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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
  • Apply Now
  • Latest News
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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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當我們進一步向原銀行釐清該物業的尚餘按揭貸款額時,銀行方面竟然指出客戶的物業是跟其母親及其弟弟各自的物業合拼為一個按揭貸款去處理,屬於「捆綁式貸款」,其實基本上銀行較少用這種方法去處理住宅按揭,除非當中涉及到商業貸款。 WHAT'S NEW

【2024轉按攻略】「捆綁式貸款」能成功轉按套現嗎﹖

當我們進一步向原銀行釐清該物業的尚餘按揭貸款額時,銀行方面竟然指出客戶的物業是跟其母親及其...

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22.02.2024
在申請按揭時提交香港身份證作為證明文件看似是一件普通不過的事,但原來身份證上暗藏玄機,稍有不慎便有機會影響按揭申請呢!Whatsapp: 5662 2730 WHAT'S NEW

按揭小百科 | 銀行取態 | 有香港身份證就做到「一卡旁身就可以按揭通行」?

在申請按揭時提交香港身份證作為證明文件看似是一件普通不過的事,但原來身份證上暗藏玄機,稍有...

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20.02.2024
按揭擔保人 | 一手新盤買家留意 | 一手建期宜及早準備 鋒迴路轉差點放棄? WHAT'S NEW

按揭擔保人 | 一手新盤買家留意 | 一手建期宜及早準備 鋒迴路轉差點放棄?

近日,我們就處理一個跟進了兩年的個案。客戶於2022年購入一手新盤,當時樓價約為600萬,...

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15.02.2024
【工廈按揭2024】 | 工商物業按揭 | 自僱新鮮人買工廈擴充,未有税單申請按揭有困難? WHAT'S NEW

【工廈按揭2024】 | 工商物業按揭 | 自僱新鮮人買工廈擴充,未有税單申請按揭有困難?

經營小生意或是自僱人士,很多時候會想著反正也是自己公司自負盈虧,未必會按時出糧給自己,更可...

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15.02.2024
同大家溫故知新一下,在申請按揭時,如以入息審批,當中包括每月薪金、佣金、花紅及雙糧等都會被計算在內,但若果以上種種經計算後都未能通過銀行入息要求,屆時租金收入可能幫到一把﹗Whatsapp: 5662 2730 WHAT'S NEW

【入息要求】| 入息唔夠計?租金收入可能幫到手!

銀行如何計算租金收入呢﹖金管局過往曾向銀行發出指引,要求銀行在計算借款人供款佔收入比率時,...

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29.01.2024
問問大家一個問題,假設你在申請按揭時要求加入按揭擔保人,你會選擇加一位年屆61歲任職工程主任的親人還是加一位63歲任職保安員的親人作為擔保人呢﹖相信大家心中已有答案,今天就跟大家分享兩個按揭實例,可能會顛覆大家固有想法。Whatsapp: 5662 2730 WHAT'S NEW

【按揭擔保人】| 保安 VS 工程師邊個入息較穩定?銀行一個原因解釋!

問問大家一個問題,假設你在申請按揭時要求加入按揭擔保人,你會選擇加一位年屆61歲任職工程主...

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26.01.2024
2024內地專才按揭案例分享│收入唔夠買樓 內地妻可做按揭擔保人?香港政府著力吸引海外人才及資金來港,對符合指定輸入人才計劃的人士及以投資移民計劃入境人士,推出置業印花稅「先免後徵」的安排。「先免後徵」由2023年10月25日實施以來,已有數百宗申請,而我們亦接到不少查詢,而且已有一些成功批出按揭的個案,可與大家分享。 WHAT'S NEW

2024內地專才按揭案例分享│收入唔夠買樓 內地妻可做按揭擔保人?

「先免後徵」由2023年10月25日實施以來,已有數百宗申請,而我們亦接到不少查詢,而且已...

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15.01.2024
新嘅一年,制定好今年嘅計劃未呢?趁樓價回調,買樓會唔會係今年嘅目標之一?買樓申請按揭其中最重要嘅環節,係通過銀行嘅按揭貸款入息要求!農曆年前,係唔少公司出花紅或雙糧嘅時間,如果今年收到花紅及雙糧,可唔可以計埋做入息嘅一部分呢?如果公司預告首季會加薪,又可唔可以即刻用未來加薪後入息申請按揭呢?Whatsapp: 5662 2730 WHAT'S NEW

【按揭BB班】| 按揭入息要求 | 新一年升職加薪兼出雙糧花紅,買樓做按揭時點計入息?

新嘅一年,制定好今年嘅計劃未呢?趁樓價回調,買樓會唔會係今年嘅目標之一?買樓申請按揭其中最...

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08.01.2024
於2022年加息周期開始前,於銀行存款可收利息不多,不少人為了賺取更高回報,保費融資 (Premium Financing)一度極為盛行。我們早前已經講解過有關做了保單融資對日後申請按揭的影響,但其實不單新造按揭要留意,連想做轉按一樣有可能受阻。 WHAT'S NEW

2024轉按要注意│做了多份保費融資  影響物業轉按申請?

於2022年加息周期開始前,於銀行存款可收利息不多,不少人為了賺取更高回報,保費融資 (P...

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22.12.2023
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Hotline:2836 6121 / 3103-5656

Address: 14/F., CENTRE POINT, 181-185 GLOUCESTER ROAD, WANCHAI, H.K.

Email: enquiry@ricacorp.com / cs@ricacorp.com



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

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