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利嘉閣按揭代理有限公司 Ricacorp Mortgage Agency Limited
  • Products
        • Hot Offers
          • Low Interest Rate Mortgage Plan
          • HOS Mortgage
          • WSM Mortgage
        • First Hand Properties
        • Second Hand Properties
        • Residential Property Offers
          • Remortgage & Second Mortgage
        • Personal Loan
        • Other Properties Offers
  • Rewards
    • Membership Benefits
    • Application Reward
    • 1st Hand Buyers Offer
  • Tools
    • Mortgage Tips
    • Calculator
    • Submortgage
    • Property Valuation
    • Mortgage Guide
    • Related Links
  • Apply Now
  • Latest News
    • First Hand Properties
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    • Mortgage Tips and Tricks
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  1. 利嘉閣按揭代理有限公司 Ricacorp Mortgage Agency Limited 利嘉閣按揭代理有限公司 Ricacorp Mortgage Agency Limited
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  5. 按揭通識

按揭通識

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符合指定輸入人才計劃的人士,不用居港滿7年取得香港永久居民資格,購入物業時可享「先免後徵」有等同香港永久居民相同的首次置業人士從價印花稅率,如若最後未有成為香港永久居民,需補繳有關稅項。除了稅率優惠外,房貸方面,政府於2023年7月亦取消了收入非來自香港的按揭成數限制,令到海外入息可享與永久居民相同的優惠,最高可以申請90%按揭。 WHAT'S NEW

【2024專才置業按揭攻略】一文看清來港置業稅項、首付比例及房貸注意事項

符合指定輸入人才計劃的人士,不用居港滿7年取得香港永久居民資格,購入物業時可享「先免後徵」...

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30.11.2023
今次主要想講嘅村屋按揭五個“埋伏點”,買樓過程中,如果想順利申請按揭,要記得留神好,千祈唔好中招!如今市區樓價仍居高不下,人們住房思想逐漸發生轉變,加上交通更加方便快捷,不少港人都會選擇住村屋,因為可利用空間大,間隔實用,靠近郊區,居住環境清新幽靜。對於首次置業或者有意買樓的人士嚟講,村屋是市場上另一個可供上車的低門檻選擇。Whatsapp: 5662 2730 WHAT'S NEW

按揭BB班 | 按揭NPC | 村屋按揭常見五個伏位

今次主要想講嘅村屋按揭五個“埋伏點”,買樓過程中,如果想順利申請按揭,要記得留神好,千祈唔...

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27.11.2023
這個差距,在早前銀行按揭現金回贈曾一度高達3%時,對有意轉按套現作其他投資的人,仍然算是對沖到增加的成本。可是近日銀行的按揭現金回贈已跌至2%至2.2%的水平,轉按的吸引力,表面上是大減了,實際上,又是否真的無利可圖呢? WHAT'S NEW

【2024轉按攻略】加息周期下,轉按套現再置業,仍有利可圖嗎?

轉按的吸引力,表面上是大減了,實際上,又是否真的無利可圖呢?以太古城的個案做例子,於201...

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14.11.2023
若物業變成負資產,其實不一定會引發銀行/ 財務機構Call Loan。按我們經驗,如果是於銀行做按揭,由於物業按揭屬於中長期貸款(Term loans),除非借款人的財政狀態出現變化,例如經常遲還款或拖欠供款,又或是被銀行發現物業未經同意下加借二按等異常情況,一般銀行較少因為樓價下跌,而立即向借款人Call Loan。 WHAT'S NEW

2023年第3季負資產急飆│負資產會引發Call loan嗎?如何應對?

若物業變成負資產,其實不一定會引發銀行/ 財務機構Call Loan。按我們經驗,如果是於...

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03.11.2023
自從按揭成數喺2023年7月放寬後,1,500萬元以下嘅自住物業,喺按揭保險計劃下最多可以借80%。唔少業主都想趁按揭放寬同埋樓價回落,換更大嘅物業自住,但換樓客都需要面臨一個抉擇,就係「先賣後買」定係「先買後賣」。Whatsapp: 5662 2730 WHAT'S NEW

按揭BB班 | 急急如律令?|「先買後賣」VS「先賣後買」

自從按揭成數喺2023年7月放寬後,1,500萬元以下嘅自住物業,喺按揭保險計劃下最多可以...

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31.10.2023
按揭BB班 | 發展商按揭懶人包 | 近日樓價回落,對選用發展商按揭嘅用家有咩影響? WHAT'S NEW

按揭BB班 | 發展商按揭懶人包 | 近日樓價回落,對選用發展商按揭嘅用家有咩影響?

使用發展商按揭人士留意,近日樓價回落,唔少物業嘅估價同二手成交價近來都有所下調,如果比起按...

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27.10.2023
樓市下行,坊間不時傳出有業主被銀行Call Loan (提前償還按揭貸款),不過按我們經驗及了解,市場流傳中的Call Loan個案,真正的Call Loan原因不在於樓價下跌,而是業主可能涉及其他問題。 WHAT'S NEW

2023按揭避險攻略│樓價跌,按揭被Call Loan?如何避過Call Loan的風險?

樓市下行,坊間不時傳出有業主被銀行Call Loan,不過按我們經驗,市場流傳中的Call...

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24.10.2023
2023跌市買樓攻略│藍籌屋苑現劈價潮? 天水圍嘉湖山莊 2年間跌價近30%? 樓價跌幅已完全抵銷加息的影響? WHAT'S NEW

【2023跌市買樓攻略】加息周期VS樓市回調,劈價盤湧現,如何衡量是否執平貨時機?

樓市交投淡靜,不少業主議價幅度擴大,多區都出現劈價成交,有單位呎價創逾6年新低,與2年前相...

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13.10.2023
一般銀行於批核按揭時,要根據金管局指引,為借款人進行「壓力測試」,模擬按揭息率上升2厘之下,借款人仍然有足夠嘅供款能力。呢個措施係要保障銀行按揭貸款業務於加息周期下,不會出現太大的風險。 Mortgage Tips and Tricks

按揭BB班 | 咩係「壓力測試」?| 供款能力的評估

目前「壓力測試」是以銀行按揭封頂息率/ 最優惠利率(P)按揭計劃嘅息率,加2%,例如現時大...

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13.10.2023
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利嘉閣按揭代理有限公司 Ricacorp Mortgage Agency Limited

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