Mortgage Services
How do Hong Kong banks calculate the Deposit Service Deposit Ratio (DSR) when approving mortgages? Example: To purchase a residential unit worth NT$1,450,000, what is the income requirement? Summary of basic parameters Table Notes Definition and calculation of DSR Key factors affecting DSR How to deal with DSR limitations? Key factors affecting DSR Limitations of DSR How to improve DSR? The suggestion is the Debt Servicing Ratio (DSR) Debt Servicing Ratio (Debt Servicing Ratio,...
Basic InformationService ScopeIntroductionBasic InformationAddress: Click HereTel: 2309 5555 (Customer Service)Email: [email protected]: https://www.cmbwinglungbank.com/wlb_corporate/hk/personal/mortgage-loan/index.htmlService ScopeGeneral Residential Mortgage Plan...
Insufficient income or insufficient stability Poor credit score Property valuation or type problems Unknown source of down payment funds Failed to pass stress test Policy or administrative factors Applicant background factors Other reasons Solution suggestions Bank of China Insufficient income or insufficient stability Excessive Debt-to-income ratio (DSR): Hong Kong banks usually require monthly payments ≤...