Mortgage Plan From Bank:

Preferential Mortgage Plan
RateAs low as H+1.30% (cap 2.50%)
*Enjoy Mortgage-Link Account
Net Rate (p.a.)As low as 1.44%*
Loan-to-Value Ratioup to 90%
Loan Tenor30 years
Cash Rebateup to 1.0%
*H : 1 month HIBOR Rate (2021.01.08: 0.135%)

Vendor Payment Terms:

Payment PlanPayment detailDiscount
A. 180-day Cash Payment Plan1. The preliminary deposit equivalent to 5% of the purchase price
2. 95% of the purchase price within 180 days.
5%
A1. 180-day Easy First Mortgage Loan Payment Plan1. The preliminary deposit equivalent to 5% of the purchase price
2. 95% of the purchase price within 180 days.
4%
A2. 180-day Flexible First Mortgage Loan Payment Plan1. The preliminary deposit equivalent to 5% of the purchase price
2. 95% of the purchase price within 180 days.
4%
A3. 180-day standby Second Mortgage Loan Payment Plan1. The preliminary deposit equivalent to 5% of the purchase price
2. 95% of the purchase price within 180 days.
4%
B. Dream House Investment with 360-day Cash Payment Plan1. The preliminary deposit equivalent to 5% of the purchase price
2. 5% of the purchase price being further deposit within 120 days
3. 90% of the purchase price within 360 days.
3.5%
B1. Dream House Investment with 360-day Easy First Mortgage Loan Payment Plan1. The preliminary deposit equivalent to 5% of the purchase price
2. 5% of the purchase price being further deposit within 120 days
3. 90% of the purchase price within 360 days
2.5%
B2. Dream House Investment with 360-day Flexible First Mortgage Loan Payment Plan1. The preliminary deposit equivalent to 5% of the purchase price
2. 5% of the purchase price being further deposit within 120 days
3. 90% of the purchase price within 360 days
2.5%
B3. Dream House Investment with 360-day Standby Second Mortgage Loan Payment Plan1. The preliminary deposit equivalent to 5% of the purchase price
2. 5% of the purchase price being further deposit within 120 days
3. 90% of the purchase price within 360 days
2.5%
C. Make Home Easy with Flex-480 Payment Plan1. The preliminary deposit equivalent to 5% of the purchase price
2. 5% of the purchase price being further deposit within 120 days
3. 90% of the purchase price within 480 days
3%
C1. Make Home Easy with Flex-480 Standby Second Mortgage Loan Payment Plan1. The preliminary deposit equivalent to 5% of the purchase price
2. 5% of the purchase price being further deposit within 120 days
3. 90% of the purchase price within 480 days
2%
D. Stage Payment Plan1. The preliminary deposit equivalent to 5% of the purchase price
2. 5% of the purchase price being further deposit within 60 days
3. 90% of the purchase price within 14 days.
1.5%
D1. Stage Standby Second Mortgage Loan Payment Pan1. The preliminary deposit equivalent to 5% of the purchase price
2. 5% of the purchase price being further deposit within 60 days
3. 90% of the purchase price within 14 days.
0.5%

* For more details please contact us. (WHATSAPP: 9608 3114
** The above information is for reference only, and subject to the latest announcement of HKMA & HKMC.

In addition to the corresponding discount on the PriceDiscount
1. Privilege for「Club Wheelock」member 1%
2. Early Bird Purchase Discount1%
3. “Wheelock Living” Facebook Page Likers’ Discount1%
4. “Kowloon Station Today Kai Tak Tomorrow” Discount1%
5. Seaside living at KAI TAK HARBOUR Discount1%
6. Glimpsing a Bright Future of Kai Tak Discount1%
7. Starting a fabulous newlywed life in Kai Tak Discount1%
8. Stamp Duty Discount8.5%
9. Wheelock Group Home Purchasing Discount2.5%

^ For completed residential properties with property value below HK$9 million, the maximum loan amount shall either be (a) calculated at the maximum LTV ratio of 80% and up to 90% or (b) capped at HK$7.2 million, whichever is lower. If the property value is at or above HK$9 million (up to the cap of HK$10 million), the maximum loan amount shall be calculated at the maximum LTV ratio of 80%. If the property value is at or above HK$10 million, the maximum loan amount shall be calculated at the maximum LTV ratio of 50%

# For properties with property value is at or above HK$4.5 million (up to the cap of HK$6 million), the maximum loan amount shall be calculated at the maximum LTV ratio of 80%. If the property value is at or below HK$10 million, the maximum loan amount shall be calculated at the maximum LTV ratio of 60%, the property value is above HK$10 million, the maximum loan amount shall be calculated at the maximum LTV ratio of 50%.

You can refer to the “Maximum LTV Ratio” of the HKMCI website for details. 
http://www.hkmc.com.hk/eng/our_business/mortgage_insurance_programme.html

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Contact us by phone or whatsapp anytime
Service Hotline: 2836 6121 / 2836 6183
WHATSAPP: 9608 3114

Why choosing Ricacorp Mortgage Agency?

RicaMortgage Pro APP provides one stop mortgage support, tools and services to help you find out which mortgage loans that best suits your financial situation.


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