柏傲莊 The Pavilia Farm Preferential Mortgage Plan

	Preferential Mortgage Plan
Rate	As low as H+1.35% (cap 2.50%)
Net Rate (p.a.)	As low as 1.76%*
Loan-to-Value Ratio	up to 90%
Loan Tenor	30 years
Cash Rebate	up to 1.0%

---

Vendor Payment Terms：

Payment Plan	Payment detail	Discount	Loan-to-Value Ratio
A1. 180-day Cash Payment Plan	1. The preliminary deposit equivalent to 5% of the purchase price 2. 5% of the purchase price being further deposit within 30 days 3. 90% of the purchase price within 180 days.	3.5%	up to 80%*
A2. 420-day Cash Payment Plan	1. The preliminary deposit equivalent to 5% of the purchase price 2. 5% of the purchase price being further deposit within 30 days 3. 90% of the purchase price within 420 days.	2%	up to 60%#
A3. Stage Payment Plan	1. The preliminary deposit equivalent to 5% of the purchase price 2. 5% of the purchase price being further deposit within 30 days 3. 90% of the purchase price within 14 days.	The Price	up to 90%^
B1. The Pavillia Farm 420-day Cash Payment Plan（Only applicable to specific units）	1. The preliminary deposit equivalent to 5% of the purchase price 2. 5% of the purchase price being further deposit within 180 days 3. 90% of the purchase price within 420 days.	2%	up to 60%#
B2. The Pavillia Farm Stage Payment Plan（Only applicable to specific units）	1. The preliminary deposit equivalent to 5% of the purchase price 2. 5% of the purchase price being further deposit within 180 days 3. 90% of the purchase price within 14 days.	The Price	up to 90%^

* 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 Price	Discount
1. Privilege for 「New World CLUB」 member	3%
2. Stamp Duty Benefit	8.5%
3. Prestige Home Purchase Benefit	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%.

# For properties under construction with property value below HK$4.5 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$3.6 million, whichever is lower. If the 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

Read more‥‥

---

---

More mortgage tips:

---