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Basic Mortgage
Mortgage Calculator
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Valuation
Property type
If this website fails to provide the property valuation you need, please select "Other" to manually enter the property address.
Mortgage Process
Verbal valuation and pre-approval
To avoid the problem of undervaluation, you should do a verbal valuation and pre-approval by mReferral or bank before signing the contract.
Mortgage Process
Sign the Provisional Agreement for Sale and Purchase
To avoid the problem of undervaluation, you should do a verbal valuation and pre-approval by mReferral or bank before signing the contract.
Mortgage Process
Seek advice from mReferral
Apply for a mortgage loan from at least three banks. If you want to apply in one go, mReferral would definitely help.
Mortgage Process
Submit documents
Provisional Agreement for Sale and Purchase, copy of ID card of borrower and guarantor (if any), income proof, e.g. employment contract/latest salary slip, bank book/statements showing salary income or latest tax demand note
Mortgage Process
Bank approves mortgage application
It usually takes a week to a month for the bank to approve a mortgage. Compare and choose the bank with the most suitable terms, and sign the letter of loan offer with bank. The bank will send a letter to your law firm to inform the lawyer to prepare the mortgage deed.
Mortgage Process
Sign documents at law firm
Before the transaction day, the buyer and the guarantor (if any) go to the law firm to sign the mortgage deed and other documents required by the bank.
Mortgage Process
Complete transaction
The law firm informs the bank that the bank will deliver the loan to the law firm to arrange delivery to the seller, and the transaction is completed. After the transaction is completed, the bank will issue a cash rebate for the mortgage within one month. In addition, a repayment process table will be sent to inform customers of the detailed information of the principal, interest and balance of the monthly payment.
Property valuation
Monthly Income
HK$
Affordable monthly loan amount (Debt-to-income ratio)
HK$
Down Payment
HK$
Interest rate
P=5.375%
-
Or
Repayment Period
Please provide the following information (*mandatory)
Do you currently have an outstanding mortgage loan, either as guarantor or borrower?*
Please Select
Mortgage Application by Company or Individual*
Please Select
Are your income derived mainly in Hong Kong?*
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The property is purchased for self-use?*
Please Select
Property Type*
Completed Property
Cash Payment*
Yes
Total Monthly Debt Repayment Amount (Included 2nd mortgage)
HK$
The part of stress test assumed the applicants’ income derived mainly in Hong Kong, have not borrowed or guaranteed other outstanding mortgage(s) and be bought for self-use purpose. The above information is for reference only. No guarantee or representation is given by Midland as to its accuracy, completeness and/or applicability. All terms and conditions are subject to HKMA, HKMC, Inland Revenue Department, financial institution’s final announcement/approval. Information as of 22 August 2019.
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Affordability Calculator

按揭20大FAQS


1. 什麼是按揭貸款?

按揭貸款是指借款人向金融機構借錢購買房屋,並以該房屋作為抵押品。借款人通常需要透過定期還款方式還清貸款。

2. 如何申請按揭貸款?

除了直接向銀行或其他金融機構申請按揭,亦可以向按揭轉介公司一次過申請多間銀行的按揭。

3. 什麼是按揭保險?

向銀行申請按揭按揭,按揭成數最高只可借7成。如想借取更高成數,便需要申請按揭保險,及支付按揭保險費。

4. 在不申請按揭保險的情況下,住宅最高可借取幾多成按揭?

住宅不論任何樓價,最高按揭成數均為7成。

5. 工商舖最高可借取幾多成按揭?

工商舖一類非住宅最高按揭成數為7成。

6. 以資產水平審批的按揭,最高按揭成數為多少?

不少退休人士如果想借取按揭,通常會以資產水平審批的按揭,現時最高按揭成數為7成。

7. 如果申請按揭保險,最高按揭成數做到幾多?

1,000萬元或以下的物業,最高按揭保險成數為9成,1,000萬至1,125萬物業,最高按揭成數為8至9成(貸款上限900萬),1,125萬元以上至1,500萬元的物業,最高按揭保險成數為8成,1,500萬至1,715萬為7至8成(貸款上限1,200萬),1,715萬至3,000萬最高按揭成數為7成。

8.申請按揭貸款需要準備哪些文件?

每間銀行要求的按揭文件略有不同,常見的文件包括身份證明文件、收入證明文件、稅單、就業證明、顯示收入的銀行月結單及臨時買賣合約等。

9. 現時市場上最主流的按揭計劃有哪幾類?

現時市場上最主流的按揭計劃包括H按、P按及定息按揭。

10. 甚麼叫H按?

「H按」的「H」是HIBOR的意思,中文為「銀行同業拆息」,H按是一種基於同業拆息而產生變化的按揭計劃。

11. 甚麼叫P按?

P按中的P是指最優惠利率(Prime Rate),即每間銀行為優質客戶提供的基本貸款利率,P按是每間銀行根據其利率計算出來的按揭計劃。

12. 按揭還款期一般可幾長?

根據金管局規定,銀行按揭還款期可以長達30年。

13. 如何比較不同的按揭貸款產品?

市場上的按揭產品眾多,可以根據不同按揭貸款產品的利率、貸款期限、還款方式、是否有高息戶口等因素決定應否申請有關按揭。

14. 按揭貸款需要支付什麼費用?

借取按揭需要支付利息,如果申請按揭保險,便額外需要繳交按保費用。另外,如果在罰息期內提前還款,亦需要支付其他費用。

15. 什麼是預先批核?

預先批核是指正式申請貸款之前,金融機構對借款人的財務和信用狀況進行初步審核,以確定可能獲得的貸款金額和利率範圍。

16. 如何提高獲得按揭貸款的機會?

要提高獲得按揭貸款的機會,需要維持良好的信用記錄、增加穩定的收入、提供充分的貸款申請文件、減少負債負擔等。

17. 我可否轉按?

可以根據貸款條款和金融機構政策,在原有按揭罰息期後,轉換至其他銀行的按揭貸款。

18. 我可以用按揭貸款購買不同類型的物業嗎?

現時市場上有針對不同房屋類型的按揭計劃,包括私樓按揭、居屋按揭、村屋按揭、工商舖按揭甚至車位按揭等。

19. 如果我無法按時還款,會發生什麼情況?

一旦無法按時還款,可能會產生逾期費用和罰息,並對借款人的信用記錄產生負面影響。

20. 甚麼是綠色按揭?
 

銀行為香港綠色建築議會「綠建環評」認證為鉑金級或金級的環保建築物,設有專屬的按揭優惠計劃,此稱為綠色按揭,申請綠色按揭有機會享有額外的現金回贈。

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