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skyqq

wu

michael8330

<div class="msgheader">QUOTE:</div><div class="msgborder"><b>以下是引用<i>skyqq</i>在2006-8-24 11:10:00的发言：</b><br/><p>打算买一套大概25万左右的房子，就已25万为标准好了！</p><p>银行里必须有多少钱才可以贷款，两个都是pr的话可以贷90%，80%？</p><p>每月大概要还多少？还有许多不同的计划？不好意思啊，本人是新手，实在不太懂，有什么弱智问题或不清楚的问题多包涵了！</p>[em04][em04][em04]</div><p>5% cash and 5% cpf base on purchase price.</p><p>u can ask for 90% (maximum) but the interest rate will be higher , so for normal case i will advise client to go for 70-80% if possible.</p><p>take a rough guideline, every $100 000 (3% for 30 year )the monthly instalement is around $500/- ($420 to be exact), ex. if u take 250k loan , month instalement will be around $1250/-</p><p>and the bank guideline to borrow u is around 40% of yr hsehold income , so every $1000/- u are using $400 to service the loan , so u can see from here , u earn 1k they will borrow u&nbsp; around 100K, if yr combine income is around 4K, they will borrow 400K. but this is almost maximum so in normal case i will tell client he can borrow up to 350K ( to be safe).</p><p></p><p>not clear , ask again. i am glad to assist u.</p>

[此贴子已经被作者于2006-8-24 11:29:40编辑过]

michael8330

no cpf, the cpf potion will have to use cash.

ncws2002

如果没有CPF呢