Being a popular property investment market, the sales processes, payment methods, and mortgage requirements in Hong Kong may be different from other countries. This article highlights key points to note for Mainland and overseas buyers seeking to purchase first-hand properties or arrange a mortgage in Hong Kong.
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Asset-based mortgages offer a path to home ownership for people who could not provide regular income proof, and have to rely on their net worth to demonstrate their repayment ability. This article explains key points to note when applying for an asset-based mortgage, and when preparing a budget for buying a home.
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What are the implications of a cash payment plan versus stage payment plan when buying a first-hand property? What are the risks of buying an uncompleted property? Watch this video to understand the key considerations you need to keep in mind when making decision.
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Learn how to budget a purchase of second-hand HOS flat with unpaid land premium, and understand the relationship between building age, Loan-to-value (LTV) ratio and mortgage loan tenor.
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Confused about the requirements for a high loan-to-value ratio mortgage? Can double pay, bonuses and commissions be counted as income? How can we plan the budget? Let the mortgage experts answer these questions for you!
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Following the announcement of the 2024-25 Budget Address, no Special Stamp Duty (SSD), Buyer’s Stamp Duty (BSD) or New Residential Stamp Duty (NRSD) needs to be paid for any residential property transactions starting from 28th February 2024. In other words, whether you are a local or first-time homebuyer or not, everyone pays the same amount of stamp duty.
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When applying for a mortgage, in addition to the owner, other parties can take up the role of borrowers or guarantors. This article covers the dierent obligations of each role and the impact on their future borrowing capacity.
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When applying for a mortgage loan, you may notice there are HIBOR-based, prime-based and fixed-rate plans. What are the differences, and how do you choose between them to suit your budget and save interest? What are the key points to consider in a changing economic environment?
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8 steps to help you through the process of buying a property and applying for a mortgage
Learn moreRead our checklist for documents required for your mortgage application.
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