文/Mortgage House金融顾问Aima / Tel:0564721702
随着经济多元化的发展，迪拜已逐渐成为备受世界瞩目的国际大都市；日趋稳定的房产市场也吸引着越来越多的房产买家。但不论是境外投资者还是生活在这里的居民，其中有很大一部分都是选择贷款买房。那么，一提到房贷，大家首先想到最多的是什么呢？贷款额度(Loan Amount)和利率(Interest Rate)。这一期，我们就先给大家介绍下房贷里 与贷款额度相关的小常识。
想必大家在接触房贷时经常会听到“可申请高达房产价值75%的贷款额度” 等相关信息，这个百分数字(75%)在银行的专有名词叫做：LOAN TO VALUE，简称LTV。其中特别容易产生误区的是”VALUE”这个词，它所指的是房产评估值 (Evaluation Value), 而非房产售价 (SELLING PRICE) 。比如，您要购买一套售价为100万的房产，银行审批给您的LTV为75%，那您可获得的贷款额度是？75万？如果你想当然算出这个数据，那证明您已经进入我之前提到的误区了。
为什么呢？
首先，银行在计算最终贷款额度时，是需要派其认证的评估机构去进行房产评估的；然后从其房产评估值 (Evaluation Value)与 您所递交的房产买卖合同(MOU)价格中 选择最低的那个值来计算。通常，市场上的挂牌售价 因为牵扯到卖家利益，是普遍高于银行专业评估机构的实际评估值的；因为银行认证的评估机构是根据房产本身地理位置、楼层、面积、房屋构造、朝向等所有基本数据来给出的价值，而非市场营造的价格。据统计数据，房产评估值(Evaluation Value )一般是在房产售价(SELLING PRICE)的 89%-95%间。
比如，之前我们说的售价为100万得房产，若按银行评出非常理想的95万来计算，贷款额度应该是950,000 x 75% = 712,500，而非你想当然的75万；当然这多出来的37,500也就自然转变成了您的首付额度。或许有人会问，有没有可能银行的评估值高于我的购买价格呢？当然，通常这种情况会发生在您的卖家因为个人情况需要低价出售其房产时，他已把个人利益部分进行了削减，如果您能遇到这样的卖家，自然也是您的幸运了。
那到底有没有可能在申请房贷时，保证首付额度不被增加甚至减免呢？又或，在开始正式申请前就得到确认的贷款额度、利率、月供、所需花费等所有信息呢？欢迎咨询aima@mortgagehouseuae.com
此外，在这里还给大家罗列出 除去首付后，贷款购买房产时所需要的各项花费。以供参考
|
Dubai Land Department |
Title Deed Transfer |
房产买卖合同(MOU)价格的4% |
|
Dubai Land Department |
Mortgage Registration |
银行贷款额度的0.25% + AED 10 |
|
Dubai Land Department |
Trustee Office Fee |
AED 4000 |
|
Dubai Land Department |
Title Deed Documentation |
AED 540 |
|
Real Estate |
Brokerage fee |
房屋售价的2% |
|
Bank |
Processing fee |
贷款额度的1%（其中包括AED1000-1500这个在确定申请时就需交付银行的申请费，无法返还） |
|
Bank |
Evaluation fee |
因银行而异(AED 2500-3000) |
|
Bank |
Property Insurance |
因银行而异(0.0275%-0.06%) 大多会自动算入月供中 |
|
Bank |
Life Insurance |
因银行及贷款额度而异(0.3%-0.5%);或根据保险公司的要求（客户本身年龄及身体状况） |
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