When planning a visit to Hong Kong, finding the perfect accommodation is essential to ensure a comfortable and enjoyable stay. Serviced apartments have become increasingly popular among travelers due to the convenience and flexibility they offer. In this article, we will guide you through the key aspects of booking a serviced apartment in Hong Kong, providing valuable insights to help ..read more

Hong Kong is one of the most densely populated cities in the world, with limited space for both humans and their furry companions. Cohabitating with a dog in Hong Kong can be challenging, but with some preparation, patience, and love, it is possible to provide a happy and healthy environment for your four-legged friends. In this blog, we speak to ..read more

What makes a home a home? A comfortable bed? A sizable garden? Having your loved ones around you? We believe that a home is so much more than the four walls around you. It is about feeling safe and being able to thrive, not just survive. Accommodation in a safe place is a critical part of helping people leave homelessness ..read more

After the landlord and tenant enter into a lease agreement, they are required to pay the stamp duty rates for the lease, which involves affixing a stamp on the document. How is the stamp duty calculated? Any penalties for late payment? And what other important considerations? Let’s take a closer look at these matters in this Spacious’ article. Jump to ..read more

Does becoming a real estate agent lead to prosperity? Yes, real estate is a labor-intensive industry where your monthly earnings depend on your determination and hard work. Everyone starts from an equal footing, and the first step is to obtain a real estate license. Want to know how to transition into real estate? What preparations should you make before entering ..read more

The reverse mortgage program has the merit of lifetime loan repayment exemption. What exactly is it about? Spacious has everything you need to know about reverse mortgage. Keep reading to find out the program’s eligibility requirements, loan-to-value ratio, loan tenure, annuity amount, disbursement and more. Jump to: What is Reverse MortgageEligibilityAnnuity ValueInterest Rates ..read more

The maximum loan-to-value ratio (LTV ratio) for mortgages provided by banks depends on the property value. The actual approved loan-to-value ratio varies based on stress testing, property valuation, the borrower’s financial condition and the property type. LTV ratios differ between first-time and non-first-time homebuyers, as well as for private properties, village houses and public housing. Spacious consolidated a summary to ..read more

When a bank decides on a mortgage loan amount, they consider not only the applicant’s income, but also check their TransUnion credit report. The credit report tells a lot about the applicant’s financial health. In this article, Spacious will teach you how to read the credit report and improve your credit score. Jump to: What is a Credit Report ..read more

There are many mortgage plans offered by banks in the market. To choose the best plan, the two main factors to compare are the mortgage rate and cash back offer. Some banks may use a lower mortgage rate, but their cash back is less than others, which may actually be less favourable than higher-interest mortgages. Spacious has compiled the latest ..read more

Sino Group is a household name in Hong Kong’s real estate, along with four major real estate families in Hong Kong – Sun Hung Kai Properties, Henderson Land Development, New World Development and Cheung Kong Property Holdings. Originated from Singapore, Sino Group has been in Hong Kong for nearly half a century, building a real estate empire with over 250 ..read more