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method to the bank

belonging to the nation 於 2018年12月20日發表   人氣:136


  Why a 98-year-old homebuyer is laughing her method to the bank

  Though most young Hongkongers have specified up on purchasing their particular house, a 98-year-old mom felt that it?ˉs about time she acquired her personal flat.

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  The old woman showed up for the profits office of Grand Central period 1 in Kwun Tong, which Sino Land Co. Ltd. released on Tuesday, and purchased a three-bedroom flat inside the new household estate for approximately HK$15 million, the Hong Kong Economic Journal reviews.

  It?ˉs rarely that we see folks of superior yrs invest in these types of a costly flat.

  It seems that the woman acquired it not for herself but for her son.

  According to estate agent Midland Realty, the girl has no assets underneath her identify.

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  Underneath current regulations, she only demands to pay a buyer stamp tax of three.seventy five per cent based mostly about the price of the flat like a first-time homebuyer.

  Experienced her son, who already owns a flat, bought a similar house in his title, he would have to pay for a double stamp responsibility of 15 %.

  The brand new tax routine was instituted by the govt to prevent speculators from further boosting property prices to levels unaffordable to first-time homebuyers.

  Midland Realty says she should pay back a stamp tax of about HK$562,five hundred, that's affordable ample due to the fact the amount would have been HK$2.25 million in the event the purchaser was the son himself.

  Quite simply, the son saved much more than HK$1.sixty eight million as a result of his mother.

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  Now, would a nonagenarian have the ability to get out a house loan with the flat?

  Sharmaine Lau, main vice-president of mReferral House loan Brokerage Expert services, suggests an elderly homebuyer can nonetheless get a property finance loan from the lender provided that the customer along with a borrower jointly apply for the loan, as well as the borrower guarantees to pay for it.

  In the meantime, a 92-year-old gentleman also purchased a flat at Grand Central.

  While their conditions could seem rare, Lau claims it can be really normally that we see mothers and fathers obtaining properties within the identify of their children, incorporating that these circumstances now account for around 12 per cent of all house transactions this calendar year, up from 9 % last calendar year.

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相關文章:

rate increase

property finance

approach to the financial

possibilities of obtaining

homebuyer is laughing

 


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