[Going to the north to find a house in action]Does the bank approve a mortgage to buy a mainland house? | Hong Kong 香港



Hong Kong residents can choose “Full Pay” to buy a property in the north. They can also apply for a mortgage loan from a bank. How do you buy a mainland property as a mortgage? What is the highest percentage? The real estate expert Daniel showed up and shared with you the tips for borrowing mortgages from the north! Under normal circumstances, if a buyer is buying a first-hand property in the Mainland for the first time, the developer may provide a mortgage-making bank, and the first home may be borrowed for 70% to 80%. However, the mechanism is different in each place, and the time for bank approval is also different. Hong Kong residents generally need to meet the following conditions to apply for a mortgage to buy a property in the Mainland: 1. Be at least 18 years old and not more than 70 years old; 2. Must hold a valid Mainland Travel Permit for Hong Kong and Macao Residents (i.e. Home Visit Permit) and personal ID card; 3 Income certificate, including: personal income tax bill for the most recent year and bank passbook/monthly statement of payroll records in the most recent three months; 4. Proof of residential address (such as water/electricity bills, etc.); 5. Mainland property subscription form or Purchase and sale agreement; 6. Credit history: If the applicant has a bad credit history at a bank in Hong Kong, the mainland branch has the right to refuse the application. The above requirements are for reference only. Hong Kong people are recommended to hire professional agents to provide mortgage guidance, which is fast and convenient. In short, the mortgage should be determined by the individual’s ability to repay, and you can get a good loan first! 📌 If you have any questions about the property market or mortgage, please leave a message below, or check with our online customer service: ▄▄▄▄▄▄▄⭐️ Featured videos⭐️ ▄▄▄▄▄▄▄▄ 📺[Opportunity! Greater Bay Area! ]It’s troublesome to buy a property in mainland China. Why not buy a second-hand property rather than a new property? 📺[Practical Combat of Building Northward Buildings]The mainland has the largest number of buildings, and the quality is different. Is it tricky? 📺【Opportunity! Greater Bay Area! 】How can you miss the general tips on how to pass the building in the Greater Bay Area 📺【Opportunity! Greater Bay Area! 】Getting on the car VS real estate investment strategy Go to the ” HongKongFloorPlans” Greater Bay Area page: Subscribe to the ” HongKongFloorPlans” YouTube channel: Like the ” HongKongFloorPlans” Facebook page: Follow ” HongKongFloorPlans” Instagram: Follow public account: meilian1200 ( HongKongFloorPlans).

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