A Simple Key For 呼吸Plan Unveiled

A Simple Key For 呼吸Plan Unveiled

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一般來說，「二按」貸款多數經由銀行批出，故在取得「二按」貸款前，往往需先得到一按銀行同意。銀行會怎樣審批呢?

【樓宇按揭回贈攻略】物業貸款、成數、年期利率比較＋免壓力測試及按揭保險教學！

就二按而言，在申請方面基本上沒有任何限制，樓價上限均由財務公司所制定。

銀行及財務公司收妥按揭貸款申請文件後，會為物業進行估價，並可能會向信貸機構索取並查閱申請人的信貸報告，再根據物業的種類、估值和樓齡，以及申請人的職業、收入來源及還款能力等，考慮批出的按揭利率、貸款金額及年期 (有關按揭成數的影響因素，可參閱另一篇懶人包:

“I’ve been utilizing LivePlan with Xero for any number of months now and like it. It’s supplied me visibility about how we’re undertaking from Forecast like I’ve in no way experienced in advance of...”

過程之容易，似是申請人只要有呼吸、有脈搏，便能獲批。因此，此等按揭計劃被戲謔為「呼吸approach」。雖然借錢容易，但若遇上經濟逆轉，還款更添吃力，呼吸program隨時變成「窒息approach」。

“I didn’t have a company prepare and applying LivePlan helped give me an easy Instrument to develop a solid organization approach for myself and customers. My clientele have absent on to boost their programs and increase their firms.”

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It’s tested, firms that strategy and keep track of in opposition to their system increase 30% speedier than those who don’t. Regardless of your marketplace, area, or size — LivePlan will help you will get your organization off the ground and mature

總之如正計劃入市，必須問清楚審批標準及利率，再分析自己的財政狀況及供款能力，切勿掉以輕心！

簽署臨約後，買賣雙方需委託律師，由律師代為進行查冊、草擬正式買賣合約、打釐印等事項。

未補地價居屋屬資助房屋，轉按或加按都須向房屋署提交申請，並取得同意信。

委託銀行認可的律師樓對物業進行查冊、核實樓契，並訂立「正式買賣合約」。