THE PAVILIA FARM III Special mortgage offers

	THE PAVILIA FARM III Special mortgage offers：
Rate	As low as H+1.30% (cap2.50%) *With Deposite Linked
Net Rate (p.a)	As low as 1.39%^
Loan-to-Value Ratio	Up to 90%
Loan Tenor	up to 30 years
Cash Rebate	Up to 1.4%

#For free professional mortgage services, please feel free to contact us:（WHATSAPP: 9608 3114）
**The above information is for reference only, and subject to the latest announcement of HKMA & HKMC.

THE PAVILIA FARM III Vendor Payment Terms：

Payment Plan	Payment Details	Discount
A1. 180-day Cash Payment Plan	A preliminary deposit：5% Within 30 days after signing of the preliminary agreement：5% Within 180 days after signing of the preliminary agreement：90%	3.5%
A2. 420-day Cash Payment Plan	A preliminary deposit：5% Within 30 days after signing of the preliminary agreement：5% Within 420 days after signing of the preliminary agreement：90%	2%
A3. Stage Payment Plan	A preliminary deposit：5% Within 30 days after signing of the preliminary agreement：5% Within 14 days after the date of the notification to the Purchaser：90%	The Price
(C1) Premium The Pavilia Farm 420-day Cash Payment Plan (Only applicable to some flats)	A preliminary deposit：5% Within 210 days after signing of the preliminary agreement：5% Within 420 days after signing of the preliminary agreement：90%	2%
(C2) Premium The Pavilia Farm Stage Payment Plan (Only applicable to some flats)	A preliminary deposit：5% Within 210 days after signing of the preliminary agreement：5% Within 14 days after the date of the notification to the Purchaser：90%	The Price

THE PAVILIA FARM III Discount	Discount
1. Privilege for 「New World CLUB」 member	3%
2. Stamp Duty Benefit	8.5%
3. Prestige Home Purchase Benefit	5%

** The above information is for reference only, for further information please refer to the sales brochure for the Development。

# 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

For more information, please visit Ricacorp website

Ricacorp Mortgage Agency provide one-stop mortgage referral services including free referrals, personalised advice on mortgage choices and end-to-end mortgage application service.

Contact us by phone or whatsapp anytime
Service Hotline: 2836 6121 / 2836 6183
WHATSAPP: 9608 3114
Email: mortgage@ricacorp.com

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