tag:blogger.com,1999:blog-5164580522096853953.post1604481618191308685..comments2024-03-27T12:07:25.797+08:00Comments on Poor Guy HK Blog: HIBOR plan 實戰攻略PGHKhttp://www.blogger.com/profile/07590594393150503039noreply@blogger.comBlogger16125tag:blogger.com,1999:blog-5164580522096853953.post-38359329975936912232012-06-15T15:30:31.933+08:002012-06-15T15:30:31.933+08:00一轉息, 銀行就會同你計+餘下期數一轉息, 銀行就會同你計+餘下期數PGHKhttps://www.blogger.com/profile/09243152030370130699noreply@blogger.comtag:blogger.com,1999:blog-5164580522096853953.post-46166112199397086572012-06-15T15:17:45.754+08:002012-06-15T15:17:45.754+08:00anyone have excel to calculate hibor monthly payme...anyone have excel to calculate hibor monthly payment (not constant payment)? including P, I and P+I formula? Thanks!Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-5164580522096853953.post-34380623525249934312009-07-13T22:50:17.861+08:002009-07-13T22:50:17.861+08:00呢個叫優惠plan??
cap = P-1.75, 有睇pghk就知一o的都唔低啦
渣打推優惠搶領...呢個叫優惠plan??<br />cap = P-1.75, 有睇pghk就知一o的都唔低啦<br /><br />渣打推優惠搶領都客[18:18] 2009年7月13日<br />長實旗下將軍澳康城站領都,渣打銀行公布提供一項首三年銀行同業拆息加零之按息安排。<br /><br />計劃中首年免供利息,至於第三年後按息率為同業拆息加0.85厘,利率上限則設於優惠利率減1.75厘;有關按揭計劃不設罰息期,最高貸款樓價九成半,以及提供高息存款安排。<br /><br />長實地產投資董事黃思聰指出,該項目於本周開售,且會跟足賣樓指引,新盤售樓書亦沒有問題。PGHKhttps://www.blogger.com/profile/09243152030370130699noreply@blogger.comtag:blogger.com,1999:blog-5164580522096853953.post-78354015253741065162009-06-11T16:30:06.332+08:002009-06-11T16:30:06.332+08:00我諗住用交行既p plan啦~
http://www.mpfinance.com/htm/Fina...我諗住用交行既p plan啦~<br /><br />http://www.mpfinance.com/htm/Finance/20090611/News/ea_eaa1.htm<br /><br />--> 交銀香港今日起調整一系列按揭利率,最矚目的莫過於全期P減3.25厘的私人住宅推廣計劃,即實際按息2厘,現金回贈最多1%,罰息期3年。計劃要求客戶貸款額最少150萬元,並須在8月31日前提取貸款及設有限額。Unknownhttps://www.blogger.com/profile/04938982693623522165noreply@blogger.comtag:blogger.com,1999:blog-5164580522096853953.post-7121962907945908472009-06-11T15:36:55.309+08:002009-06-11T15:36:55.309+08:00其實睇你自已,HIBOR比P低但風險高, 睇個CAP做人啦
恒X銀行就唔好試啦,服務其差,同個OF...其實睇你自已,HIBOR比P低但風險高, 睇個CAP做人啦<br /><br />恒X銀行就唔好試啦,服務其差,同個OFFER又差P-2.5,個Staff食住下午茶同你傾,我真係覺得好似求佢咁多過似佢個客. 可能我唔到5milAnonymousnoreply@blogger.comtag:blogger.com,1999:blog-5164580522096853953.post-17422461707741278922009-06-06T15:50:52.470+08:002009-06-06T15:50:52.470+08:00逐間又再問過
地產果邊呢, 都係老調子, 話H唔知會低水到幾時. 咁又係, 唔知捱唔捱到多一兩年....逐間又再問過<br /><br />地產果邊呢, 都係老調子, 話H唔知會低水到幾時. 咁又係, 唔知捱唔捱到多一兩年...<br /><br />銀行方面, 主打問返p, 暫時匯豐最抵, P(5%)-2.9, 中銀就P(5%)-2.85. 匯豐平少少, 但點解中銀多d人用... 唔明白<br /><br />宜家想等埋經絡果邊既回覆, 睇睇仲有無soUnknownhttps://www.blogger.com/profile/04938982693623522165noreply@blogger.comtag:blogger.com,1999:blog-5164580522096853953.post-80581491732042928962009-06-06T15:00:48.855+08:002009-06-06T15:00:48.855+08:00所以個cap都好重要. 如果果日hibor 升到300, 而家高過P-x.x% rate,咁就用ca...所以個cap都好重要. 如果果日hibor 升到300, 而家高過P-x.x% rate,咁就用cap個個rate計, 如果hibor長期高企, 銀行一定會升prime, 用prime rate一樣會加息PGHKhttps://www.blogger.com/profile/09243152030370130699noreply@blogger.comtag:blogger.com,1999:blog-5164580522096853953.post-39444335237209960082009-06-06T10:16:27.296+08:002009-06-06T10:16:27.296+08:00萬一出現一次hibor 急升300 厘,咁問你點算呢?萬一出現一次hibor 急升300 厘,咁問你點算呢?Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-5164580522096853953.post-25039372872425751902009-06-05T22:15:21.442+08:002009-06-05T22:15:21.442+08:00SCB(渣打)
