Useful information

1. Definition and mortgage challenges of old buildings and tenement buildings 1. What are “old buildings” and “tenement buildings”? 2. Particularities of mortgage application 2. Mortgage ratio: What is the maximum amount that can be borrowed? 1. Basic restrictions under the HKMA’s guidelines 2. Is the Mortgage Insurance Programme (HKMC) applicable? 3. Key factors affecting the ratio: 3. Longest repayment period: 30 years minus the age of the building? 1. Bank calculation formula 2. Actual case comparison 3. Borrower age limit IV. Reasons for rejection and solutions 1....

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Definition and impact of bank undervaluation Definition The main reasons for bank undervaluation of properties 1. Market factors 1. High market volatility 2. Lagging transaction data 3. Regional development differences 2. Property conditions 1. Physical state of the property 2. Property rights and legal issues 3. Special purpose properties 3. Bank policies and risk management 1. Risk aversion tendency 2. Limitation of internal rating models 3. Loan amount limit 4. Human factors 1. Appraiser's subjective judgment 2....

1. Management of common parts of the building 2. Financial power 3. Enforcement of deed of mutual covenant 4. Convening owners' meeting 5. Appointment of management company 6. Right of legal action 7. Other powers 8. Limitation of corporate power 9. Unexpected details 10. Current situation and disputes 11. Common disputes and solutions 12....

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General Enquiries Report Abuse Public Housing Operations Headquarters Corporate Office Application Section (Rental Estates) Application Section (Subsidised Housing/Subsidised Loan Schemes) Property Management 8/F, 1063 King's Road, Quarry Bay, Hong Kong Location Estate Office/Estate Management Office/Customer Service Centre Building Management Maintenance Elderly Housing Urban Renewal Others Housing Society Exhibition Centre Location General Enquiries Title Contact General Enquiry Tel: (852) 2882 1717 Online Enquiry Form: Enter...

Website three housing application differences between Hong Kong Housing Authority (HA) and Hong Kong Housing Department (HD)...

Can you apply for a mortgage on a haunted house? - Comprehensive analysis 1. What is a haunted house? 1.1 Definition of haunted house: cultural and psychological impact 1.2 Market impact of haunted house 2. Basic principles of mortgage and its relationship with haunted house 2.1 How mortgage works 2.2 Potential impact of haunted house on mortgage 3. Legal aspect: relationship between haunted house and mortgage 3.1 Hong Kong law on haunted house 3.2 Property ownership and mortgage qualification 4. Bank policy and haunted house mortgage 4.1...

Comprehensive Home Contents Insurance Lump sum cash payout Upgrade home beautification protection Worldwide coverage Comprehensive personal effects and valuables protection Basic information Address: 7/F, One Island East, 18 Westlands Road, Hong Kong East, Hong Kong Tel: +852 3666 7033 Email: ...

Basic Information Address: 54/F, Hopewell Centre, 183 Queen's Road East, Wan Chai, Hong Kong Tel: +852 2839 6333 Email: ...