2024-04-24 28Hse Editor
Small owners suspected of stressing "Fatty", 8 units of Bihua rumored to be re-sold today
New World’s Yuen Long Pui Yi sold 22 units of tart orders last Saturday. After the large orders were sold out, according to the real estate agent, Ho Man Tin Pui Hua, who is also an existing building, also reported 8 large tart orders. The developer Opportunity to be re-sold today. It is understood that a total of about 30 large tart orders were recorded in the two markets in just one week, all because these buyers entered the market when the real estate agent lobbied them to attend the meeting. . However, over the past two years, Hong Kong's Baiye Group has undergone major changes. These small owners eventually failed the bank stress test, failed to make a mortgage and ordered a big deal, and they worked so hard until the first installment was put into money. It was really miserable.
reporter Liang Yueqin
He Wentian Puihua, with a total of 240 units, was originally sold out in May 2019. There are rumours that there are 8 units to be booked, including open-plan one-bedroom units. According to news, the large orders for the tarts are distributed in the high, medium and low floors, covering an area of 208 to 447 square feet, covering open-plan to two-bedroom households. All were sold in May 2019, priced at 5.288 million to 11.401,000 yuan, a total of The property price involved exceeded 48.54 million yuan.
Cases not shown in the register of transactions
There is also news that the developer has recently opened the existing building to allow prospective buyers to make an appointment for a visit, and has arranged for a resale at the sales office of Discovery Park in Tsuen Wan today. However, yesterday’s record of first-hand transactions showed that the 8 rumored large orders of tart cases have not yet been uploaded to the real estate website.
Regarding the rumors about the big ordering of tarts, a New World spokesperson said that when buyers fail to complete the transaction within the specified time, they will initiate the termination procedure in accordance with the relevant sales and purchase agreement and require 24 hours in accordance with the "First-hand Residential Property Sales Regulations" Announce relevant information within. In addition, the group will also arrange for interested parties to visit show flats or completed existing flats from time to time.
In fact, buying a house is a major event in life. Before entering the market, you must do your homework, find a bank in advance to assess your ability to buy a home, and do a bank stress test in advance. Even if you plan to use the construction period payment and wait for the occupation to find a bank to do a high-volume guarantee, you must understand the requirements of the contribution and income ratio.
90% can be borrowed for properties below 9 million yuan
Generally speaking, the maximum mortgage ratio for private properties is 60%. According to the guidelines of the Hong Kong Monetary Authority, mortgage loans for owner-occupied properties are subject to the upper limit of the mortgage ratio. If you want to borrow more than 60%, you must purchase "Mortgage Insurance". The Hong Kong government announced in its policy address on October 16, 2019 that it would relax the mortgage ratio for first home buyers. Under the new law, the government relaxes the loan of up to 90% for properties under 9 million yuan (up to 7.2 million), and up to 80% for properties under 10 million yuan. In addition, if first home buyers fail to meet the bank stress test, they can also apply for a mortgage of up to 80% or 90%, but their contribution to income ratio requiresNo more than 50%, and the applicant needs to add 15% mortgage insurance premium on top of the original premium.
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