• Homester Offical
    • 2024-03-29 20:56:21
    • 2

【避開凶宅】平價樓盤租盤,分分鐘中伏

租屋、買樓時遇到凶宅對任何租戶置業人士來說都是一場噩夢。但請不要害怕,因為有的方法可以避免這種風險,確保您的房地產搜尋順利進行。

第一,香港的銀行會將所有凶宅資料列入不公開的黑名單。如果銀行提供的估價有問題(明顯低於市場價),或是拒絕提供估價,可能代表該物業有凶宅的問題。然而,一些外資銀行認為凶宅不屬於業權瑕疵,可以正常進行估價。因此,買家可以考慮向多家銀行諮詢以作參考。此外,除了影響單位本身的估價外,如果凶宅位於同層或相鄰樓層的事故單位附近,銀行也可能批出較低的按揭成數或調高按揭利率。


HSBC:https://www.hsbc.com.hk/zh-hk/mortgages/tools/property-valuation/

Hang Seng: https://www.hangseng.com/zh-hk/e-valuation/keyword-search/


第二,而最簡單直接的方法便是查詢坊間整合的凶宅資訊的網站,大部份網站可透過地區搜尋凶宅的物業地址、成因及日期。惟資料都是非官方組織搜集的,未必百分百準確,只能作參考。提供凶宅資訊網站包括地產資訊網、香港地產網。


第三,準買家可透過向地產代理查詢,根據地產代理監管局《操守守則》,從業員有責任向買家透露打算購入的物業是否凶宅。 準買家向代理查詢時,準買家不應顧忌只用含糊字眼。 買家應該直接詢問地產代理:「物業或同層單位有否發生過非自然死亡事件,例如自殺或凶殺案?」避免日後雙方發生誤會。


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