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Squarefoot eMagazine 245

Alternate mortgage lenders can offer a back-up option if the banks turn your loan down 銀行以外 按揭貸款新出路 Plan | Text : Rebecca Lo | photo : www.istockphoto.com | B B 計劃Focus 市場焦點 I t was a scary time. With the help of my real estate agent Martin, I finally found a home after an 18-month search. Martin determined that I was in a bidding war with two other prospective buyers, so I raised my offer and gave them a hefty deposit to seal the deal. Then I got the bad news: my bank told me to have a Plan B because my chances of getting a mortgage were not looking good based on my tax receipts. That statement led to many sleepless nights. To buy a home in Hong Kong, a provisional agreement for sale and purchase must be in place and signed by both the seller and buyer before any bank will consider a loan. By this time, I had already forked out the initial deposit. Yet if my likelihood of repayment did not meet a bank’s approval – and this approval process could take up to two weeks – I would be out my initial deposit. If the bank takes longer to decide, I could also be out the interim payment, which is due about two weeks after the initial deposit. And, since I was the one breaking the deal, I would be responsible for paying a double penalty (or double the amount of the initial deposit) to the seller, plus double my agent’s commission. 當我苦尋了18個月,仍然未找到合心意 的居所時,真的感到十分徬徨。最後 在房地產經紀Martin的幫助下,我終於找到 了一個家。由於Martin知道當時正有兩個潛 在買家打算與我展開競購戰,因此我提出了 一個定價,並繳付一筆巨額款項作為訂金, 以完成這項交易。其後,我收到了一個壞消 息,銀行告訴我,按照我的稅收而言,我獲 得抵押貸款的機會很微, 這個消息令我多晚失眠。要在香港置業,買 賣雙方必須在銀行審批貸款前,簽訂臨時買 賣合約。但在這個時候,我已經繳付了首期 訂金。然而,如果我的還款能力沒有達到銀 行認可的標準,而這個審批過程可能需要長 達兩個星期才完成,但首期訂金已付。如果 銀行需要更長的時間來審批,而須於繳付首 期訂金後兩星期內繳付的中期付款的限期又 到了,但由於我無法於限期內完成交易,因 此我需要向賣家支付雙重罰款﹙或雙倍首期 訂金﹚,再加上一倍我經紀的佣金。 這肯定是一個兩難的局面,幸好我的銀行經 理Simon提醒我要謹慎一點,我實在非常感 激他。其實我的情況並不罕見﹕我是在家中 獨資經營小生意的,雖然我一直努力地開源 節流,但基於我的工作性質,大部份的開支 其實也屬於生活費的一部份。情況與保險經 紀相似,由於他們的工作需要經常與客人互 動接觸,因此花費在吃飯、旅遊和服裝上的 費用亦不少。 12


Squarefoot eMagazine 245
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