Would unauthorized building works affect the approval of a mortgage for a village house?
有僭建会否影响村屋按揭批核？
This depends on the extent of the unauthorized building works. Before approving a mortgage for a village house, the bank will arrange for a property inspection, and if unauthorized building works are discovered, the bank will assess the "resetting fee" to restore the property to its original condition. If the resetting fee is not significant, some banks may not deduct it, and the applicant may be required to sign an agreement to bear the cost of demolition. However, if the unauthorized building works are severe, the mortgage application may still be rejected.
这视乎僭建情况而定，在批核村屋按揭前，银行会安排验楼，假如发现有僭建物，银行会评估“重置费”，即还原僭建的费用，假如重置费不高，某些银行可能会不扣除，而申请人可能会被要求签署协议，由申请人承担清拆费用，惟严重改建的话，仍然有可能会被拒批按揭。