新手上車必知! 專家教買一、二手樓步驟 買樓花有著數?高成數按揭點計?幾時同業主講價

文: U Magazine
2023.03.07

UM情侶睇樓都睇咗幾年,趁今年個市跌咗啲佢哋終於準備入手喇!不過...兩個新手入市乜都唔識,梗係要搵返個專家教路解答疑難啦!究竟一手樓同二手樓嘅買賣程序有咩唔同呢?每一個步驟又有咩要注意?高成數按揭原來跟價錢有唔同?為咗穩陣入市,新手買樓前記得睇晒呢篇文啊!

 


今次搵嚟經驗豐富嘅地產代理Johnson Yue解答大家問題,首先講吓相對簡單嘅一手樓流程先。



通常一手樓會分為兩大類︰


一手樓主要有兩種付款方法:



買樓前先要了解咩係按揭!「按揭」即將層樓按給銀行的貸款,通常會在成交前兩至三個月辦理按揭手續。



如想用高成數按揭的話要注意︰



發展商會提供一或二按協助買家上會,但優惠期條款或息率各有不同,要特別留意和了解。



而二手樓程序比較複雜,首先要搵代理物色物業。睇樓前先簽睇樓紙,記得切勿經多間代理睇同一個物業,否則成交後會被同時追收佣金。



雖然望落好複雜,但其實所有步驟會由代理處理。



由於二手樓成交期比一手樓短,所以簽署臨時合約後可即時向銀行申請貸款。另外提提大家︰



簽完臨時買賣合約後的14個工作天內都可以悔約,但「細訂」會被沒收,即俗稱嘅「撻訂」。如果14天後簽埋正式買賣合約先想「撻訂」就要邊買邊賣。另外,除咗撻咗嗰10%訂金之外,原業主有咩其他問題都會追究你,所以買樓前記得要諗清諗楚啊!



【INFO】
香港置業(地產代理)有限公司
余柏 Johnson Yue(大東九/啟德)

text/Yuen
photo/Jay

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