Dah Sing Bank, Limited - Personal - Mortgage

Purchasing Your Own Property with only a 10% Down Payment

Special Features

	Only a 10% down payment to realise your dream of buying your own property immediately.
	The simple application procedures for a mortgage loan will be completed by designated personnel.
	A variety of mortgage packages that offer mortgage interest rates that are calculated using the Dah Sing Bank Prime Rate, HIBOR or a fixed rate announced by our Bank from time-to-time.

	"Mortgage Insurance Programme"
Type of Mortgage	New purchases of completed private residential properties or private residential properties under construction in the primary and secondary markets, refinancing, or cash-out mortgage refinancing
Loan-to-Value Ratio	Up to 90% of the property's purchase price or appraised value, whichever is lower²
Maximum Loan Amount³	HK$6,120,000³
Mortgage Tenure	Up to 30 years
Eligible Customers	Estates owned by individuals for self-occupation
Fee⁴(can be included in the mortgage loan of choice)	Subject to a Mortgage Insurance premium. Eligible customers can enjoy a premium discount of up to 50%.
Cash-out Refinancing	Cash-out refinancing is available on maximum loan amounts of HK$5,000,000 with a LTV as high as 85%

Note:
1.	The above plan is applicable to private residential properties in the primary and secondary markets, while private residential properties under construction must be those under the Consent Scheme of the Hong Kong SAR Government and approved by Dah Sing Bank.
2.	The maximum LTV for village type houses and cash-out refinancing mortgages is 85%.
3.	The maximum loan amount varies from case to case and is subject to the final approval of the Hong Kong Mortgage Corporation Limited.
4.	For details concerning the Mortgage Insurance Programme premium, please refer to the Mortgage Insurance Premium Rate Table.

Purchasing Your Own Property with only a 10% Down Payment

Mortgage Type	Loan-to-Value Ratio (LTV)	Loan Tenure (Years)	Single Premium Payment (% of the Original Principal Balance*)	Annual Premium Payment (% of the Original Principal Balance*)
Mortgage Type	Loan-to-Value Ratio (LTV)	Loan Tenure (Years)		First Year	Renewal
Floating Rate	Above 70% and up to 75%	10	0.55%	N/A	N/A
		15	0.60%
		20	0.65%
		25	0.70%
		30	0.75%
		35	0.80%
		40	0.85%
	Above 75% and up to 80%	10	1.00%	0.50%	0.24%
		15	1.15%	0.60%	0.24%
		20	1.40%	0.70%	0.24%
		25	1.50%	0.75%	0.24%
		30	1.65%	0.85%	0.24%
		35	1.75%	0.95%	0.24%
		40	1.85%	1.05%	0.24%
	Above 80% and up to 85%	10	1.55%	0.70%	0.45%
		15	1.80%	0.80%	0.45%
		20	2.15%	0.90%	0.45%
		25	2.30%	1.00%	0.45%
		30	2.40%	1.10%	0.45%
		35	2.50%	1.20%	0.45%
		40	2.60%	1.30%	0.45%
	Above 85% and up to 90%	10	2.15%	0.90%	0.63%
		15	2.50%	1.09%	0.63%
		20	2.98%	1.28%	0.63%
		25	3.35%	1.46%	0.63%
		30	3.55%	1.65%	0.63%
		35	3.75%	1.85%	0.63%
		40	3.95%	2.05%	0.63%

^*The Mortgage Insurance Premium is calculated according to the total loan amount.

Note: The above information is for reference only. Information published by the Hong Kong Mortgage Corporation Limited shall prevail.

Purchasing Your Own Property with only a 10% Down Payment

Other Privileges

	Credit card annual fee waiver.
	Household Contents Insurance premium waiver for six months in the first year.
	Complimentary fire insurance for the first year.

Note:

1.	The approval of credit card will be processed separately and after the drawdown of the mortgage loan. Dah Sing Bank reserves the right for final approval.
	The offers for the Household Contents Insurance are valid until 31 December 2010. The above offers are only applicable to customers insured with Dah Sing Insurance Company Limited. Please contact our staff at Dah Sing Bank Branches for details about the above offers and terms.
2.	The terms and conditions of above mortgage plans are for reference only. Actual and final mortgage loan offer is subject to relevant terms and conditions agreed between the Bank and customers.
3.	Dah Sing Bank reserves the right to revise the above offers and terms at any time without prior notice.
4.	The above mortgage plan is subject to relevant terms and conditions. Please contact our staff at Dah Sing Bank Branches for details.

90% Residential Mortgage Plan

Introduction

Premium Rate Table

Other Privileges

Purchasing Your Own Property with only a 10% Down Payment

Special Features

	Only a 10% down payment to realise your dream of buying your own property immediately.
	The simple application procedures for a mortgage loan will be completed by designated personnel.
	A variety of mortgage packages that offer mortgage interest rates that are calculated using the Dah Sing Bank Prime Rate, HIBOR or a fixed rate announced by our Bank from time-to-time.

	"Mortgage Insurance Programme"
Type of Mortgage	New purchases of completed private residential properties or private residential properties under construction in the primary and secondary markets, refinancing, or cash-out mortgage refinancing
Loan-to-Value Ratio	Up to 90% of the property's purchase price or appraised value, whichever is lower²
Maximum Loan Amount³	HK$6,120,000³
Mortgage Tenure	Up to 30 years
Eligible Customers	Estates owned by individuals for self-occupation
Fee⁴(can be included in the mortgage loan of choice)	Subject to a Mortgage Insurance premium. Eligible customers can enjoy a premium discount of up to 50%.
Cash-out Refinancing	Cash-out refinancing is available on maximum loan amounts of HK$5,000,000 with a LTV as high as 85%

Note:
1.	The above plan is applicable to private residential properties in the primary and secondary markets, while private residential properties under construction must be those under the Consent Scheme of the Hong Kong SAR Government and approved by Dah Sing Bank.
2.	The maximum LTV for village type houses and cash-out refinancing mortgages is 85%.
3.	The maximum loan amount varies from case to case and is subject to the final approval of the Hong Kong Mortgage Corporation Limited.
4.	For details concerning the Mortgage Insurance Programme premium, please refer to the Mortgage Insurance Premium Rate Table.