【胡．說樓市】無Budget想搵銀主盤？係咪上車捷徑？ | Yahoo Hong Kong
雅虎香港 Yahoo Hong Kong
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August 25, 2020
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經濟下滑、失業率飆高、政府警告有通縮風險，凡此種種都對資產市場不利。有人想辭官歸故里，有人漏夜趕科場，四出尋找銀主盤，希望能執平貨。不過，銀主盤真的是上車捷徑嗎？ 顧名思義，銀主盤就是被銀行沒收的物業，背後跟業主放棄供樓有關，部分人因為財政問題斷供，部分人因為估價仍然下滑，認為繼續供樓不划算，所以斷供。但大家可能誤解一點，就是負資產的物業就一定會淪為銀主盤，其實如果業主供樓紀錄良好，即使物業淪為負資產，銀行一般也不會Call Loan，要求業主提前還款。 一般來說，業主斷供兩至三個月之後，銀行才會向法庭申請收樓，然後執達吏發出通告清場、再測量師估價、委託拍賣行拍賣，整個過程一般都需時半年至一年。業內人士透露，由於程序繁複而費力，所以現時銀行都很少會在業主斷供後馬上收樓，而先與業主協商，看能否把環款期拉長，最後才申請收樓。 💡 立即追蹤YAHOO HONG KONG頻道+開啟推播通知，緊貼最新YAHOO節目影片！https://bit.ly/3a1jUCG 👉🏻 觀看更多： 【胡．說樓市】368萬買海邊渡假屋 大窗對海似畫框！ https://bit.ly/3lizW1M #上車捷徑 #胡說樓市 #胡國威 #YAHOO自家製 #YAHOO節目重溫 #YAHOOTVHK
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