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專人跟進
計算機
按揭
私人貸款
信用卡
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基本按揭
物業資料
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口頭估價和預先批核
避免估值不足問題，簽合約應先向經絡按揭或銀行做口頭估價和預先批核
按揭流程
簽署臨時買賣合約
避免估值不足問題，簽合約應先向經絡按揭或銀行做口頭估價和預先批核
按揭流程
找經絡按揭幫手
盡快向約至少三間銀行申請按揭貸款，簡單一點想一次過申請可以找經絡按揭幫手
按揭流程
遞交文件
臨時買賣合約、借款人和擔保人(如有)之身份證副本、工作證明、最近三個月的收入證明（如糧單、銀行月結單或存摺等，非固定收入人士需要遞交更詳盡記錄）、最近年度的稅單或報稅表
按揭流程
銀行審批按揭申請
銀行審批按揭，需要時間通常為一個星期到一個月。比較並選擇條款最適合的銀行，並前往銀行簽貸款條件信作實。銀行會向你的律師樓致函，通知律師準備按揭契
按揭流程
到律師樓簽署文件
在交易日前，買家和擔保人 (如有) 到律師樓簽署按揭契據及銀行要求的其他文件
按揭流程
完成交易
律師行知會銀行，銀行會將貸款交予律師行安排送交賣方，交易便告完成。交易完成後，銀行會於一個月內發放按揭的現金回贈。另外會寄上還款過程表，通知客戶每月供款之本金、利息及結餘等詳細資料
樓價首期對照表
住宅樓價首期比例對照表1(自用+以入息計算)
| 自用 | ||
| 樓價 | 首期 | 首期比例 |
| $4,000,000 | $400,000 (按保) | 10% |
| $4,500,000 | $450,000 (按保) | 10% |
| $5,000,000 | $500,000 (按保) | 10% |
| $5,500,000 | $550,000 (按保) | 10% |
| $6,000,000 | $600,000 (按保) | 10% |
| $6,500,000 | $650,000 (按保) | 10% |
| $7,000,000 | $700,000 (按保) | 10% |
| $7,500,000 | $750,000 (按保) | 10% |
| $8,000,000 | $800,000 (按保) | 10% |
| $8,500,000 | $850,000 (按保) | 10% |
| $9,000,000 | $900,000 (按保) | 10% |
| $9,500,000 | $950,000 (按保) | 10% |
| $10,000,000 | $1,000,000 (按保) | 10% |
$11,000,000 | $2,000,000(按保) | 18% |
$12,000,000 | $2,400,000(按保) | 20% |
$13,000,000 | $2,600,000(按保) | 20% |
$14,000,000 | $2,800,000(按保) | 20% |
$15,000,000 | $3,000.000(按保) | 20% |
$16,000,000 | $4,000,000(按保) | 25% |
$17,000,000 | $5,000,000(按保) | 29% |
$18,000,000 | $5,400,000(按保) | 30% |
$19,000,000 | $5,700,000(按保) | 30% |
$20,000,000 | $6,000,000(按保) | 30% |
以上資料只供參考。
住宅樓價首期比例對照表2(非自用/公司持有)
| 公司/非自用 | ||
| 樓價 | 首期 | 首期比例 |
| $4,000,000 | $2,000,000 | 50% |
| $4,500,000 | $2,250,000 | 50% |
| $5,000,000 | $2,500,000 | 50% |
| $5,500,000 | $2,750,000 | 50% |
| $6,000,000 | $3,000,000 | 50% |
| $6,500,000 | $3,250,000 | 50% |
| $7,000,000 | $3,500,000 | 50% |
| $7,500,000 | $3,750,000 | 50% |
| $8,000,000 | $4,000,000 | 50% |
| $8,500,000 | $4,250,000 | 50% |
| $9,000,000 | $4,500,000 | 50% |
| $9,500,000 | $4,750,000 | 50% |
| $10,000,000 | $5,000,000 | 50% |
$11,000,000 | $5,500,000 | 50% |
$12,000,000 | $6,000,000 | 50% |
$13,000,000 | $6,500,000 | 50% |
$14,000,000 | $7,000,000 | 50% |
$15,000,000 | $7,500,000 | 50% |
$16,000,000 | $8,000,000 | 50% |
$17,000,000 | $8,500,000 | 50% |
$18,000,000 | $9,000,000 | 50% |
$19,000,000 | $9,500,000 | 50% |
$20,000,000 | $10,000,000 | 50% |
以上資料只供參考。
工商舖物業價格與首期比例對照表
| 樓價 | 首期 | 首期比例 |
| $4,000,000 | $1,600,000 | 40% |
| $4,500,000 | $1,800,000 | 40% |
| $5,000,000 | $2,000,000 | 40% |
| $5,500,000 | $2,200,000 | 40% |
| $6,000,000 | $2,400,000 | 40% |
| $6,500,000 | $2,600,000 | 40% |
| $7,000,000 | $2,800,000 | 40% |
| $7,500,000 | $3,000,000 | 40% |
| $8,000,000 | $3,200,000 | 40% |
| $8,500,000 | $3,400,000 | 40% |
| $9,000,000 | $3,600,000 | 40% |
| $9,500,000 | $3,800,000 | 40% |
| $10,000,000 | $4,000,000 | 40% |
$11,000,000 | $4,400,000 | 40% |
$12,000,000 | $4,800,000 | 40% |
$13,000,000 | $5,200,000 | 40% |
$14,000,000 | $5,600,000 | 40% |
$15,000,000 | $6,000,000 | 40% |
$16,000,000 | $6,400,000 | 40% |
$17,000,000 | $6,800,000 | 40% |
$18,000,000 | $7,200,000 | 40% |
$19,000,000 | $7,600,000 | 40% |
$20,000,000 | $8,000,000 | 40% |
以上資料只供參考。
