Spacious
1,000+ Reviews
Install
×
All Article Hong Kong Property Hong Kong Living Blog Overseas Property Home Improvement Expert Insights

A Complete Guide to Mortgage Stress Test

February 29, 2024

A Simplified Guide to Hong Kong's Stamp Duty 2024

February 29, 2024

A Beginner's Guide to Refinancing

February 28, 2024

An Overview of Loan-to-value Ratio for Mortgages in Hong Kong

February 28, 2024

A Complete Guide to Stamp Duty Rates on Renting in Hong Kong

June 12, 2023

All articles related to "Hong Kong Property"

A Complete Guide to TransUnion Credit Report

When a bank decides on a mortgage loan amount, they consider not only the applicant’s income, but also check their TransUnion credit report. The credit report tells a lot about the applicant’s financial health. In this article, Spacious will teach you how to read the credit report and improve your credit score. Jump to: What is a Credit Report? | … Continue reading "A Complete Guide to TransUnion Credit Report"

May 9, 2023

An Overview of Latest Mortgage Rates and Cash Back in Hong Kong

There are many mortgage plans offered by banks in the market. To choose the best plan, the two main factors to compare are the mortgage rate and cash back offer. Some banks may use a lower mortgage rate, but their cash back is less than others, which may actually be less favourable than higher-interest mortgages. Spacious has compiled the latest … Continue reading "A Complete Guide to TransUnion Credit Report"

May 4, 2023

Property Developers' Series - Sino Group

Sino Group is a household name in Hong Kong’s real estate, along with four major real estate families in Hong Kong – Sun Hung Kai Properties, Henderson Land Development, New World Development and Cheung Kong Property Holdings. Originated from Singapore, Sino Group has been in Hong Kong for nearly half a century, building a real estate empire with over 250 … Continue reading "A Complete Guide to TransUnion Credit Report"

May 2, 2023

Code of Practice for Fire Safety in Buildings - Everything you Need to Know

In recent years, open kitchens have become increasingly common in new developments. Are there any requirements of fire prevention for owners? What should be noted when renovating an open kitchen? To help you avoid legal pitfalls, Spacious has compiled some key points from the Code of Practice for Fire Safety in Buildings, as well as precautions for renovating an open … Continue reading "A Complete Guide to TransUnion Credit Report"

April 27, 2023

A Complete Guide to Home Insurance

Home insurance provides financial protection against damage to a property and belongings. Whether you are an owner or a tenant, you can take out home insurance according to your needs. However, don’t assume that the fire insurance coverage from your residential building provides the same protection as home insurance. In fact, even for home insurance, there are two main types, … Continue reading "A Complete Guide to TransUnion Credit Report"

April 26, 2023

A Complete Guide to Buying a Pre-sale Property in Hong Kong

In recent years, there has been a rising trend of buying pre-sale properties. Eye-catching figures such as number of subscriptions, registration of intent and lots-drawing for flat selection priority hit the headline almost every day. These jargons can be a bit overwhelming for first-time homebuyers. What do they actually mean? What is the process for buying an off-plan property ? … Continue reading "A Complete Guide to TransUnion Credit Report"

April 25, 2023

Five Steps of Possession of Property via Bailiff Services

Being a landlord is never easy. Chances are that you may run into tenancy disputes such as overdue rents or unauthorised subletting. If problems persist or worsen, a bailiff may help with recovering the possession of your property. A bailiff is an officer responsible for executing court orders. Landlords need to file a case to the court and obtain a … Continue reading "A Complete Guide to TransUnion Credit Report"

April 24, 2023

Joint Tenancy v.s. Tenancy in Common

When couples purchase a property, they may consider whether to own the property in one’s own name or both. This article focuses on two types of co-ownership: tenancy in common and joint tenancy. It is important to understand the difference between the two terms. Otherwise, one may mistakenly believe that they have half of the property ownership, when in fact … Continue reading "A Complete Guide to TransUnion Credit Report"

April 21, 2023

A Beginner's Guide to Negative Equity and "Call Loan"

Negative equity assets brought up painful memory in Hong Kong from the 1997 financial crisis to the 2003 SARS epidemic. Homeowners of negative equity were forced to repay heavy mortgage loans as lenders started to call in the loans (as known as Call Loan). It is important to know the definition, causes and consequences of negative equity . Spacious has … Continue reading "A Complete Guide to TransUnion Credit Report"

April 21, 2023

A Complete Guide to Subletting

Renting in Hong Kong is expensive. If you want to have some private space, one possible way is to look for roommates to share the rent. Shared renting is common among young professionals. They often choose the tenement buildings across Hong Kong Island and Kowloon. In recent years, the trend also spread to large-scale estates in the New Territories. These … Continue reading "A Complete Guide to TransUnion Credit Report"

April 20, 2023

The Basics of Occupation Permit

The developer must obtain two documents before notifying owners to move in. They are the Occupancy Permit (OP) and the Certificate of Compliance (CC). Does the estimated material date listed in the new building’s sales brochure refer to the date of occupancy? In fact, the actual move-in date is often later than the estimated material date. Jump to: OP v.s. … Continue reading "A Complete Guide to TransUnion Credit Report"

April 20, 2023

A Complete Guide to Plot Ratio

Plot ratio is a specialized term used in urban planning, and you may have heard it occasionally in the real estate industry. It is an important indicator of urban development, but do you know about the definition? Plot ratio is linked to many land planning issues, so it is a topic worth exploring. In this article, Spacious digs deeper into … Continue reading "A Complete Guide to TransUnion Credit Report"

April 19, 2023

Deed Of Mutual Covenant - Everything You Need to Know

If you think that you can do whatever you want inside your property, think again. The rights, responsibilities, and obligations of the owners are all governed by the building’s Deed of Mutual Covenant (DMC). The DMC can be over one hundred pages long, and you may have already spent a lot of time studying the sales brochure before purchasing the … Continue reading "A Complete Guide to TransUnion Credit Report"

April 18, 2023

How to Buy off-the-plan via Lot Drawing Scheme

Have you heard about lot drawing when buying off-the-plan properties in Hong Kong? Most standard units from new projects are sold through this scheme, while more luxurious units are usually sold by tender, due to limited supply and a smaller audience. Other ways of selling new units include internal subscription and off-market tendering. Oversubscription of new units are commonly seen … Continue reading "A Complete Guide to TransUnion Credit Report"

April 18, 2023

Property Developers' Series - Wheelock Properties

Since 2010, Wheelock Properties has been actively acquiring land in Kowloon East and its surrounding areas. In the Tseung Kwan O district alone, the developer has already acquired over ten plots of land, launching new residential projects including The Parkside (2015), Savannah (2017), Capri (2017), Monterey (2018), Malibu (2020), Montara (2021), Grand Montara (2021), Marini (2021), Ocean Marini (2022), and … Continue reading "A Complete Guide to TransUnion Credit Report"

April 14, 2023

Subscribe to Our Blog

Stay up to date with the latest property news and insights.