Before you start scrolling Zillow obsessively, get a mortgage pre-approval. It’s like getting a hall pass for house hunting, but from a bank instead of your high school principal. This tells you exactly what you can afford—no heartbreaking daydreams about mansions.
What are the options to improve housing affordability in Hong Kong
Talk to a few lenders. Compare rates like you’re shopping for flights. Some might offer you a sweet deal, others will just try to sell you a timeshare in Florida. Be picky.
And remember: just because a lender says you can borrow $500,000 doesn’t mean you should. You still need to eat, until your avocado toast habit.
