[Novice Teaching]A few things you can’t know about starting a murderous house | Hong Kong 香港



With high property prices, many people are more afraid of “expensive” than “ghosts.” A low-priced house is just as valuable as a market. In this episode, I will explain to you a few things you must know before entering the murder house! 00:18 What is a haunted house? In fact, the law does not define what a haunted house is. It is generally believed that if unnatural casualties such as suicide, homicide, accidental death, etc. occur in the unit, it will be classified as a haunted house. If the people in the unit passed away due to illness or age, they may not be regarded as a haunted house. Sometimes, when a haunted house appears, the same floor or the upper and lower floors of the same unit will be regarded as a haunted house. In fact, officials do not formally record the relevant data of the haunted house. The information is generally stored in the internal records of various appraisal houses. Therefore, the records and approval results of the haunted house may be different for each bank. 01:00 How to identify the haunted house? The simplest and most direct method is to ask the owner or the estate agent. According to the Code of Conduct of the Estate Agents Authority, the practitioner has the responsibility to disclose to the buyer whether the property he intends to purchase is a haunting home. Second, you can ask an estate agent to do a search for the property. In the property search, you can check whether the owner has a death record. Buyers can also check some online haunting websites and news that record haunted houses, but online information may not be accurate, so they can only be used for reference. 01:32 What should you pay attention to when you mortgage a haunted house? Each bank differs in the valuation of the haunted house. When approving the mortgage, it will consider the risk of resale of the unit in the future. It is recommended that more than a few banks conduct the valuation or find a mortgage referral helper. The success rate of mortgage loans approved by banks is quite high for haunted homes with relatively minor accidents, but the mortgage rate will be lowered and the mortgage interest rate will be raised. And for “too violent” murderous homes, such as serious accidents and widespread market response, the bank may not approve mortgages. At that time, you have to consider whether you can afford to buy a house with full pay. 02:08 Can you conceal the situation of the haunted house? Although the bank, insurance or appraisal bank does not have complete information about the haunted house, it is recommended that you take the initiative to declare that it is a haunted house. The bank will adjust the appraisal according to the situation before determining the final loan amount. It should be noted that the adjusted valuation will be permanently retained in the bank records. Although a haunted house is generally 30% or more cheaper than the market price, the difficulty of changing hands is also greatly increased. Even if it is rented, it will be about 10% lower than the market price. It can be said that there are advantages and disadvantages. You should carefully consider the risks before making a decision. 📌 If you have any questions about the property market or mortgage, please leave a message below or inquire with our online customer service: 👉 HongKongFloorPlans “#美联Confidence Index”: 👉Download the new upgraded version#美联17 search criteria 🔍 newly added #Map搵楼# MTR step search 🚇搵楼 in one step! #Real estate big competition ⚖️ to help you choose a Fit plate! #首创代理带睇楼, Internet celebrity agent self-portraits 📹 Login and enjoy# Personalized information and seamless cross-platform experience! ⚡ ▄▄▄▄▄▄▄⭐️ Featured videos⭐️ ▄▄▄▄▄▄▄▄ 📺【#新手教】Silver master plate enters the market 5 big tips📺【#新手教】Buy “No Deed House”, “Broken Deeds” Notice for the building”📺【#新手教】I should pay attention to the terms of the lease when signing a lease? 📺[#新手教]See all the purchase expenses other than the first phase in one go! Now on ” HongKongFloorPlans”: Subscribe to ” HongKongFloorPlans” YouTube channel: Like ” HongKongFloorPlans” Facebook page: Follow ” HongKongFloorPlans” Instagram: Follow public account: meilian_hk ( HongKongFloorPlans Hong Kong).

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