Yes, usually developers will hook with certain mortgagee for buyers to get beneficial rates. But of course it's no harm for you to compare with other mortgagees in order to get your best rate and the best mortgage type that fits you the most. For this kind of unfinished (still under major construction) developments, you don't need to pay in full at time of purchase. You'll need to pay for a deposit, and then a second payment (and maybe some further minor payments at certain time during the construction period, depends on individual developers), you don't need to pay for the actual mortgage until the development is about to be finished.作者: auyatyat 時間: 2011-5-19 19:30
The Sale Center or Realtor should've provided you with all these information..and why would you scramble for an answer from a message forum AFTER you've made such a major purchase. It's really none of my business but I just find it a little strange.
By落左訂do you mean 大訂 or 細訂? If it's only the 細訂 that let you hold it for a week, you're not going to get a mortgage to fund the remainder of deposits (anywhere from 15 to 25% depending on the project)...I hope that's not the situation you're in since you sound like you're in a hurry for answer. If cash isn't an option you can get a line of credit or borrow against your existing property if you already own one.
If you've made all your 大訂 then there's no need to worry too much about the mortgage part until closer to completion.
如果有得楝, 我會買現樓; 買樓花黎炒? it is no-no for sure.