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Squarefoot eMagazine 245

ORIX also had a few other clauses that differ from banks. If I paid off my loan within the first two years, there is a penalty of a certain percentage on the original loan amount. Ditto for early partial repayments; for example, from the third year onwards, the penalty is a fixed $2,000 for every partial repayment. In comparison, most banks allow for partial repayments without penalty after the first year that the loan is in place. ORIX also charges for the valuation fee of the property, while banks will usually waive that fee. After I submitted all the same documents I gave to my bank, Josephine asked me to also provide some photos of the site. She was able to make me an offer within a couple of days, while Simon took 10 working days to finalise his. In the end, I went with my bank, as the lower interest rate was the more sensible choice. But I’m glad I had the reassurance of Plan B in my back pocket. 有些地區如加拿大,銀行和信貸公司所收取的 利率只相差1%至2%,而歐力士和其它類似的 信貸公司則會收取最優惠利率或最優惠利率加 1%,可高達5.25%,比很多大型銀行就置業 按揭貸款所收取的利率高出3%至4%,按這個 利率計算,假設一個少於700萬港元的物業, 申請為期20年的按揭貸款,以及一筆價值比 率為60%的貸款,這個利率相等於要買家每個 月額外多付5,000至7,000元。雖然每個月要多 付5,000元的確是一個很大的負擔,但我要購 買一個理想的家的決心戰勝了一切,即使有相 關的罰款也在所不惜。 此外,歐力士也有一些與銀行不同的條款, 例如,如果我在首兩年內還清貸款或提前部 分還款,我將會被罰款,金額為原來貸款金 額的特定百分比;例如,從第三年起,每一 個提前償還部份的定額罰款為$2,000。相 比之下,大多數銀行均容許貸款者於貸款批 出一年後償還部份債項而不會罰款。歐力士 還會收取物業估價費,但銀行通常會豁免該 費用。 我按照之前提交給銀行的文件,提交了一套 一式一樣的文件給歐力士,Josephine要求 我提供一些現場的照片,她就可以於幾天內 向我報價,而Simon則用了10個工作天來完 成他負責那部份的工作。最後,我還是選擇 了透過銀行進行按揭貸款,因為較低的利 率始終是較為明智的選擇。不過正所謂有備 無患,我仍然會為當時實行了B計劃而感到 高興。 Focus 市場焦點 14 Squarefoot.com.hk squarefoot.com.hk @hk_squarefoot Squarefoot.com.hk @squarefoot.com.hk squarefoot 香港房地產物業指南


Squarefoot eMagazine 245
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