選擇您的金融機構
2005-05-20 16:16
在決定所選擇的金融機構之前，您應當貨比三家。請記得，當您接受房屋貸款時，您需要在一段期間經常與金融機構打交道。因此，除了低利率之外，您也必須考慮其它的因素。以下是您應考慮的事頂：
- 這家金融機構接待顧客的專業程度有多高？
- 它是否提供有效及可信賴的素質服務？
- 它提供哪些貸款配套，以及哪一些配套最符合您的要求。
- 所涉及的收費有哪一些？
例如，律師費，相關的政府費用及收費，貸款發放費用以及其他。您也應當被告知，在什麼時候徵收這類收費以及是否需要經常支付這類收費的事項。
一家具有革新精神的金融機構，可能將提供更為適合您的貸款配套，而這類金融機構的貸款處理程序也可能更快捷及無繁瑣。一般上，當您呈交了所有相關的文件之後，您的貸款申請需時1至2個星期獲得批准。
Choosing Your Financial Institution
You should shop around before you decide on any financial institution. Remember that when you take up a housing loan, you will be dealing with the financial institution on a regular basis for a period of time. Therefore, you should also consider factors other than just interest rates. Below are some of the factors you should consider:
- How professional is the financial institution in dealing with customers?
- Does it offer quality service in terms of efficiency and reliability?
- What are the available loan packages and which package suits you best?
- What are the charges involved?
For example, legal fees, related government fees and charges, disbursement fees and others. You should also be informed when and how often these charges are to be paidAn innovative financial institution may offer a more suitable loan package that suits your needs and their application process may be faster and hassle-free. It usually takes about one to two weeks for your loan application to be approved from the time you submit all relevant documentation.
