At present, 70% of Hong Kong (70% of loanable funds) is over _ _ _ _ _, but if _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ Hong Kong _/kloc-0 And _330_ transaction stamp duty _ business _ _ land _ _ agency _ _ property _ _ guarantee _ and management _ (not all _ _ collected) ... it is better to be 70% of the amount of _ _, according to __ 10/0 years or less, _ _ 50 years or less, 20 years (240 periods) The mortgage interest rate in Hong Kong is different for all banks. And _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _. _ _ _ _ _ _ _ _ _ _ _ _ _ _ You might as well have _ _ more homes and _ _ more happiness! Haha ~
Do you know the down payment for buying a house in Hong Kong?
Do you know the down payment for buying a house in Hong Kong? Now that house prices are getting higher and higher, we all want to know whether the price of buying a house in Hong Kong should be paid in one lump sum, or how much is the down payment, and whether it can be paid in installments. So what? Let's take a look at the relevant information and find out. Yesterday's news showed that the Hong Kong Monetary Authority announced that in view of the continuous recovery of the property market, the SAR Government had issued instructions to banks to tighten mortgage loans. For the first time, HKMA imposed restrictions on "non-Hong Kong" borrowers, requiring them to pay 10% more down payment than Hong Kong residents. For people who invest less, especially those whose monthly salary includes basic salary, skill salary, post salary, four gold and a small amount of subsidies, and those who are similar to other state-owned enterprises, they will pay a down payment of 60,000 yuan, then deduct it according to everyone's monthly salary and pay it off in 20 years. A friend of mine rented a small house of 10 square meter near the New Territories in Hong Kong, with a monthly rent of 3 100 yuan. The owner is very clever, dividing a suite into three single rooms of 10 square meter, and charging a monthly rent of 9500. Living in Hong Kong is an outrageous culture. Rent if you can't afford the down payment. According to my analysis, there may be a risk of raising interest rates. But it seems that the low interest rate of buying a house in Hong Kong will continue, even if it is raised, it will not be too outrageous. Even if it is quadrupled, it will become too high. Paying 300 yuan more every month is not risky to buy a house.
Can mainlanders apply for a mortgage when buying a house in Hong Kong? What is the down payment?
Yes, the down payment for the first suite is 20%.
The mortgage borrower must meet the following conditions at the same time:
Have a legal status;
Have a stable economic income, good credit and the ability to repay the principal and interest of loans;
There are legal and effective contracts and agreements for the purchase and overhaul of housing and other supporting documents required by the loan bank;
Having self-raised funds of more than 20% of the total price of the purchased (overhauled) house, and guaranteeing to pay the down payment of the purchased (overhauled) house;
Having the assets mortgaged or pledged by the loan bank, or (and) a legal person, other economic organization or natural person with sufficient compensation capacity as the guarantor;
Other conditions stipulated by the lending bank.
How low is the down payment for Hong Kong villas? Do I need to pay property tax? What should I pay attention to when signing a house purchase contract?
How low is the down payment for Hong Kong villas? Do I need to pay property tax?
1, the down payment for the first suite of Henan Villa is 30%, and the loan is 70%. Now the annual interest rate is 6: 00. The second set, the down payment is 60%, which is 1. 1 times the benchmark interest rate of the loan. Property buyers can apply for housing mortgage loans.
2. In Henan, just like applying for housing loans for commercial and residential buildings, individuals applying for housing mortgage loans to buy houses require applicants to prepare at least 30% down payment, work and personal income certificates (self-employed individuals should prepare business licenses), bank cards have been flowing in recent months, and marriage certificates should be submitted to local financial institutions.
3. I buy a house and apply for a housing mortgage loan, and I am also familiar with the housing policy of the local commercial bank. Different types of regions, banks or local housing policies have certain differences, so before deciding to buy a house with a loan, it is best to consult the local bank first and then apply for a mortgage loan after careful consideration.
Do Hong Kong villas have to pay property tax?
1, and commercial and residential buildings that have been used, leased or lent by real estate development enterprises before sale, shall be subject to property tax. Therefore, the commercial and residential buildings built by real estate development enterprises are not subject to property tax before sale. For commercial and residential buildings that have been used or leased or lent by real estate development enterprises before sale, real estate tax should be stipulated.
2. The house price already contains a lot of taxes and fees, and paying taxes in a big way may cause many people's dissatisfaction. Especially for unique houses such as single-family villas, the collection method is more difficult to manage and make decisions. China can introduce relevant policies, how to pay taxes on single-family villas and implement practical countermeasures for the real estate industry, and the real estate industry will naturally shrink.
3, the area of the villa is relatively large, and the number of villas is large, so the tax is definitely not a small amount. If the homeowner has sufficient cash flow, paying taxes is not a problem. But if the owner's financial situation is not optimistic, or there is any misfortune, then this tax is high.
