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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
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    • Related Links
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    • First Hand Properties
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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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上文提及,兩年多前購入新盤而選擇建期的買家,現時即將要上會,但卻要面對壓力測試、銀行對按揭業務取態不積極及出現估價不足的問題,可能最終逼於無奈撻訂,導致損失慘重、血本無歸,也許有人會認為這些買家在入市時應該考慮各種風險,現在不能輸打贏要!Whatsapp:56622730 WHAT'S NEW

一手盤2024 | 建期付款 | 當局宜協助建期買家,以防撻訂潮湧現﹗

上文提及,兩年多前購入新盤而選擇建期的買家,現時即將要上會,但卻要面對壓力測試、銀行對按揭...

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23.05.2024
近日有報導指出一個2021年發售的新盤臨近建期成交卻連續錄得15宗撻大訂個案。事實上,陸續有多個在兩至三年前樓市高峰期發售的新盤樓花將於今年內正式收樓,換言之當年選擇「建期」的買家便要開始計劃上會,然而市況不似預期,現時買家出現了進退兩難的情況﹗Whatsapp: 5662 2730 WHAT'S NEW

一手盤2024 | 建期付款 | 即將建期上會面臨種種按揭難題

近日有報導指出一個2021年發售的新盤臨近建期成交卻連續錄得15宗撻大訂個案。事實上,陸續...

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09.05.2024
樓市撤辣後,一手新盤成交急升,單單三月份一手新盤成交宗數高達四千多宗,但今天有報導指出一個於2021年發售的新盤連錄15宗撻大訂個案,大家可能感到疑惑,為何同樣都是新盤卻落得如此大的差別呢﹖其實去年至今金管局先後多次放寛按揭措施,不過大家要注意每次新安排必定是在金管局公佈後才正式生效,換言之,不同時期購入的新盤在建期上會時按揭安排可能會有所不同。Whatsapp: 5662 2730 WHAT'S NEW

一手盤2024 | 建期付款 | 新盤建期上會須知﹕不同購入時段按揭安排大不同 三個關鍵時段要清楚

樓市撤辣後,一手新盤成交急升,單單三月份一手新盤成交宗數高達四千多宗,但今天有報導指出一個...

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09.05.2024
樓市撤辣再加上樓價回落,不少情侶計劃購置物業共築愛巢,不過有部份情侶是屬於小資一族,僅僅儲夠一成首期,他們打算申請九成按揭,以為便可輕鬆置業。由於他們通常屬於首次置業,對於按揭批核並不熟悉,在置業後才發現按揭審批出現困難,令他們大失預算。Whatsapp:5662 2730 WHAT'S NEW

九成按揭攻略 | 高成數按揭申請條件及按揭失敗陷阱你要知

樓市撤辣再加上樓價回落,不少情侶計劃購置物業共築愛巢,不過有部份情侶是屬於小資一族,僅僅儲...

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07.05.2024
最近筆者經常提及銀行對按揭的取態表現得相當不積極,不但拖長審批時間,更大幅削減現金回贈,現時各銀行的現金回贈均有所不同,部分銀行將轉按及二手物業按揭的現金回贈減至「零」,他們只向一手新盤及高成數按揭才提供貸款額0.1%-1.4%的現金回贈。不過坊間依然有個別中介公司的廣告以現金回贈為貸款額之2.3%來吸客,到底這個特高現金回贈是否能夠輕易取得呢?今日就由筆者為大家拆解這個糖衣陷阱。Whatsapp: 5662 2730 WHAT'S NEW

按揭中介 | 銀行現金回贈 | 拆解現時「高」現金回贈的糖衣陷阱

最近筆者經常提及銀行對按揭的取態表現得相當不積極,不但拖長審批時間,更大幅削減現金回贈,現...

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05.05.2024
利嘉閣按揭代表董事總總理黃詠欣表示美國聯儲局維持息率不變,同時亦表示下次議息的加息機會不大,不過通脹依然高企,短期內減息機會不大,這意味着第二季極大機會唯持息率不變,並預計需要觀察數個月才能減息,即最快都要在第三季才會出現首次減息。Whatsapp: 5662 2730 WHAT'S NEW

香港減息 | 利嘉閣按揭:美國聯儲局維持息率不變 | 估計最快第三季出現首次減息 銀行削減現金回贈宜及早申請

利嘉閣按揭代表董事總經理黃詠欣表示美國聯儲局維持息率不變,同時亦表示下次議息的加息機會不大...

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02.05.2024
過往筆者曾提及由於「的士司機」都未能提供稅單及糧單,加上「的士司機」都不會每日入數,較難證明其每月總入息,因此部分銀行會有一個內部指引去估算「的士司機」的入息,情況有如「海鮮價」,銀行大致會根據以下兩點去評估﹕其一,的士是屬於「紅的」或是「綠的」﹔其二,司機工作時間是「日更」、「夜更」還是「特更」。例如「紅的」日更司機便估算月入大約2萬多元,夜更3萬元,特更3萬多元等等。不過,這個指引每間銀行不同,而且會按市況調整,在疫情期間,不少銀行都調低了的士司機的月薪估算。而在旺市時,亦曾有銀行估算每月入息達四萬。 WHAT'S NEW

入息要求 | 按揭審批小貼士 |「的士司機」租車竟然更易通過按揭審批

過往筆者曾提及由於「的士司機」都未能提供稅單及糧單,加上「的士司機」都不會每日入數,較難證...

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02.05.2024
客戶過往透過按揭中介申請按揭時,除了向按揭專員了解其入息及所遇到的疑難外,都會關心銀行的按揭現金回贈,而自撤辣後,一手 / 二手盤交投急升,令銀行出現排長龍狀況,令客戶在選擇不同銀行的優惠時多一份考慮,就是銀行批出按揭的時間。Whatsapp: 5662 2730 WHAT'S NEW

銀行取態 | 按揭回贈 | 銀行重拾按揭市場的「話事權」

客戶過往透過按揭中介申請按揭時,除了向按揭專員了解其入息及所遇到的疑難外,都會關心銀行的按...

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19.04.2024
一般來說若果購入的物業之收樓期在半年內,租金開支可以不用計算在「供款佔入息比例」之內,但若果收樓期多於半年,租金開支則要計算在「供款佔入息比例」之內,「供款佔入息比例」突失衡怎算?了解更多Whatsapp: 5662 2730 WHAT'S NEW

按揭審批文件 | 租金開支 | 按揭審批的關鍵文件之一﹕銀行月結單

一般來說若果購入的物業之收樓期在半年內,租金開支可以不用計算在「供款佔入息比例」之內,但若...

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17.04.2024
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利嘉閣按揭代理有限公司 Ricacorp Mortgage Agency Limited

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