按揭一問??

請問而家銀行做o既樓宇按揭最優惠利率係P-%??

THX~~

3 Answers

Rating
  • 匿名
    Lv 6
    1 decade ago
    Favorite Answer

    I have make the following analysis

    for my case: the price of the premise is HK$2.58m

    I use 95% mortgage 25 yrs

    insurance = HK$93,366 and it will be included in loan for mortgage

    actual借貸金額=HK2.58m x 95% + HK$93,366 = HK$2,544,366.00

    There are a no. of plans in the market among various banks. You have to give a phone call to each bank to ask for their latest arrangement. The result below may not be valid now.

    香港同業拆息=4.90%

    年期 (yrs)25

    methodology: an amortisation schedule is produced for each plan. The average of the regular payments is summarised. The cash rebate will not be deducted from the loan amount as most of the banks provide the rebate via credit card. You must use it. All the interest paid in each month will be discounted back to time zero by the mortgage rate. The summarised total interest is the total discounted interest at the time you borrow the loan minus the cash rebate. A simple interest to loan ratio is also provided for your easy reference. No matter what percentage of the cash rebate specified by the bank, it must be less than 1% of 70% of the property value (i.e. < 0.007 of your premise price)

    銀行=匯豐銀行

    按揭計劃=P-2.88%

    最優惠利率=7.75%

    現金回贈=HK$0

    罰息期=3yrs

    每月供款=HK$14,682

    全期利息支出=HK$1,242,803

    利息與貸款比=48.85%

    銀行=恆生銀行

    按揭計劃=P-2.9%

    最優惠利率=7.75%

    現金回贈=HK$18,060

    罰息期=3yrs

    每月供款=HK$14,653

    全期利息支出=HK$1,220,847

    利息與貸款比=47.98%

    銀行=中銀香港

    按揭計劃=P-2.975%

    最優惠利率=7.75%

    現金回贈=HK$18,060

    罰息期=3yrs

    每月供款=HK$14,542

    全期利息支出=HK$1,206,151

    利息與貸款比=47.40%

    銀行=花旗銀行

    按揭計劃=P-3.25%

    最優惠利率=8.00%

    現金回贈=HK$18,060

    罰息期=3yrs

    每月供款=HK$14,506

    全期利息支出=HK$1,201,224

    利息與貸款比=47.21%

    銀行=中信嘉華銀行

    按揭計劃=P-3%, with P-3.2% for the first 1 year

    最優惠利率=8.00%

    現金回贈=HK$0

    罰息期=3yrs

    每月供款=HK$14,854

    全期利息支出=HK$1,264,671

    利息與貸款比=49.70%

    銀行=中信嘉華銀行

    按揭計劃=P-2.8%, with P-3.2% for the first 1 year

    最優惠利率=8.00%

    現金回贈=HK$15,266

    罰息期=3yrs

    每月供款=HK$15,131

    全期利息支出=HK$1,284,157

    利息與貸款比=50.47%

    銀行=創興銀行

    按揭計劃=P-3.25%

    最優惠利率=8.00%

    現金回贈=HK$18,060

    罰息期=3yrs

    每月供款=HK$14,506

    全期利息支出=HK$1,201,224

    利息與貸款比=47.21%

    銀行=創興銀行

    按揭計劃=P-3.25%, with P-4.25% for the first 1 year

    最優惠利率=8.00%

    現金回贈=HK$0

    罰息期=3yrs

    每月供款=HK$14,403

    全期利息支出=HK$1,202,431

    利息與貸款比=47.26%

    銀行=創興銀行

    按揭計劃=P-3.25%, with P-3.5% for the first 3 years

    最優惠利率=8.00%

    現金回贈=HK$6,361

    罰息期=3yrs

    每月供款=HK$14,431

    全期利息支出=HK$1,201,028

    利息與貸款比=47.20%

    銀行=永隆銀行

    按揭計劃=P-3.25%

    最優惠利率=8.00%

    現金回贈=HK$18,060

    罰息期=3yrs

    每月供款=HK$14,506

    全期利息支出=HK$1,201,224

    利息與貸款比=47.21%

    銀行=永隆銀行

    按揭計劃=P-3.25%, with P-3.5% for the first 3 years

    最優惠利率=8.00%

    現金回贈=HK$0

    罰息期=3yrs

    每月供款=HK$14,431

    全期利息支出=HK$1,207,389

    利息與貸款比=47.45%

    銀行=渣打銀行

    按揭計劃=P-3.25%

    最優惠利率=8.00%

    現金回贈=HK$18,060

    罰息期=0yr

    每月供款=HK$14,506

    全期利息支出=HK$1,201,224

    利息與貸款比=47.21%

    銀行=東亞銀行

    按揭計劃=P-3.33%, with P-3.4% for the first 5 years

    最優惠利率=8.00%

    現金回贈=HK$0

    罰息期=1yr

    每月供款=HK$14,355

    全期利息支出=HK$1,198,119

    利息與貸款比=47.09%

    銀行=東亞銀行

    按揭計劃=P-3.33%, with P-3.3% for the first 3 years and P-3.4% for the fourth & fifth year

    最優惠利率=8.00%

    現金回贈=HK$10,177

    罰息期=3yrs

    每月供款=HK$14,385

    全期利息支出=HK$1,128,083

    利息與貸款比=44.34%

  • 6 years ago

    想借錢又想節省利息?遇到借唔到錢既情況?

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    我地一站式服務一定幫到你

    為你提供最合適既計劃,各間銀行貸款機構既優惠利率

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    1. 私人貸款,貸款額可達月薪23倍(需入息紀錄)

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    3. 沒有入息紀錄,但需要現金周轉

    4. 貸款項目較多,想集中環款

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  • Lv 6
    1 decade ago

    一般是P-2.9% 至2.95%

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