Mortgage Plan From Bank:
| Preferential Mortgage Plan | |
| Rate | As low as H+1.30% (cap 2.50%) *Enjoy Mortgage-Link Account |
| Net Rate (p.a.) | As low as 1.42%* |
| Loan-to-Value Ratio | up to 90% |
| Loan Tenor | 30 years |
| Cash Rebate | up to 1.2% |
Vendor Payment Terms：
| Payment Plan | Payment detail | Discount |
| A. 120-day Payment Plan | 1. The preliminary deposit equivalent to 5% of the purchase price 2. 95% of the purchase price within 120 days. | 8% |
| B. 360-day Payment Plan | 1. The preliminary deposit equivalent to 5% of the purchase price 2. 5% of the purchase price being further deposit within 120 days 3. 90% of the purchase price within 360 days. | 5% |
| C. Easy Payment Plan | 1. The preliminary deposit equivalent to 5% of the purchase price 2. 5% of the purchase price being further deposit within 120 days 3. 90% of the purchase price within 14 days. | 5% |
| D. Easiest Mortgage Payment Plan | 1. The preliminary deposit equivalent to 5% of the purchase price 2. 95% of the purchase price within 120 days. | 4.5% |
| E. Stage Payment Plan | 1. The preliminary deposit equivalent to 5% of the purchase price 2. 5% of the purchase price being further deposit within 120 days 3. 90% of the purchase price within 14 days. | 1% |
Mortgage Plan From Vendor :
| First Mortgage Loan (Plan D) | |
| Rate | P-2.75% (P=5.25%) |
| Loan Amount | not exceed 70% of the Purchase Price |
| Loan Tenor | ▲ not exceed 25 years |
* For more details please contact us. （WHATSAPP: 9608 3114）
** The above information is for reference only, and subject to the latest announcement of HKMA & HKMC.
| In addition to the corresponding discount on the Price | Discount |
| 1. Subsidy of Stamp Duty Benefit | 10.5% |
| 2. “nf HOMES” Facebook Page Likers’ or “nf HOMES” Instagram Page Followers’ Discount Benefit | 1% |
| 3. Early Bird Discount Benefit | 1% |
^ For completed residential properties with property value below HK$9 million, the maximum loan amount shall either be (a) calculated at the maximum LTV ratio of 80% and up to 90% or (b) capped at HK$7.2 million, whichever is lower. If the property value is at or above HK$9 million (up to the cap of HK$10 million), the maximum loan amount shall be calculated at the maximum LTV ratio of 80%. If the property value is at or above HK$10 million, the maximum loan amount shall be calculated at the maximum LTV ratio of 50%
# For properties with property value is at or above HK$4.5 million (up to the cap of HK$6 million), the maximum loan amount shall be calculated at the maximum LTV ratio of 80%. If the property value is at or below HK$10 million, the maximum loan amount shall be calculated at the maximum LTV ratio of 60%, the property value is above HK$10 million, the maximum loan amount shall be calculated at the maximum LTV ratio of 50%.
You can refer to the “Maximum LTV Ratio” of the HKMCI website for details.
http://www.hkmc.com.hk/eng/our_business/mortgage_insurance_programme.html
Contact us by phone or whatsapp anytime
Service Hotline: 2836 6121 / 2836 6183
WHATSAPP: 9608 3114
Signal: 9608 3114
Email: mortgage@ricacorp.com
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