How much is the down payment for a property purchase loan in Hong Kong?

How much is the down payment for an 11 million house in Hong Kong? How much is the monthly payment? Please thank you

Hong Kong’s current mortgage payment is 70% (can be 70 of borrowing __), but if the _year_ is very_ (for example, twenty years or more), the _main year_ is very old, _the banker’s ability to contribute is prudent and other factors, it is most likely that only Approval of 50% (0 of __ can be borrowed) or even 30% (30 of __ can be borrowed)_ amount. __Hong Kong_1100_, the down payment is calculated as 70% of the mortgage and 30%_, _330_transaction stamp_business_law_location_agent___property___insurance_and management_(not all __ are charged). ..preferably __360_ or above. _70% of the payment, based on __10 years or less, _main 50_ or less, 20 years (240 installments), _test monthly payment__HK$44,657. Not all mortgage banks in Hong Kong have the same mortgage interest rates, and ___ banks (generally small and medium-sized mortgage lenders) may have benefits; you might as well try more __ banks, that's good news! Haha~

Do you know how much the down payment is for buying a house in Hong Kong?

Do you know how much the down payment is for buying a house in Hong Kong? At present, house prices are getting higher and higher, so do you need to pay the price in one lump sum for buying a house in Hong Kong? , or how much the down payment is, whether it can be paid off in batches, etc., we all want to know, so how about the specifics, let's look at the relevant information below to find out. Yesterday’s news showed that the Hong Kong Monetary Authority announced that in view of the continued heating up of the property market, the SAR government has issued instructions to banks to tighten mortgage lending. For the first time, the Hong Kong Monetary Authority has imposed restrictions on borrowers with “non-Hong Kong income sources”, requiring them to pay 10% more down payment than Hong Kong locals. For people with low input, especially those whose monthly salary includes basic salary, skill salary, job salary, four allowances and a small amount of subsidies, which are similar to those of other state-owned enterprises, a down payment of 60,000 is required, and then based on each person’s monthly salary Hidden deduction, pay off in 20 years. A friend of mine rented a small house of 10 square meters near the New Territories of Hong Kong, with a monthly rent of 3,100 yuan. The owner divided the apartment into three 10-square-meter single rooms and collected a monthly rent of 9,500. He was really smart. Living in Hong Kong is such an outrageous culture. If you can't afford the down payment, rent first. According to my analysis, there may be a risk of interest rate hike. But it seems that the low interest rates for buying houses in Hong Kong will continue, and even if they are increased, it won’t be too outrageous. Even after four consecutive increases, it has only reached the status quo which is too high. It costs an extra 300 yuan per month, and the risk of buying a house is not great.

Can mainlanders get a mortgage when buying a house in Hong Kong? How much is the down payment?

Yes, the down payment for the first house is 20.

Mortgage loan borrowers must meet the following conditions:

Have legal status;

Have stable economic income, good credit, and be able to repay the principal and interest of the loan Ability;

Have legal and valid contracts and agreements for purchasing and overhauling housing, as well as other supporting documents required by the loan bank;

Having purchased (overhauling) housing with a total price of more than RMB 20 Self-raised funds, and guaranteed to be used to pay the down payment of the purchased (overhauled) house;

Have assets approved by the lending bank for mortgage or pledge, or (and) legal persons and other persons with sufficient repayment capacity Economic organizations or natural persons serve as guarantors;

Other conditions specified by the lending bank.

How much lower is the down payment for a Hong Kong villa? Do you have to pay property tax? What should you pay attention to when signing a house purchase contract?

How much lower is the down payment for a Hong Kong villa? Do you have to pay property tax?

1. The down payment for the first villa in Henan is 30%, the loan is 70%, and the annual interest rate is now a standard six points. For a second house, the down payment is 60% and 1.1 times the base loan interest rate. Home buyers can apply for housing mortgage loans.

2. In Henan, just like applying for a commercial and residential housing loan, when an individual applies for a housing mortgage loan to buy a house, the applicant is required to prepare at least 30% of the down payment, and proof of his/her job and personal income (individual Operators must prepare a business license), have continuous bank card transactions in recent months, and submit marriage certificates to local financial institutions.

3. When applying for a housing mortgage loan to buy a house, you must also be familiar with the relevant house buying policies of local commercial banks. Different types of regions have certain differences in bank or local house buying policies. Therefore, before deciding to borrow money to buy a house, it is best to go to the local bank for consultation and consider it carefully before applying for a housing mortgage loan.

Do Hong Kong villas need to pay real estate tax?

1. Commercial and residential buildings that have been used, rented or loaned by real estate development companies before sale should be subject to the prescribed real estate tax. Therefore, there is no real estate tax on commercial and residential buildings built by real estate development companies before they are sold. Commercial and residential buildings that have been used, leased or loaned by real estate development companies before sale should be subject to the prescribed real estate tax.

2. Many taxes and fees are already included in the price of the house. Paying taxes in a big way may cause many people to be dissatisfied. Especially for unique housing such as single-family villas, expropriation methods are more difficult to decide. If our country can issue relevant policies on how to pay taxes on single-family villa real estate and implement practical countermeasures for the real estate industry, the real estate industry will naturally de-swell.

