購買房屋 (簡介)

購買房屋是一件令人興奮的事。它也可能是您有生以來進行的最大宗購買。

了解獲得房屋貸款所涉及的步驟，能協助您節省時間，免除不確定及煩惱。

這本小冊子可讓你深入瞭解獲得房屋融資的各項課題，並給予您獲得房屋融資全部過程之主要步驟的概述。這本小冊子給予您基礎指導，並且解釋技術詞彙，同時提供您關於融資購買房屋的寶貴秘訣。

Introduction

Buying a house is an exciting event. It will probably be the biggest purchase you will ever make in your life. Understanding the steps involved in securing a housing loan will help you save time and avoid uncertainty and anxiety.

This information in the following pages will give you an insight into the various issues on financing a house and outlines the major steps in the overall process of financing a house. It guides you through the basics, explains the technical terms and gives you invaluable tips on financing a house.

購買房屋是重要的決定，因此應當再三考慮及策劃。

如果您購買的是尚在興建中的產業，您應當檢查發展商的背景。您應當確保有關的發展商：

* 擁有由房屋及地方政府部發出的合法執照，同時有關執照仍然有效（未逾期）
* 擁有由各別地方政府發出的合法廣告與銷售准證。

您有權向發展商查詢有關執照以及准證的資料。

您也可以向房屋及地方政府部尋求進一步的闡述，若發展商擁有良好的記錄，將能減低房屋計劃被擱置的風險。

Buying A House

Buying a house is a major step, so it deserves careful thought and planning.

If you are buying a property under construction, you should check the background of the developer. You should ensure that the developer:

* Has a valid licence issued by the Ministry of Housing and Local Government which is still in force (not expired)
* Has a valid advertising and selling permit issued by respective local authority which is still in force

You have the right to enquire from the developer, information on licence and permit. You can also refer to the Ministry of Housing and Local Government for further clarification. A developer with a good track record reduces the risk of the project being abandoned.