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北京天安门爱我

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leonlmf

you can get pre approve first, the bank will keep the rate for 3 months

吃菜的小猪

如果你有贷款的broker得话就跟broker谈，不过一般你谈完了以后，broker也要跟银行谈，就是说会多一个步骤，反正都是基本一致的，我个人认为还是直接找银行不找broker比较好~~

不过好像一般都会先拿到预批以后才会看房子得吧，要不然如果你看得房子已经超过了你本身应该能贷款得额度得话，那不就很麻烦?都是先拿到预批心里有底了再看相应价格区间得房子比较好~

[ 本帖最后由 吃菜的小猪 于 2009-9-16 15:02 编辑 ]

陌生的香港人

I dont understand what does LIM report have to do with the bank loan.

You can get a LIM report (do u know what LIM report is about by the way?) from council (dont need to be done by your lawyer) any time you like; and you can also talk to the bank anytime too for the best package - there is actually no necessary relationship between both.

[ 本帖最后由 陌生的香港人 于 2009-9-16 15:02 编辑 ]

阿海

Step by step of buying your house:

1) get loan pre-approval from bank (either going to Mortgage Broker or through bank)

2) search for a house with in the budget allowed in the pre-approval, ie 20% deposit, 400k max loan, and conditions of pre-approval

3) Once you find your dream house, either:
a) make an offer with the real estate agent, or;
b) check LIM report with Council, get a builder's inspection, then do a)

4) Once your offer has been accepted, your real estate agent will fax the Sales & Purchase agreement to your solicitor.

5) go talk to your bank, and give them the Sales & Purchase agreement

6) once the finance has been approved, your solicitor will be in touch

7) complete final inspection on the house with the agent

8) sign documents and transfer money via your solicitor's instructions on or before settlememt date

8) after all this, get the key from the agent, and enjoy your new house!

huang311

阿海老手啊!!!投资理财上向你学习!