Plan A: Hibor+0% (P-1.5 / 1.75%) for the f...SCB(渣打)<br />Plan A: Hibor+0% (P-1.5 / 1.75%) for the first 3 years, thereafter Hibor + <br />0.7% Cap (P-1.5% / 1.75%)<br /><br />1. 0.7% handling fee for the first 3 years<br />2. cash rebate (depends on cases)<br />3. No prepayment penalty (NO prepayment penalty)<br /><br />Plan B: Hibor+0.8% (P-1.5%/1.75%)<br />1. around 0.3% cash rebate<br />2. Prepaymenty Penalty: 3% for the 1st year , 2% for the 2nd year , 1% for <br />the 3rd year<br /><br />DBS (星展) (loan size need over 2M)<br />Hibor+0.8% (P-2.25%)<br />1. around 0.5 % cash rebate<br />2. Prepaymenty Penalty: 2% for the 1st year , 1% for the 2nd year , 1% for <br />the 3rd year<br /><br />Bank of Communication (交通) (loan size need over 2M)<br />Hibor+0.78% (P-2.25%)<br />1. around 0.1 % cash rebate<br />2. Prepaymenty Penalty: 1% for the 1st year , 0.75% for the 2nd year ,0.5% <br />for the 3rd year<br /><br />China Construction Bank(建行)<br />3個月Hibor+0.7% (P-2.7 %)<br />1. around 0.5 % cash rebate<br />2. Prepaymenty Penalty: 2% for the 1st year , 1% for the 2nd year , 1% for <br />the 3rd year<br /><br /><br />P Plan<br />Wing Hang (永亨)<br />Fixed 1.8% for the first years, thereafter P-3.05% (2.2%)<br />1. 0.8% cash rebate<br />2. Prepayment Penalty of the above plans : 2% for the 1st year , 1% for the <br />2nd year , 1% for the 3rd year<br /><br />Bank of China (中銀)<br />P-2.8% (2.2%)<br />1. 1% cash rebate<br />2. Prepayment Penalty of the above plans : 2% for the 1st year, 1% for the <br />2nd year<br /><br />Nanyang Commercial (南洋)<br />P-2.8% (2.2%)<br />1. 1% cash rebate<br />2. Prepayment Penalty of the above plans : 2% for the 1st year, 1% for the <br />2nd year<br /><br />HSBC(匯豐)<br />P-2.8% (2.2%)<br />1. 1% cash rebate<br />2. Prepayment Penalty of the above plans : 2% for the 1st year, 1% for the <br />2nd yearPGHKhttps://www.blogger.com/profile/09243152030370130699noreply@blogger.comtag:blogger.com,1999:blog-5164580522096853953.post-50218275644189834032009-06-05T21:49:27.011+08:002009-06-05T21:49:27.011+08:00今日既東方:
http://orientaldaily.on.cc/cnt/finance/2009...今日既東方:<br />http://orientaldaily.on.cc/cnt/finance/20090605/00202_013.html<br /><br />"工銀亞洲減息15至25點子,實際按息降至2.25至2.45厘,律師費津貼最多達貸款額1%,H計劃則延長至首兩年一個月期H加0.8厘,其後P減2.9厘。"<br /><br />呢個好似唔錯喎!Unknownhttps://www.blogger.com/profile/04938982693623522165noreply@blogger.comtag:blogger.com,1999:blog-5164580522096853953.post-26469427946166548942009-06-05T15:22:17.125+08:002009-06-05T15:22:17.125+08:00of cos bank has rebate to themof cos bank has rebate to themPGHKhttps://www.blogger.com/profile/09243152030370130699noreply@blogger.comtag:blogger.com,1999:blog-5164580522096853953.post-38646240045006225062009-06-05T15:07:57.839+08:002009-06-05T15:07:57.839+08:00麻煩哂你呀poorguy!
