What's New
12 Jun 2020
【專家樓評】尹志強:買平價銀主盤的三大要訣...
去年以來,二手樓的市場氣氛,以至成交數量,均有頻繁波動。樓價卻未見大落之勢。風在動,幡也在動,普遍業主的心卻似乎淡定依然,尤其是1,000萬以下的林鄭plan市場。對於苦候二手樓價大幅下調而未果的準買家,銀主盤儼然成為值得考慮的選擇。
銀主盤往往以開價吸引作招來,準買家如果生起想買的念頭,必須小心處理,方可提高勝算。且挑三個要點跟大家分享:
要「戒」懶。例如,閱讀合約條文,切忌掉以輕心。購買一般二手樓,買賣合約的條文往往大同小異;銀主盤的買賣合約,卻可能包含好些只保障賣方(即銀主)的條文,常見之一是訂明賣方律師費也要由買家負責。又例如,部分銀主盤單位是可以安排預先睇樓的,準買家可不該躲懶,因為單位淪為銀主盤的過程,往往歷時六個月以上,日久失修的風險比一般正常二手樓高;如果單位早經查封,長期無人居住,情況更堪虞。想要撿便宜,做事的基本紀律絕對不可或缺。
其二,是要「定」。銀主盤最常用的銷售途徑是公開拍賣,準買家在出價競投之前,宜了解市價,做好估價,在心中設定上限。否則,假使拍賣氣氛熾熱,而準買家心意不定,或會在衝動剎那出了不成比例的高價。須知道,拍買場上有「舉手不回」的法律責任。
最後,要用智「慧」,事先仔細查契查冊,釐清業權、押記、欠債、欠費等等──有智慧的準買家,更應聘請專業可靠的律師代勞。銀主盤的買賣多屬必買必賣,萬一在合約簽了、訂金付了之後才發現問題,往往不能撻訂了事,想要踢契更是困難。所謂問題,輕者如前業主拖欠了差餉水電等雜費,須由買家承擔;嚴重者,例如業權不完整,可能會影響申請按揭貸款,甚或在日後難以轉售!
常言便宜莫貪。看官,假如您按捺不住,想貪銀主盤的便宜,也務請具備基本的戒、定、慧。
普縉首席拍賣官 尹志強
(轉載自東網財經 https://hk.on.cc/hk/bkn/cnt/finance/20200612/bkn-20200612120059693-0612_00842_001.html)
(轉載自東網財經 https://hk.on.cc/hk/bkn/cnt/finance/20200612/bkn-20200612120059693-0612_00842_001.html)
THOUGHTS
Newspaper & Interview
Aaron, WAN Chi Keung |
THOUGHTS
Aaron, WAN Chi Keung
Chief Auctioneer
Aaron, WAN Chi Keung
Chief Auctioneer
NEWSPAPER
-
東網 - 財經
專家樓評
https://hk.on.cc/hk/bkn/cnt/finance/20200709/bkn-20200709125637148-0709_00842_001.html
另類投資
https://hk.on.cc/hk/bkn/cnt/finance/20210106/bkn-20210106122125043-0106_00842_001.html
INTERVIEW
- 美聯物業置富頻道 網站首面: https://www.youtube.com/channel/UCTecCQoH7JhpEy3HvSTpo5g
-
物業及商品投資 拍賣會尋寶全攻略|【置富直播台】
https://youtu.be/a_1m__xnoz8
Kevin, SO Man Ho |
THOUGHTS
Kevin, SO Man Ho
Executive Director & Managing Director of Building Surveying
Kevin, SO Man Ho
Executive Director & Managing Director of Building Surveying
NEWSPAPER
INTERVIEW
-
NOW 新聞
【時事全方位】強制驗窗計劃成效 (一 )及( 二)
https://news.now.com/home/local/player?newsId=335169&catCode=124&topicId=566
https://news.now.com/home/local/player?newsId=335171
-
胡國威 - 胡•說樓市
【胡‧說專題:如何煉成唾手可得的「安樂窩」】
https://www.facebook.com/wukwokwai.chatprop/videos/151081378867130/
-
胡國威 - 胡•說樓市
【胡‧說樓市 X Yahoo財經:黑廁係咪播毒陷阱?三大專家深入拆解!】
https://www.facebook.com/wukwokwai.chatprop/videos/182284276445598/
Frank, WONG Chung Lai |
THOUGHTS
Frank, WONG Chung Lai
Managing Partner, Planning & Development
Frank, WONG Chung Lai
Managing Partner, Planning & Development
NEWSPAPER
Rex, WONG Chun Man |
THOUGHTS
Rex, WONG Chun Man
Managing Partner, Business Valuation
Rex, WONG Chun Man
Managing Partner, Business Valuation
NEWSPAPER
-
CAPITAL 資本雜誌
王俊文 http://www.capital-hk.com/article-keywords/1033/wang-jun-wen
-
華富財經 - 名家縱論
政經峰煙 http://www.quamnet.com/newsmost.action?authorCode=COL_CCM&pageNo=0
INTERVIEW
Winson, POON Yiu Wai |
THOUGHTS
Winson, POON Yiu Wai
General Manager of Building Surveying & Project Director
Winson, POON Yiu Wai
General Manager of Building Surveying & Project Director
INTERVIEW
-
NOW 財經台 網站首頁:https://nowtv.now.com/channel/333
【置業攻略】
03/09/2018 - http://59.148.248.86:8130/index.php/s/6yWPkX97ZCfmW8Y
10/09/2018 - http://59.148.248.86:8130/index.php/s/YdBgMfFZg7KRNpJ
【新屋入伙】
14/09/2018 - http://59.148.248.86:8130/index.php/s/W8HDyPtf7MpRJGk