【屋企有60隻窗先係真有錢人】低調置業討論區(63)

greatsoup 2017-9-8 17:47:11

各位巴打，我朋幫友問問，
佢出現金糧，30k左右h每月固定日子存入銀行，
呢個情況下買樓，銀行會唔會肯借9成？
都係買300萬以下的樓

:^(

greatsoup 2017-9-8 17:48:51

依家供款期容唔容易做到30年主要咩因素影響？

主要睇供款人年齡同樓既年齡
好似拎75去減

:^(

:^(

greatsoup 2017-9-8 17:49:32

其實還Grant loan計唔計入壓力測試架?

乜債都計
:^(

:^(

Grant loan 唔計嫁
:^(
Grant loan 直頭唔會係TU到出現, 點樣計

:^(

:^(

長崎量美 2017-9-8 17:50:19

:^(

:^(

:^(

:^(

:^(

:^(

:^(

:^(

greatsoup 2017-9-8 17:52:10

其實還Grant loan計唔計入壓力測試架?

乜債都計
:^(

:^(

Grant loan 唔計嫁
:^(
Grant loan 直頭唔會係TU到出現, 點樣計

:^(

:^(

:^(

:^(

:^(

:^(

greatsoup 2017-9-8 17:52:53

其實還Grant loan計唔計入壓力測試架?

乜債都計
:^(

:^(

Grant loan 唔計嫁
:^(
Grant loan 直頭唔會係TU到出現, 點樣計

:^(

:^(

:^(

:^(

greatsoup 2017-9-8 17:53:49

:^(

:^(

:^(

:^(

:^(

:^(

:^(

:^(

:^(

炭燒三文魚 2017-9-8 17:55:31

如果老豆層400萬樓, 想換800萬樓全家住
我做供剩下果400萬, 首置稅個問題加老豆一半名, 係收一半既稅?
之後再加名又避唔避到?

巴打個case 唔清楚,講清楚D想點買

簡單D講
有400首期老豆比, 800萬樓
但想落番老豆名我首置
稅方面係咪一半既15%?
近親後加名避唔避到?

第一，你老豆本身有無樓？
無樓換樓定係買多一層
如果你老豆本來有一層，唔係換樓，就要俾tax
如果換樓，舊樓半年內賣出可以退返稅，但要俾左先

:^(
明白thx，如果有咁多cash就好
:^(

估你應該換樓OR 買多層，假設而家層樓係
1. 換樓（落你老豆名）
1.1 先買新樓，先俾額外印花稅，半年內賣舊樓，退返稅
1.2 先賣舊樓，再買新樓，正常印花稅
2. 換樓，落你名正常印花稅
3. 買多層，落你老豆名，唔理聯名定單獨，額外印花稅
4. 買多層，落你名，正常印花稅

寫緊program
:^(

:^(

清楚D嘛

:^(

飯爸巴（餵奶） 2017-9-8 17:55:46

:^(

:^(

:^(

:^(

:^(

:^(

:^(

:^(

:^(

呢度既ib 係指 ibond 嗎？

炭燒三文魚 2017-9-8 17:56:07

乜債都計
:^(

:^(

Grant loan 唔計嫁
:^(
Grant loan 直頭唔會係TU到出現, 點樣計

:^(

:^(

:^(

:^(

Full grant full loan 一個咪32 兩個咪74
我地唔識唔好話人唔得
:^(

:^(

好難full grand ＋ full loan 架

:^(

greatsoup 2017-9-8 17:56:58

:^(

:^(

:^(

:^(

:^(

:^(

:^(

:^(

:^(

呢度既ib 係指 ibond 嗎？

:^(

greatsoup 2017-9-8 17:57:13

乜債都計
:^(

:^(

Grant loan 唔計嫁
:^(
Grant loan 直頭唔會係TU到出現, 點樣計

:^(

:^(

:^(

:^(

Full grant full loan 一個咪32 兩個咪74
我地唔識唔好話人唔得
:^(

:^(

好難full grand ＋ full loan 架
:^(

:^(

炭燒三文魚 2017-9-8 18:02:09

乜債都計
:^(

:^(

Grant loan 唔計嫁
:^(
Grant loan 直頭唔會係TU到出現, 點樣計

:^(

:^(

:^(

:^(

Full grant full loan 一個咪32 兩個咪74
我地唔識唔好話人唔得
:^(

:^(

好難full grand ＋ full loan 架
:^(

:^(

:^(

greatsoup 2017-9-8 18:05:12

乜債都計
:^(

:^(

Grant loan 唔計嫁
:^(
Grant loan 直頭唔會係TU到出現, 點樣計

:^(

:^(

:^(

:^(

Full grant full loan 一個咪32 兩個咪74
我地唔識唔好話人唔得
:^(

:^(

好難full grand ＋ full loan 架
:^(

:^(

:^(

:^(

飯爸巴（餵奶） 2017-9-8 18:07:02

:^(

:^(

:^(

:^(

:^(

:^(

:^(

:^(

:^(

呢度既ib 係指 ibond 嗎？

:^(

:^(

lampardbb 2017-9-8 18:33:32 星期六日冇新盤

:^(

jeffreyching 2017-9-8 19:01:39 請問一下，聯名樓如何甩一個名，供緊，有咩要注意？

VicF 2017-9-8 19:15:33

請問一下，聯名樓如何甩一個名，供緊，有咩要注意？

去律師樓攪，比正常印花稅，半份契比樓價一半嘅印花稅，唔記得係咪叫送契

遊雲 2017-9-8 19:25:54

請問一下，聯名樓如何甩一個名，供緊，有咩要注意？

去律師樓攪，比正常印花稅，半份契比樓價一半嘅印花稅，唔記得係咪叫送契

當正常買埋都係咁比，都係交一半印花稅
不過供緊就好似要做過按揭，計番一個人名係咪供得起

炭燒三文魚 2017-9-8 19:38:35

:^(

:^(

Full grant full loan 一個咪32 兩個咪74
我地唔識唔好話人唔得
:^(

:^(

好難full grand ＋ full loan 架
:^(

:^(

:^(

:^(

:^(

快銀唔銀快 2017-9-8 19:42:02

:^(

:^(

Full grant full loan 一個咪32 兩個咪74
我地唔識唔好話人唔得
:^(

:^(

好難full grand ＋ full loan 架
:^(

:^(

:^(

:^(

:^(

:^(

炭燒三文魚 2017-9-8 20:07:20

Full grant full loan 一個咪32 兩個咪74
我地唔識唔好話人唔得
:^(

:^(

好難full grand ＋ full loan 架
:^(

:^(

:^(

:^(

:^(

:^(

:^(

90後廢Ching 2017-9-8 20:23:13

好難full grand ＋ full loan 架
:^(

:^(

:^(

:^(

:^(

:^(

:^(

:^(

90後廢Ching 2017-9-8 20:28:11

:^(

:^(

:^(

:^(

:^(

:^(

:^(

:^(

jeffreyching 2017-9-8 20:39:18

請問一下，聯名樓如何甩一個名，供緊，有咩要注意？

去律師樓攪，比正常印花稅，半份契比樓價一半嘅印花稅，唔記得係咪叫送契

當正常買埋都係咁比，都係交一半印花稅
不過供緊就好似要做過按揭，計番一個人名係咪供得起

唔該vic 巴，遊雲巴

:^(