Under normal circumstances, the age limit of 90% mortgage is that the mortgage period does not exceed 50 years.
2. How much should I spend for the first time? (Embedding legal fees and other miscellaneous expenses)
First installment: 65438+500,000 yuan.
Commission of real estate agency: 1.5 million.
Printing fee: 100 yuan
The deposit for attorney's fees and management fees for water, electricity and coal is about 654.38+00000 yuan, which means that you should prepare at least 654.38+080000 yuan if packing list is not included.
3. According to the current interest rate, how much do we have to contribute for a month?
If the annual interest rate is 3% for 20 years, the monthly contribution will be 774 1 yuan (including mortgage insurance fees).
4. If I save enough money, can I repay 20% of the money borrowed by Sun at one time and switch to other mortgage plans instead of expensive interest?
If the remaining penalty period ends, part or all of the arrears can be repaid in advance.
5. Is it right to ask the bank for MORGAE Gae Gae after buying the building, and then "mortgage" (China Hongkong Mortgage Corporation Limited)?
After buying Zuoping, it is best to settle in D after the bank approves the mortgage in advance, otherwise the failure to get the mortgage after signing the contract will cause losses. As for more than 70% of the mortgage, the bank will handle the mortgage insurance for you. When the mortgage insurance is approved, the bank will officially approve your mortgage. 1.90% mortgage because I want to buy some buildings about 20 years old, is there an age limit?
Others answered "No" to the above questions. In principle, the Hong Kong-China Mortgage Corporation Limited (HKMC) will accept applications if the building is not more than 50 years old.
2. How much should I spend for the first time? (Embedding legal fees and other miscellaneous expenses)
Excluding the down payment, brokerage commission, printing, and lawyer's fee is about $6,000 to $8,000 (all-inclusive sale and mortgage). In addition, HKMC charges premiums, but can borrow money from banks. Usually, the longer the application period, the more expensive the premium.
3. According to the current interest rate, how much do we have to contribute for a month?
According to your choice of PRIME, set up the mortgage loan of HIBOR plan. Take prime numbers as an example. At the current interest rate of 2%, the monthly repayment for 20 years is about $6,829.
4. If I have enough money among me, can I repay 20% of the money I borrowed from the sun at one time and switch to other MORTAGE plans instead of expensive interest?
Generally, the interest rate used by banks is the same, and 70% and 90% are the same. Whether it is necessary to repay in advance depends on whether the bank has a time limit for liquidated damages, and basically there is no need to change plans.
4. Is it right to ask the bank for MORGAE Gae Gae after buying the property, and then "mortgage" (China Hongkong Mortgage Corporation Limited)?
Some banks will still provide pre-approval. HKMC doesn't need to find it by itself. After the bank applies, the bank will help you with the relevant procedures. Reference: I am a mortgage expert! ! ! At present, most banks do not pre-approve mortgages. I don't understand that some people often say that they have to sign a pre-approved mortgage first. When you want to buy a house, you can go to the bank and ask yourself if you can afford a mortgage for about a month. But even if the bank tells you that you can definitely get a mortgage, you may not approve it in the end, because you should refer to your credit report in addition to your income. If you don't owe a credit card,
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The repayment period is 6-72 months (you choose).
The loan amount is extremely high, up to 800 thousand or ten times the monthly salary (whichever is lower).
The interest rate is as low as 0.28% per month (the monthly interest of 65,438+00,000 is as low as $28).
After batch engraving, cash will be directly deposited into your designated bank account.
Tel: 9804 87 12 (Teddy) The procedure is simple and quick.