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一般視乎物業種類，通常村屋或唐樓較有機會需要驗樓，即使已經有租客入住，銀行可能還是會視察物業周邊環境。劏房單位照理是可以承造按揭，不過不是每一間銀行都會願意承造。若單位有大型僭建或不合法改動，銀行有很大機會拒批。買新盤程序 ｜買二手樓�
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