【#新手教】5 Tips for Entering the Silver Main Board | Hong Kong 香港



Generally speaking, when a landlord encounters a unit of their choice, they will borrow from the bank to buy a house through a mortgage. If the owner cannot continue to make contributions due to financial difficulties and fails to reach an agreement with the bank, the bank has the right to take back the property under the “Conveyance and Property Ordinance”, which is usually sold in the form of auction, which becomes the so-called “silver master”. Nowadays, the property market atmosphere is uncertain, and the emergence of silver masters has become the new normal. What are the precautions for buying a silver master disk? Immediately wake up your silver master plate and enter the market with 5 tips. 00:41 Tips 1. Buying silver masters must be at the same price. The auctions of silver masters will be conducted by independent auction houses or accounting firms. The advantage of this form of transaction is that the willingness to sell is stronger, and the asking price is lower than that of many second-hand property owners. But pay attention to the silver masters. In the end, the highest price will win, and the final selling price may not necessarily be lower than the market price. It is best for prospective buyers to do their homework to understand the latest second-hand transaction price of their favorite real estate, so as not to blindly ask for the price, and ultimately the gains outweigh the losses. 01:16 Tips 2. The reserved decoration budget in the main board of the bank is likely to be caused by the owner’s debts and unable to make contributions. Generally, the legal procedures involved in the process of filing the court and selling the property take about 1 year. This means that the unit has gone through a period of vacancy, and there is a chance that the property has fallen into disrepair and there are various hidden problems. Buyers who intend to buy should first understand the current status of the property before deciding whether to bid, and it is best to reserve a sum of money for renovation. use. 01:46 Tips 3. Before buying a property, it is recommended to check the status of the property with the property agent and attorney before the purchaser officially signs the contract. Check whether the property is illegally built, the house has been changed, the interval has been changed, and the contract has even been fixed. At the same time, it should be understood whether the unit has defaulted on management fees and other miscellaneous fees, clarified maintenance rights and responsibilities, and whether the ownership is complete, etc., so as to avoid unnecessary trouble or affect the mortgage application. Take the management fee as an example. If there is a record of arrears in the Land Registry, the buyer needs to set aside money to pay the arrears, so be careful. 02:24 Tips 4. Pay attention to the Ghost Chong clause. Although the offer price of the silver main board is lower than the market price, it also tests the buyer’s understanding of the contract, because the purchase and sale contract prepared by the owner usually has a bunch of clauses to protect his own interests, such as requiring the buyer to be responsible for the owner’s legal fees, It does not guarantee whether the ownership of the unit is complete and the unit can only be resold after a specified time period. Buyers should carefully understand the content of the contract before signing the contract, read all the terms in the document carefully, and make sure that they clearly understand the content of the contract before signing. If you have any questions, you should consult a lawyer or choose another property. 03:04 Tips 5. It is not impossible to pay attention to the main mortgage when making a mortgage. In principle, the bank approves the main mortgage and the general residential mortgage is not very different. The bank will also evaluate the amount of mortgage approval based on factors such as property valuation and the buyer’s repayment ability. . However, if the real owner of the property cannot be clearly shown, there is illegal construction or the property deed is lost, the bank may not accept the mortgage, and the buyer may have to pay the property price in full. Buying a property is always a major event in life. If you don’t understand anything about the silver main board, remember to find the help of property agents and surveyors! 📌 If you have any questions about the property market or mortgage, please leave a message below or contact our online customer service for inquiries: 👉 HongKongFloorPlans “#美联Confidence Index”: The recent second-hand rebound is over, #美国减息,# Developers are taking advantage of the trend to push Order… Want to know how many #sale orders are there in the market? How much room does the owner have for bargaining? “#美联Confidence Index” tracks changes in online listing prices every week. 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