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買樓花有好處嗎??

在樓市旺時,你不買樓花,你可能買不到你喜歡的新樓盤,或者要付出較高的金錢才能買到你的心頭喜好,到或買樓花有好處or買現成樓會好d??

By martin wong  (graduate) on 2010-01-08  Answers 2   Views 2059

i can answer
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By 88ddbb on 2010-05-02

大部分發展商為鼓勵買家即時上會,一般會給予即供付款之買家樓價優惠折扣,像最近位於大圍的新盤便給予即供買家樓價5%之折扣。購買樓花的業主選擇即供付款,好處是避免了樓價及按息波動的風險,讓業主盡快鎖定按揭息率,目前P基準按揭計劃息率可低至P-3.25%(P現為5.25%),而H掛勾按揭計劃更低至全期H+0.65%,實際按息僅為0.73%。而採用建築期付款方式的業主,可待臨時買賣合約中之預定成交日期前約一個半月,方申請按揭「上會」,財政安排較具彈性,該付款方式因而受到不少樓花投資者的歡迎。惟因近年樓花期的時間由半年甚至長達超過一年不等,在這段較長的樓花期間內,市場或出現變化,例如可能因為樓價下調,以致出現物業估價不足的情況,這將會影響銀行批出按揭貸款的金額,業主最好手頭上預留樓價三成或以上的現金,則會比較穩妥。

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By Linda (graduate) on 2010-02-26

我覺得買樓花就好似一種賭博咁,我建議你唔好做啦。因為樓花係一d

  • 未落成物業;或
  • 發展商首次推出發售的樓盤

自己都未睇過,就咁買樓,有d 兒戲囉

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