What is the longest mortgage term for a subdivided unit?
㓥房按揭最长可以做几多年？
Apart from the applicant's financial standing, employment, and mortgage situation, the age and location of the subdivided unit are important factors to consider. If the property is in an older building, the applicant should be aware of its age, as the loan-to-value ratio for the subdivided unit mortgage may decrease with the building's age. Generally, banks calculate the maximum mortgage term by subtracting the building's age from 80, such as 80 minus 55, resulting in 25. In this case, the longest mortgage term available would be 25 years.
除了申请人财务、工作、按揭情况等等，㓥房楼龄及地区都是需要留意的因素。如果做成㓥房的物业楼龄较大，申请人就需要留意楼龄，因为楼龄大，㓥房按揭成数会相对减少，一般银行会以80减楼龄计算，如80减55，结果是25，那最多可以做25年按揭。