樓花按揭-急問!

bearbear

本人剛剛在溫哥華購入了一個Condo 樓花。該盤會於二年後落成。想問一下, 按揭方面應如何處理? 那一間銀行對這類Pre-sale 摟有較好息口?

ATGB

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.

auyatyat

話唔定你收樓之前已經升o左好多,順手flip 埋  

FiChai

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.

bearbear

我係買來作投資或保值。咁岩呢個樓花既地點我幾鐘意。不過之前無買樓經驗, 落左訂先知咁複雜....

Lik

如果係買樓花來炒嘅話，要睇清楚個 contract 啲條文，因為有啲建築商會 explicitly 寫住除咗 immediate family 之外，個業權係唔俾響棟樓未起好之前轉讓，又或者有其他轉讓嘅規限，而 immediate family 亦有唔同嘅 definition。

買來炒嘅話，最緊要睇清楚啲先啦。

-力

cunningchu

我都試過買樓花, 原先講好1.5年建好(之後比預期快左好多), 當時承建商同某銀行一齋合作, 提供優惠利率.  

如果對方應承俾到某優惠利率比你, 記得要對方係文件上簽名落實...因為好似力所講, 一般銀行的利率有效期唔會太耐....上次我就係俾個職員"冼"猛話OK...係咁意PRINT張野出黎(好彩上面有我地的資料), 但上面無寫有效期限.到上律師樓簽文件先發覺利率唔係預先應承的(當然我地係去律師樓前一直有同佢接觸),去銀行了解,銀行經理唔認賬, 佢後未同自己職員對質, 最後妥協. 但當晚8:00幾條茂利職員打黎話拎唔番之前的利率, 話一係要佢比的RATE, 一係唔好借 (第2日係俾錢限期), 攪到我地嬲到呢,最後拎番我地的RATE (不過真係心力交瘁).

講左咁多, 我其實想講買樓花要好小心..買的單位未必好似係售樓中心見的, 借錢的利率亦因pre approval年期長, 未必會做到或者人地會反口 如果有得楝, 我會買現樓; 買樓花黎炒? it is no-no for sure.

Lik

要澄清一點：我唔係話兩年或更長嘅 pre-mortage 無人做，但據我所知就比較少，而且個年期越長，個息口亦相對地高。當然，你攞咗個 approval 先唔等於你一定要用（一定要同間銀行借），而如果近啲收樓嘅時候個息口再低啲，你當然可以再 re-neogotiate 過另外一個 quote。

講來講去，其實都係果句：唔使咁急，亦無乜得你咁急。

-力

Lik

大佬，

發展商話俾你聽個樓花要兩年先搞掂，但一般來講起樓好多時都會 delay，所以你根本唔使咁急。

更重要嘅係，個樓盤最快都要兩年後先落成，但好多銀行嘅 pre-mortgage 最多都係俾你攞年半。所以我會話你根本想急都完全急唔來。

Developer要賣樓花，有陣時會特登搵埋銀行幫手，但佢咁做嘅話就多數響個展銷中心果度會擺返一疊果間 partner 銀行嘅 mortgage officer 嘅卡片、pamphlets 之類咁。如果你見唔到嘅話，咁一係就個 development 無安排啲咁嘅野，一係就係你走漏眼。

真係要依家做嘅話，其實不妨考慮一下暫時去攞住條 line of credit 先來頂 initial deposit 果啲錢。但講真，雖然話家陣利率低，而溫哥華個樓市睇樣又唔會差，但如果老兄你真係諗住借錢來炒樓花／炒樓，不過又唔係好夠首期嘅話，我都會叫你認真諗諗自己係咪真係有能力買樓。

-力