[谂Sir Mortgage Tips]Reasons for not approving the mortgage | Hong Kong 香港



Homeblogger popular blog Xu Guanhong (谂Sir) attended[Presented by the Midland Association]”Getting on the Car” Real Estate Strategy Lecture Highlights: Now discussing that it is easier to obtain loans for private houses at a borrowing cost of over 2%. Comprehensive My experience in bank mortgage work I have come up with 9 reasons why customers are not approved for mortgages. Why is it difficult to obtain mortgages when they are eager to repay. My analysis is that there are tax loans in November and December every year. The repayment period is still a lot of people’s thinking that borrowing 200,000 tax loans and splitting the repayment for one year should not affect the purchase of a house loan, because buying a house requires a loan of millions of dollars. For example, in mid-2017, the bank approved a loan of 6 million. Pre-approval can be used. Why did the original loan not be approved after applying for a tax loan in 2018? Actually, it is not necessarily tax loan. The revolving loan provided by the bank also affects the borrowing power. But I think that tax loan has the most direct impact among many loans, and some people plan to invest. Japanese property is about 300,000 to 400,000 Hong Kong dollars. The price is relatively cheap. Japanese brokers propose to borrow personal loans. I personally think that this approach is not appropriate because it is difficult for the client to buy a property in Hong Kong until the entire loan is paid off. The calculation is that the bank approves the mortgage. Calculate the total loan amount but look at the monthly repayment amount of 200,000. The tax loan is repaid in 12 months, that is, the monthly repayment amount is about 16,000 yuan. This tax loan makes it more difficult for people with a monthly income of 32,000 to buy a property easily. Borrowing because the Monetary Authority stipulates a monthly income of 32,000, the maximum monthly repayment is 16,000, and this 200,000 tax loan has cost him more than 3 million mortgage loans. Such a small borrowing power can overturn the results of the loan. The first point is that everyone should focus on it. Pay attention to the personal loan situation, especially if you plan to buy a property, you should consider suspending the loan. On the other hand, some customers will fail because the settlement period is too short or they may encounter a 10% cheaper listing, but the owner requires that the transaction time is less hasty in 14 days. The owner’s regulations depend on whether you accept the 20-day settlement period proposed by the owner for the above cases and you need to borrow 80% of the mortgage. The payment will not be fully paid. In this case, is the property worth buying? I will directly ask when you need Hong Kong Mortgage Securities. How many days is the minimum number of days reserved by the company for mortgage services or second mortgages to the bank for approval? Does anyone know the answer 45 days, 2 months, and the real answer. With my bank’s experience, it’s about 21 days. Basically, customers apply for 80% of the mortgage by submitting a contract or a formal sale and purchase agreement. Today, May 24th, the transaction date is June 12th. It is generally recommended to decline the application because the bank will not be in time for approval or the bank will not refuse to accept the application. At the same time, it reminds the customer that the loan will not be easily approved if the customer does not pass. The Hong Kong Mortgage Corporation applies to the bank for a mortgage that is 60% for self-occupation. The mortgage documents may be approved within 3 days. In fact, the application steps are very different because the first mortgage is directly approved by the bank. If the second mortgage is applied, the bank will forward the application to Hong Kong. Approval by the Hong Kong Mortgage Corporation. Simply put, there is only one opportunity to apply through the Hong Kong Mortgage Corporation. All documents must be prepared. If you only need to borrow 60% of the mortgage. Of course, I don’t mean that bank approval is loose. There are also customers who are not approved for mortgages because “too “Have filial piety” here refers to household expenses. Ask if you have tried to apply for a mortgage when the bank questioned your household expenses. This type of case is more common. And the similar amount may be regarded as concealing the loan. Of course, the bank will require you to declare what loans you currently have or check the letter. The positive credit information report will also actively check the activity status in the account to find out that the undeclared loan household is a monthly recurrent expenditure. If asked, the relevant silver code is not less than 10,000 yuan plus the cash payment through the ATM. If it is, it is easy to explain that the customer only needs to declare the purpose of the withdrawal, but if it is automatic every month The bank will ask you to submit the account information to prove whether the transfer is completed. I have answered many cases only once without paying the land price. The reason is that the family members are not willing to provide the account. It proves that this situation is very common. This kind of case is more common than the HOS without land premium. You have to calculate it yourself. The reason is that the tenement house has a finer silver code, but the disadvantage is that the bank has the opportunity to ask for it. The elevator’s tenement buildings may not need to be inspected or large housing estates such as Whampoa Garden Bank will not personally inspect the building but will hand it over to the appraisal bank to do the building inspector. Ten-year-old tenements have too many changes in their openings and intervals. If you choose tenements, you need to consider more. Especially when the bank may not approve the mortgage, the last point is that Mr. Bu Shaoming just mentioned that if you choose It’s easier to get started on the “Breathe Plan”. The problem is that the bank plan will be changed after 3 years due to high interest rates. Other banks will deduct the original rebate or discount for the new building. In addition to the “Breathe Plan”, it is also commonly known as “Light Pig Price” and “Light Pig Price”. Refers to if the property price of 9 million has already enjoyed a lot of stamp duty rebates, furniture, etc., you may take out more than 1 million and then borrow 70% of the mortgage to help you go to the meeting. Imagine if the property price does not fall, you may need to raise the money In case of a slight drop in property prices, you should pay attention to whether the cash flow can be met. 》Facebook page: Follow ” HongKongFloorPlans” Instagram:.

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