同以後每個月供幾多錢呀? 有咩手續?
最佳解答:
First of all, the max. mortgage ratio is 95%. For a 3 million which means the min. first payment you have to pay HKD150,000. And based on the current P rate from the bank : 中銀報 P(=7.75) - 2.90 = 4.85 永隆報 P(=8) - 3.18 = 4.82 Then we based on 4.82% as the interest rate to calcuate the monthly payment which is HKD18527.00 for 20 years Furthermore you have to pay agent commission 1% of your flat price = HKD30000 買賣合約律師費 約 $ 2,000 轉名契律師費 約 $ 20,000 按揭契律師費 約 $ 19,250 Stamp Fee HKD45,000 Which means you need to have at least HKD266,250
其他解答:
此文章來自奇摩知識+如有不便請留言告知
300萬樓，最高可以做九成半按揭，亦即首期最少要比15萬。供20年，月供約$18810-，但你若按揭成數超過七成的話，你要額外比按揭保險費，此費用要買家支付，九成半按揭保險費大約是總數的3.98%，亦即$113430-，當然這畢保險費也可以按的，若加上按揭保險費一起按的話，大約要供$19558-。 買家佣金約$30000- 厘印費 約$45000- 律師費 約$6000-$8000- 大廈管理費按金。 水、電、煤按金。基金。
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