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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
    • News Channel
    • Mortgage Statistics
    • Market Research
    • Mortgage Tips and Tricks
  • Contact Us
  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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樓價下跌,近5年購入的一手單位,部分最新估值已較當年買入價跌15%至20%,如當年是選用發展商一按貸款的話,現時息率已經步入最高息的階段,即是供款息率有可能已高於銀行最優惠利率(P)的水平,部分發展商一按於3至5年後,息率會升至P+1%或P+2%,以現時P為5.875%,即實際供款息率可能達6.875%。Whatsapp: 5662 2730 WHAT'S NEW

2024呼吸PLAN轉按策略│【發展商按揭】借發展商呼吸PLAN,息率已升至6.875% 為何能堅持供下去?

樓價下跌,近5年購入的一手單位,部分最新估值已較當年買入價跌15%至20%,如當年是選用發...

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06.12.2023
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
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
黃詠欣指,2023施政報告放寬措施中,預計最大及最明顯受惠會是白居二及綠表買家。過去未補價資助房屋,受30年擔保期限制,一般銀行對於樓齡較大,貼近擔保期尾聲的未補價資助房屋單位,會縮減按揭年期或按揭成數,窒礙二手資助房屋的流轉。全港目前有近90%的居屋單位樓齡超過20年,樓齡超過30年的有逾40%,相信是次放寬之下,市場上大部分的未補價單位都可以做到最長25年期90%按揭(俗稱925按揭),白居二以至綠表買家可選擇的單位會大幅增加,居屋交投量,預計亦會明顯增加。 WHAT'S NEW

2023施政報告 | 利嘉閣按揭黃詠欣:全方位減辣,幅度符預期 | 料樓市交投轉活  未補價居屋按揭轉旺

黃詠欣指,2023施政報告放寬措施中,預計最大及最明顯受惠會是白居二及綠表買家。過去未補價...

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25.10.2023
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
利嘉閣按揭為THE VERTEX睿峰項目買家提供2種按揭優惠,利嘉閣按揭代理董事總經理黃詠欣說,2種優惠按揭成數皆高達90%,其中「置低息」計劃,按息全期低至H加1.3%,封頂息率低至3.625厘,現金回贈高達1.2%。另外,亦設有「置高回贈」計劃,封頂息率低至4.125%,現金回贈高達2.8%。 WHAT'S NEW

THE VERTEX睿峰 | 熱辣新盤放送|睿峰夥利嘉閣推置業優惠 | 星島頭條

利嘉閣按揭為THE VERTEX睿峰項目買家提供2種按揭優惠,利嘉閣按揭代理董事總經理黃詠...

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17.10.2023
鼎珮持有長沙灣現樓睿峰,2月以現樓銷售至今暫沽102伙、套現近12億元,項目與利嘉閣合作推出,即日起至10月31日,經該行購入項目兩房單位首3名買家,可獲贈3萬元旅遊禮券;另利嘉閣按揭為項目買家提供兩款按揭,按揭成數最高均為90%,其中「置低息」計劃,按息全期H加1.3%,封頂息率3.625厘,現金回贈1.2%。至於「置高回贈」計劃,封頂息率低至4.125厘,現金回贈2.8%。Whatsapp: 5662 2730 WHAT'S NEW

THE VERTEX睿峰 | 利嘉閣向睿峰兩房買家送3萬旅遊禮券 | 明報財經

鼎珮持有長沙灣現樓睿峰,2月以現樓銷售至今暫沽102伙、套現近12億元,項目與利嘉閣合作推...

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17.10.2023
此外,利嘉閣按揭代理亦公布為項目買家度身訂造最新按揭優惠,提供2種靈活按揭選項,按揭成數皆可高達90%,配合不同客戶需要,其中「置低息」計劃,息率低至H加1.3厘,鎖息上限P減2.5厘(P為6.125厘),即實際按息為3.625厘,屬市場上最優惠的利率水平,同時有高達1.2%的銀行現金回贈。另外,亦設有「置高回贈」計劃,全期利息低至 P減2厘 (P為6.125厘),實際按息為4.125厘,有高達2.8%的銀行現金回贈,兩個計劃皆附送高息存款戶口,客戶可把備用資金存入高息戶口,享與供息率一致的存款息率,節省部分利息開支。 WHAT'S NEW

THE VERTEX睿峰 | 長沙灣新盤|睿峰重啟銷售後累沽102伙 夥利嘉閣推置業及按揭優惠 | am730

此外,利嘉閣按揭代理亦公布為項目買家度身訂造最新按揭優惠,提供2種靈活按揭選項,按揭成數皆...

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16.10.2023
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利嘉閣按揭代理有限公司 Ricacorp Mortgage Agency Limited

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