樓按計算易

樓按計算易 Ver 1.1

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Ver 1.1 更新:
1. 新增物業「自用」選項
2. 字體大小和界面優化
3. 印花稅、按揭保險、金管局規定內容更新
4. 其他小問題修正
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本軟件現包含了兩種計算方法:

1. 樓價 | 成數:
- 當閣下找到一些心水樓盤時，可使用這功能查看所需的負擔能力
- 輸入「樓價」和「按揭成數」，快速計算出最低建議的「首次總支出」和「月入」

2. 資金 | 月入
- 閣下以自己現時的經濟能力查看所能承擔的最高樓價
- 輸入「流動現金」和「月入」，快速計算出最高建議的「樓價」和「按揭成數」
- 別太在意「樓價」的小數，這只是試算結果而已，即是說當閣下看到結果是 2,524,927.19 時，並不代表閣下一定不能承擔 2,530,000 的樓價

計算結果僅供參考，如需進一步了解計算詳情，歡迎以電郵與作者聯絡

參考資料:
印花稅收費 2013年2月22日 最新修訂 (http://www.gov.hk/tc/residents/taxes/stamp/stamp_duty_rates.htm)
按揭保險計劃 2013年2月23日 最新修訂 (http://www.hkmc.com.hk/chi/pcrm/ourbusiness/mip.html)
金融管理局 2013年2月22日 最新修訂 (http://www.hkma.gov.hk/chi/key-information/press-releases/2013/20130222-3.shtml)
金融管理局 2013年2月22日 按揭保險計劃修訂 (http://www.hkma.gov.hk/chi/key-information/press-releases/2013/20130222-4.shtml) Easy Ver 1.1 calculate mortgage

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Ver 1.1 update:
1 new property "occupied" option
2 font size and screen optimization.
3. Stamp duty, mortgage insurance, HKMA requires updates
4 other minor bug fixes
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The software now contains two methods:

1 prices | a few:
- When you find some Shortlist, you can use this feature to view the required affordability
- Enter the "prices" and "LTV" quickly calculate the minimum recommended a "total expenditures for the first time" and "earning"

2 funds |. Monthly income
- Your own ability to see beyond the current economic commitments highest prices
- Enter the "cash flow" and "earning", quickly calculate the maximum recommended "prices" and "LTV"
- Do not be too concerned about the "prices" in decimal, this is only just the trial results, that when you see the result is 2,524,927.19 time, does not mean that you must not assume 2,530,000 in property prices

The results are for reference only, For more information about the calculation details, please contact the author by e-mail

References:
Stamp duty charges February 22, 2013 the latest revision (http://www.gov.hk/tc/residents/taxes/stamp/stamp_duty_rates.htm)
MIP February 23, 2013 the latest revision (http://www.hkmc.com.hk/chi/pcrm/ourbusiness/mip.html)
Monetary Authority of February 22, 2013 the latest revision (http://www.hkma.gov.hk/chi/key-information/press-releases/2013/20130222-3.shtml)
Monetary Authority 22 February 2013 to amend the Mortgage Insurance Programme (http://www.hkma.gov.hk/chi/key-information/press-releases/2013/20130222-4.shtml)