THE SMART TRICK OF 呼吸PLAN THAT NO ONE IS DISCUSSING

The smart Trick of 呼吸Plan That No One is Discussing

The smart Trick of 呼吸Plan That No One is Discussing

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入息不穩定、自僱人士、現有一份未供完的按揭等因素,都會令銀行降低按揭貸款額,變相申請人買樓時要自行籌備更大筆首期。

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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相隔數天,彭博亦引述消息人士報料,報道披露平安銀行已有融資支持白名單,除了多間內房,更包括本地兩大發展商。按理獲列入白名單是好消息,不過報道出街後,兩大地產商股價不升反跌,或許市場解讀為兩大發展商榜上有名即代表「缺水」,結果好消息變成壞消息。

Go through Joanna’s Tale “Attempting to open up a whole new organization may be very time-consuming, and given that I used to be jogging A further business though I was seeking to create Tailor-made, I 新手買家按揭指南 didn’t have many time.”

“I didn’t have a company plan and employing LivePlan served give me a straightforward Software to build a powerful business enterprise program for myself and shoppers. My customers have absent on to improve their ideas and increase their businesses.”

研究樓宇按揭,周不時會聽到「呼吸plan」這個字眼。呼吸plan到底是甚麼一回事?千居帶你認識各種按揭呼吸program,借呼吸program前必讀注意位,第一次上車上會記得睇清楚,以免捱貴息!

申請按揭時,如入息未能通過壓力測試等,銀行可能會建議加入擔保人,才可批出按揭。

而且轉按不應只考慮利率,還要考慮資金調配因素,轉按後透過物業升值套現的資金,能夠用作投資或其他周轉用途,例如買入海外物業或幫助子女升學,所以應先評估才下決定。

「呼吸system」的意思是指「只要你能呼吸就可以成功申請」,是種誇張而帶有玩味的非正式說法,強調這種按揭計劃審批寬鬆,申請門檻及前期供款壓力都特低。申請者在首階段只需繳付低利息(以下詳解),部分計劃甚至提供還息不還本方案,加上申請條款中不設壓力測試即可獲批,因此是手頭較緊、但希望上車的買樓一族的另一選擇。

“LivePlan built us experience self-assured and protected within our numbers and gave us a clear view of our previous, present and long term!”

同時,不少本來有按揭在身的人士會基於本身按揭計劃較低息,認為轉按不划算。但其實每個個案情況不同,不能一概而論。首先要把現金回贈考慮在内,每次轉按仍有數萬元收入,根據罰息期一般只有兩、三年,轉按「密食當三番」後仍有機會賺盡優惠。

如果貸款的成數高於六成,可以申請按揭保險計劃增加按揭成數,今年政府亦推出新按揭保險計劃大幅增加首置人士的借貸能力。与此同时,不過不少人士混淆「按保」與「二按」的分別,且誤會首六成按揭由銀行借出,餘下六至九成的貸款由按揭保險公司借出。

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