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標題: 大家有無轉按銀行好 rate 介紹? [打印本頁]

作者: saga 時間: 2010-2-23 20:07:53 標題: 大家有無轉按銀行好 rate 介紹?

想緊轉按睇下慳唔慳到息, 當然都會整封信俾銀行要求減息

大家有無轉按 or 縮減年期?
如果剩返約八十萬按揭, 只想供多 15 年 , 有無邊間銀行會承做好既 P- rate or H+ rate?

好多新造按揭都要求借 100 萬先有好 rate ...

作者: 一家四口 時間: 2010-2-24 09:25:40

本帖最後由一家四口於 2010-2-24 09:27 編輯

擒日我剛有家人問過幾間銀行, 中銀最低 P-2.975 or H+0.7, 兩年罰息期, 但有1%現金回贈, 即實際扣一年。
(比NCB, 渣打, 恆生, 永亨抵, 但以上係新做按揭, 貸款額剛過100萬, 以上只可給你參考)

作者: Winnie the Pooh 時間: 2010-2-24 09:49:25

你試吓問吓東亞吖.

佢係P-3.25
Cash Reate: 1% of loan amount
Full Prepayment: 1st year: 1.5% of loan amount / 2nd year: refund cash rebate / 3rd year: refund 50% cash rebate
Parial Prepayment: within first 3 years: 1% on partial prepayment amount.
Min loan amount: $0.8M

Or Hibor + 0.65% (Capped at P-2.8%)
Cash Rebate: 0.7% of loan amount.
Full prepayment: 1st year: 1% / 2nd & 3rd year: 0.7% of loan amount
Parital Prepayment: within 1st 3 years: 0.7% of parital prepayment amount.
Min loan amount: $0.8M

作者: Lucio 時間: 2010-2-25 10:44:08

問過律師話渣打個rate好似唔錯, hybo黎既, 短期供都有so, 試下問下吖。
東亞都問過, 可惜我做果時幫我果個手腳慢, 搞到d時間好忟…

作者: saga 時間: 2010-3-3 14:25:13

Thanks for information
東亞的好像不錯

另外, 想搵間平既律師樓搞轉揭
(On list for 東亞, 匯豐)

大家有無用開邊間好介紹? 收幾多錢到?
因為要話俾銀行聽用邊間律師樓搞按揭, 轉按

作者: saga 時間: 2010-3-4 10:38:26

大家有無用過以下任一間? any comment?

葉謝鄧律師行
謝偉俊律師行 XD
譚日明律師行
錢志庸律師行
譚英傑律師行

作者: BEH 時間: 2010-3-6 14:58:51

葉謝鄧律師行 <--- d服務麻麻地

作者: 維也納 時間: 2010-3-13 12:17:06

本帖最後由維也納於 2010-3-19 16:00 編輯

要小心有些銀行用既係大P, 即係P=5.25, 渣打, 永亨, 交通, 花旗, 上商都係用大P

東亞同永亨都係我問過個rate最靚既

我都會轉按, 應該會比而家每月供多少少, 供多十五年

你試吓問吓東亞吖.

佢係P-3.25
Cash Reate: 1% of loan amount
Full Prepayment: 1st year: 1.5% of loan amount / 2nd year: refund cash rebate / 3rd year: refund 50% cash rebate
Parial Prepayment: within f ...
Winnie the Pooh 發表於 2010-2-24 09:49

作者: complainsmall 時間: 2010-4-27 16:44:09

譚日明律師行 <-- 呢間做過, 好唔店, 次次打親電話上去, 個分行經理同佢d Staff 都係趕住收線

作者: moonmoon 時間: 2010-4-28 12:20:51

葉謝鄧律師行 <--------- 上次做錯所有野，即場同我從新做過。

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