可以用人工幾多去供樓－fksnlix的部落格

標題:

可以用人工幾多去供樓

發問:

如果一人儲蓄25萬,薪金19000元,保險用5700元,日常開之3500元,我想問可以供160萬ge摟嗎?還有我聽說過是將薪金除2,再減開之,餘下才可供樓,是真的嗎?

最佳解答:

Premises Price HK$1,600,000.00 Downpayment HK$160,000.00 HK$228,900.00 Property Agent Commission HK$16,000.00 Stamp Duty HK$100.00 Legal Cost HK$5,000.00 Total Lump Sum Cost HK$181,100.00 HK$250,000.00 Remaining Balance HK$1,440,000.00 HK$1,371,100.00 Insurance Premium HK$57,312.00 HK$54,569.78 Mortgage Loan HK$1,497,312.00 HK$1,425,669.78 Loan Tenor 30 Yrs Monthly Repayment HK$6,280.09 HK$5,979.60 Required Income Level HK$12,560.18 HK$11,959.21 Normally, the definition of income is Salary / Wage - Regular Expense for your case: Salary = 19000 Regular Expense = 5700 the Sundary = 3500 should not be countered. Normally, the maximum Debt-To-Income Ratio = 50%, but it would be 45% if Loan-To-Value > 90% and loan tenor > 25 years

此文章來自奇摩知識+如有不便請留言告知

其他解答:

你層樓係私樓抑或係居屋呀? 私樓首期要係樓價三成喎,你得25萬,邊夠買160萬嘅樓呀,豈碼要有48萬首期喎. 如果係居屋咁你有25萬就夠啦,居屋係房署做担保25年期嘅,咁居屋已經有十年樓齡,咁即係供15年,保險5700加日常3500,即係9200,咁你仲有成萬蚊供樓,咁你係可以供居屋嘅,但係私樓你就儲吓先啦. 但係你係公屋戶主名用綠表抽抑或係單人身份以白表申請呢?因為六月嘅居屋貨尾係八成比綠表,二成比白表嘅,咁就祝你好運啦.6524A8F25B63629D