看兜 迪卡珀 de-couple的一点实战经验

最近忙的华星都快不来了，抽空上来说两句经验，可能会对后来人有所裨益。

两年之前买公寓的时候就是听明星中介的建议放的99（PR）- 1(C)， 现在迪卡珀之后，也跟该中介买了新的一套，非常感谢她的指点。

主要开销就是：

1.律师费 7000+ (Remember to ask the quotation including all duties, taxes and costs, especially 500 loan stamp duty and 7% GST)

2.buyer stamp duty + additional buyer stamp duty (total 8% of the 1% valuation fee)

3. seller stamp duty (12% since it's in 2nd year we start to de-couple)

The sum of 2+3 is 20% of the 1% share transferring. If the house evaluation is 1.5M, then the fee of 2+3 is 20% x 1% x 1.5M = 3000.

4. cash top up for the difference between current bank loan and new bank loan since the new bank loan can only finance 99% of the remaining loan. If the remaining loan is 1M, then the difference is 10K.

5. evaluation fee, few hundred dollars.

Pay attention to two point:

1. the part sale completion date should be arranged to be out of the current bank loan lock in period, otherwise, you need to pay bank penalty starting from 1% of loan.

2. Lawyer fee pitfalls, such as 500 loan stamp duty and 7% GST. Obviously, I am not satisfied with my lawyer for this part.......

好了，就匆忙这两句吧。祝各位大发。