啱啱搵資料, 見到經絡按揭既link就去睇下, 原來係免費的... 唔...麻煩哂你呀poorguy!<br /><br />啱啱搵資料, 見到經絡按揭既link就去睇下, 原來係免費的... 唔明, 咁佢地點維到皮? 唔通成功轉介銀行有佣金比佢地?<br /><br />anyway都可以睇下d資料<br /><br />http://www.mreferral.com/promotion.html#p1Unknownhttps://www.blogger.com/profile/04938982693623522165noreply@blogger.comtag:blogger.com,1999:blog-5164580522096853953.post-5801122942810989662009-06-04T14:15:39.953+08:002009-06-04T14:15:39.953+08:00hi purutaz,
大多數時間hibor 應該都低過 prime rate 因為hibor係成...hi purutaz,<br /><br />大多數時間hibor 應該都低過 prime rate 因為hibor係成本, 所以o的人都唔會特登轉去prime rate計, 所以呢..^_^<br /><br />我都忘記了講罰息期<br /><br />dbs 就三年, 頭1,2年 full payment 3%<br />3 年1%<br /><br />如果partial payment 頭三年都係0.5%<br /><br />其他多數都係3年罰息期<br /><br />匯豐就有1年罰息期 不過佢得primePGHKhttps://www.blogger.com/profile/09243152030370130699noreply@blogger.comtag:blogger.com,1999:blog-5164580522096853953.post-67670777964109266542009-06-04T14:03:58.111+08:002009-06-04T14:03:58.111+08:00Thank you呀~
睇左dbs果個plan
"申請「同業拆息按揭計劃」,手續費全免...Thank you呀~<br /><br />睇左dbs果個plan<br /><br />"申請「同業拆息按揭計劃」,手續費全免。於續期時,你更可自由轉用本行之港元最優惠利率,首次轉換費全免。 "<br /><br />第一次轉plan免費, 都ok既<br />不過唔知再轉既話收費幾多<br /><br />另想問所謂罰息期係咪即係呢段時間都唔可以轉去第二d銀行? 同埋你知唔知轉按揭去其他銀行通常收幾多?Unknownhttps://www.blogger.com/profile/04938982693623522165noreply@blogger.comtag:blogger.com,1999:blog-5164580522096853953.post-28108599179220183232009-06-03T22:24:11.130+08:002009-06-03T22:24:11.130+08:00因為hibor日日都不同,但係銀行都唔會日日同係計. 所以多數set定每個月某一日定供款的rate....因為hibor日日都不同,但係銀行都唔會日日同係計. 所以多數set定每個月某一日定供款的rate. <br />hibor 有時會好波動,真係唔好彩計rate 個個月個日高過p-2.25 (dbs), dbs會同你用p-2.25個rate計供款同利息, 下個月跌反hibor計出黎個rate低過p-2.25, 又用反hibor+0.8% rate.<br /><br />但係留意渣打一hit到個cap p rate, 之後都會用cap rate, 想轉反要俾錢再申請<br /><br />大數情形 hibor 係低過 prime rate, hibor係銀行之間拆借成本, 但係當然有例外 唔講金融風暴, 金融海嘯, 好似有隻好hit新股做ipo, 短期hibor都會抽升 大家要留意。但係呢半年hibor 大多數都係0.1-0.3%, 而prime 就係5%, 銀行食水都深PGHKhttps://www.blogger.com/profile/09243152030370130699noreply@blogger.comtag:blogger.com,1999:blog-5164580522096853953.post-68869048162724178632009-06-03T21:29:18.730+08:002009-06-03T21:29:18.730+08:00我都係唔係好明P同H...
H咁浮動, 咁我咪要成日CHECK住?
同埋用P既話,如果H低d既話可唔...我都係唔係好明P同H...<br />H咁浮動, 咁我咪要成日CHECK住?<br />同埋用P既話,如果H低d既話可唔可以轉PLAN?Unknownhttps://www.blogger.com/profile/04938982693623522165noreply@blogger.com