急問 Lo-C, C-hing, C-jie 第2個住宅按揭?

dor8312b · 發表於 2013-1-16 13:08

急問因已簽臨約：
第1個住宅物業已做9成按現已出租，現購第2個報自住是否最多只可做5成按？
若告知別銀行第1個已按那租金收入不能當入息計算；若不告知初步估計新購可做7成按，但是否違法?銀行之間會否報，銀行會否收回按揭?

jtong10N · 發表於 2013-1-16 22:14

銀行會知道你已有做過按揭.瞞不到的.

dor8312b · 發表於 2013-1-17 09:03

9成按自住變出租，另有無按物業，再買新物業自住可否做7成，定只可做5成?不同銀行會否知是自住按揭變出租而有所影響?

evit13J · 發表於 2013-1-17 11:17

HKMC will know that your mortgaged property is for self-occupied or investment because HKMC has right to require you to provide the proof (i.e water biii, electricity bill and etc) to show that the mortgaged property is for self-occupied after 1year from loan drawdown.

FRANCK16810N · 發表於 2013-1-17 22:27

thank you c fu

swan10E · 發表於 2013-1-18 00:04

<<< 如有錯漏, 請指正 >>>

JTONG 師兄對, 其實按揭正面信貸資料庫2011年己落實, 用以分享銀行間客戶信貸情況。參考中原網 http://hk.centanet.com/icms/article-tc-233-31623.aspx

另外, 由於第一間係用自住形式申請按揭(投資按揭成數低及利息高)卻租出, 故第一間銀行有權收回貸款, 因違返了按揭條款 (小心), 但實際做法不得而知。

回應問題, 1) 銀行知道按揭存在, 會要求資料用以批核, 由於政府打擊炒風, 所以捉得緊。2) 不肯定會否通報, 但肯定會降低成數, 因為違返金管局指引, 會被照肺

<<< 如有錯漏, 請指正 >>>

dor8312b · 發表於 2013-1-18 10:56

Thanks all! :face5100.gif:
The current mortgage started 4 years ago and all the water and electricity bills under my name. I need to apply a new mortgage for new flat now. Some of the banks state should be OK for 50%~70% mortgage for the new flat by without knowing the current mortgage is for self-occupied.

thomas51808I · 發表於 2013-1-22 10:40

If your new flat is self use, normally can do 70%, unless the condition of the flat is too old or too expensive

dor8312b · 發表於 2013-1-23 01:09

Thanks for advise

findo08Q · 發表於 2013-1-27 16:34

normally can use 70% if self use

sinobag15d · 發表於 2015-5-11 00:42

Thx !

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