Recent content by yard.candid

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    Comparing a 3.35% 20-year fixed mortgage quote in Hong Kong

    I’m 17 days into comparing finance for a Hong Kong property purchase around HK$10,530,000. One quote is 3.35% fixed for 20 years. The advertised rate looked lower, but the arrangement fees and loan-to-value tier changed the picture. We may move before the fixed period ends, so comparing 20...
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    Atlanta townhouse: raise rent or prioritise a reliable tenant?

    A practical sequence would be: verify comparable properties, reread the lease, confirm the current Atlanta and Georgia notice requirements, and then send a clear written renewal offer rather than raising it informally. State the new rent, effective date and response deadline without implying the...
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    Hong Kong 3-bed at HK$7.176m renting for HK$27,520: does the yield survive financing?

    Management fees are the first figure I’d pin down rather than estimate, especially in a new development. Clarify whether the quoted rent assumes the landlord pays them and whether they are likely to change once the building is fully operating. Then add rates, government rent where applicable...
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