What should I pay attention to when signing a house purchase contract?
1. Agreement on delivery time
Many developers will trace back to the pre-sale contract, for example, only indicate the completion date, not the date of putting into use; Some vague language expressions such as "after the installation of hydropower equipment, after the quality acceptance, after the end of residential quarters" are applicable. For this matter, when signing the purchase contract, the buyers must clearly and accurately require the delivery time to be "a certain month and a certain day", and indicate the risks that developers need to bear if they cannot deliver the house in time.
2. Agreement on liquidated damages
Many people will pay attention to the content of liability for breach of contract when signing a house purchase contract, but ignore the agreement on liquidated damages. When signing a house purchase contract, we must pay attention to whether the liquidated damages of various contracts are tens, thousands or tens of percent. If a zero is missing, the total amount of RMB to be paid in the specific compensation will be very different. In addition, it is necessary to pay special attention to the fact that the developer must carefully check the proportion of liquidated damages in the supplementary contract agreement.
3. Loan failure agreement
Many people need to borrow money from banks to buy houses, but if some buyers are not cleaned up, financial institutions will stop lending because of personal credit information or other problems. Therefore, the buyers must make it clear in the purchase contract that if the buyers can't buy a house due to the rejection of the loan, the developers should refund all the deposits paid by the buyers. If there is no agreement in the purchase contract, the buyer himself will not only pay the deposit or go home, but also face the liability for breach of contract.
4. Agreement on vacancy clauses
Some vacant clauses in the purchase contract must be filled in after mutual verification or need to be uniquely marked, but some developers will tell the buyers that the contract is the same version number, and some vacant areas can be left blank, so developers may cheat in the vacant areas. Therefore, if property buyers really don't need a unique explanation, they can also draw a diagonal line in the blank space to indicate that there is no content here, so as to prevent developers from tampering in the blank space without authorization.
How much does it cost to buy a 120 square house in Hong Kong?
If it is almost the same, it can be calculated at 60 thousand yuan per square. Regardless of exchange rate changes, 120 square meters is about 120x9x0.82x60000 = 53136000 yuan, that is, a house with120 square meters is about 53 million yuan in Hong Kong.
Of course, there are more expensive ones in Hong Kong, with a price tag of hundreds of millions.
This is still your one-time payment. If you are a mortgage loan, I'm sorry, please calculate the interest yourself.
How do mainlanders buy houses in Hong Kong?
Limited application for bank mortgage in Hong Kong
At present, there is no precedent for banks in Hong Kong to accept applications for mortgage loans from mainlanders. "Because there are many mainland buyers applying for loans this time, we will handle them together." However, she also said that it usually takes only ten working days for Hong Kong banks to accept loans from buyers who can provide proof of income in Hong Kong. At present, she is not sure whether the loan application of Shenzhen property buyers can be approved. "We have reported all the information provided by the buyer, but we haven't got the approval result yet. It is estimated that it will take at least 1 month. "
It is best to have relatives in Hong Kong to provide guarantee.
The agent of Hong Kong Xiangyi Real Estate Agency said that it is better for Shenzhen buyers to have relatives in Hong Kong, and it is more convenient to get loans with relatives' guarantee. When the reporter said that he had no relatives in Hong Kong but needed a guarantee, the intermediary said that Hong Kong banks had more restrictions on non-Hong Kong residents buying houses in Hong Kong, which would be more troublesome.
It is understood that if mainlanders buy a house in Hong Kong, but can't pay it in one lump sum, the buyer must pay a down payment ranging from 30% to 50% first, and then borrow the rest from the bank. However, when a bank lends money, it will require customers to submit proof of assets, generally requiring at least 654.38 million yuan of deposit certificate.
In terms of specific property certificates, Hong Kong bankers said that mainland income certificates may not be recognized by Hong Kong banks. According to the financial planner of a business department of Hongkong and Shanghai Banking Corporation, in theory, mainlanders need to provide proof of real estate, income, deposits, stocks and other property funds when applying for bank mortgage in Hong Kong. However, due to the strict review system of Hong Kong banks in avoiding financial risks, the assets and income of lenders will be verified in detail. However, it is very troublesome for Hong Kong banks to verify the mainland assets certificates provided by Shenzhen people. "Because Hong Kong banks are unfamiliar with the relevant departments in the Mainland, it is very difficult to operate."
Just bring your ID card, pass and bank card.
1. Now many mainland customers go to Hong Kong to buy houses and invest independently. Mainland customers generally pay 50% down payment when buying a house in Hong Kong, and the transaction process is simple, all of which are settled in the lawyer's building.
2. It needs investment to settle in Hong Kong. The current method is to invest HK$ 654,380,000 in Hong Kong's financial sector (such as stocks, bonds, futures, or bank deposits). ), and you can apply for Hongkong and temporary id card within half a year.
Let's stop here for the introduction of mortgage down payment in Hong Kong.