3. The area of ??villas is relatively large, and because of the large number of villas and mansions, the tax must not be a small sum. If the homeowner has abundant cash flow, paying taxes will not be a problem. But if the owner's financial situation is not optimistic, or something unfortunate happens, then the tax will be high.

What should you pay attention to when signing a house purchase contract?

1. Agreement on delivery time

Many developers will refer to the pre-sale contract to trace the source. For example, it only indicates the completion date and does not indicate the date of putting into use; "After the equipment is installed, after the quality acceptance is passed, after the residential community is completed" and other vague language expressions. Regarding this matter, when buyers sign a house purchase contract, they must clearly specify the delivery time as "such day, month, and year" and indicate the risks that the developer will bear if it fails to obtain the house in time.

2. Agreement on liquidated damages

Many people will pay attention to the liability for breach of contract when signing a house purchase contract, but they ignore the agreement on liquidated damages. When doing so, you must pay attention to whether the liquidated damages in various contracts are tens of percent, a few thousandths, or a few tenths of a percent. If there is one less zero, the total amount of RMB to be paid in actual compensation will be greatly different. In addition, special attention needs to be paid to the proportion of liquidated damages that the developer changes in the contract supplement agreement, and must be carefully checked.

3. Agreement on loan failure

Many people need bank loans to buy houses, but it is not ruled out that some house buyers will have financial institutions suspend their loans due to personal credit or other problems. , therefore, the home buyer must make a clear agreement with the developer in the home purchase contract. If the home buyer is unable to purchase the house due to loan rejection, the developer must return all the deposit and other accounts paid by the home buyer. If there is no agreement in the house purchase contract, the house buyer will not only have to deposit a deposit or go home, but he may also face liability for breach of contract.

4. Agreement on vacancy clauses

There are some vacancy clauses in the home purchase contract that must be filled in after mutual verification or that need to be specially noted. However, some developers will inform the home buyers of the contract. It is the same version number, and some blank areas can be left unfilled, so that developers can play tricks on the blank areas. Therefore, if the home buyer really does not need special explanation, he can also draw a slash in the blank area to indicate that there is no content, so as to prevent the developer from tampering with the blank without authorization.

How much does it cost to buy a 120-square-foot house in Hong Kong

For more remote places, you can calculate it at 60,000 yuan per square foot. Excluding exchange rate changes, 120 square meters is approximately 120x9x0.82x60000=53,136,000 yuan, which means that a 120 square meter house in Hong Kong is approximately 53 million yuan.

Of course, there are more expensive ones in Hong Kong, with a set priced at hundreds of millions.

This is still a one-time payment for you. If you have a mortgage loan, sorry, please calculate the interest by yourself.

How do mainlanders buy a house in Hong Kong

Applying for a mortgage from a Hong Kong bank is restricted

Currently, there is no precedent for banks in Hong Kong to accept applications for mortgage loans from mainlanders. "Because many mainland buyers applied for loans this time, we handled it together." But she also said that the loan approval time for Hong Kong banks to accept home buyers who can provide proof of income in Hong Kong is generally only ten working days. As for whether the loan application of Shenzhen buyers can be approved, she is not yet sure. "We have submitted all the information provided by the buyers, but we have not yet received the approval results. It is estimated that it will take at least a month." ”

It is best to have relatives in Hong Kong provide guarantees

The intermediary of Hong Kong Xiangyi Real Estate Agency said that it is best for Shenzhen buyers to have relatives in Hong Kong, and relatives can provide guarantees. Get a loan more easily. When the reporter said that he had no relatives in Hong Kong but needed a guarantee, the intermediary said that Hong Kong banks have many restrictions on non-Hong Kong people buying property in Hong Kong, which would be troublesome.

It is understood that if a mainlander buys a property in Hong Kong but cannot pay it off in one go, the buyer must pay a down payment ranging from 30% to 50% and borrow the remaining balance from a bank. However, when banks borrow money, they will require customers to submit proof of assets, which generally requires a certificate of deposit of at least 100,000 yuan.

In terms of specific property certificates, Hong Kong banking industry insiders said that mainland income certificates may not be recognized by Hong Kong banks. A financial planner from the Hong Kong branch of HSBC said that in theory, mainlanders who apply for a Hong Kong bank mortgage need to provide proof of property funds such as real estate, income, deposits, and stocks. However, because Hong Kong banks have strict rules on avoiding financial risks. A review system, whereby a detailed verification of the borrower’s assets and income will be carried out. However, it is very troublesome for Hong Kong banks to verify the mainland asset certificates provided by Shenzhen people. "Because Hong Kong banks are not familiar with the relevant mainland departments, it is very difficult to operate."

Bring your ID card, pass, bank card, etc. Just use the card.

1. Nowadays, many mainland customers go to Hong Kong to buy houses for independent investment. Mainland customers generally pay a down payment of 50 when buying a house in Hong Kong. The transaction process is simple and can be completed in a law firm.

2. Investment is required to settle in Hong Kong. The current method is to invest 10 million Hong Kong dollars in Hong Kong’s financial sector (such as stocks, bonds, futures, or deposits in banks, etc.), and you can apply for a Hong Kong application within half a year. Temporary ID card.

That’s it for the introduction of the down payment for property purchase loans in Hong Kong.