Demystifying Loan-to-value Ratio and Loan Tenor under the Second-hand Home Ownership Scheme

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.

To borrow or not to borrow? Borrow only if you can repay!

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Issued by The Hongkong and Shanghai Banking Corporation Limited