first-time buyers of new houses

Handy mortgage tips and pitfalls to avoid for first-time buyers of new houses in Hong Kong【星之谷專欄-南華早報】

As the vaccine programme continues to help contain the Covid-19 pandemic in Hong Kong, home prices have rebounded substantially in recent months. A flood of cheap money unleashed by global central banks has found its way into fixed assets including residential properties.

樓花按揭

樓花按揭接受申請時限不同 拆解箇中兩大因素【星之谷專欄-經濟一週】

一手樓花付款方法可分為「建期」及「即供」兩類,選擇即供的買家,須於簽正式合約後指定限期内(一般為90至180天),找清樓價尾數。值得留意,儘管樓花即供的成交期可長達半年,惟基於行政及技術等原因,銀行普遍把即供按揭申請日期,定於物業成交前三個月,出現錯配情況。

甩名抽樓

甩名抽樓免繳15%印花稅 提防伏位免按揭難產【星之谷專欄-經濟一週】

樓市「辣稅」增加入市負擔,部分人訴諸財技以合法避税,例如不少持有聯名物業的夫婦,其中一人會先於原有物業甩名,再以首置身分抽新樓,免繳15%從價印花稅(AVD)。惟於甩名程序上,税局及銀行處置手法大不同,或導致新樓按揭大失預算,今期詳述箇中伏位,助業主成功避稅及上會。