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政府推出左800萬樓下既樓可以有9成按揭,1000萬樓下既樓可以有8成按揭。雖然首期係少左,但係入息同埋壓力測試你估真係咁易過咩。 如果想用9成按揭買800萬既樓,就算唔洗過壓力測試,都要$60,354 入息要求。真係唔係咁容易。好多人都會話用聯名買咪可以易d 過入息要求lor 。 的確聯名係可以解決個人入息唔夠既問題,但係如果用聯名去買,日後就冇得再用首次置業免稅優惠。其實都可以用‵擔保人′ 去買樓的。

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