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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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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
近期接獲不少國內客查詢按揭事宜,當中發現國内客對「按揭方面與香港人看齊」產生了美麗的誤會,有部分國內客以為香港人向銀行申請按揭只需出示身份證及買賣合約,並證明收入足夠供款便可批出貸款。但其實申請按揭還需要遞交不同的入息證明文件,究竟有甚麼要留意?Whatsapp: 5662 2730 WHAT'S NEW

内地收入 | 入息證明 | 撤辣後國內客紛紛入市,按揭批核是否容易?

近期接獲不少國內客查詢按揭事宜,當中發現國内客對「按揭方面與香港人看齊」產生了美麗的誤會,...

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10.04.2024
去年資助房屋小組委員會已通過放寬資助出售單位的按揭安排,新居屋、綠置居及租置計劃單位新安排由2024年1月1日起生效,二手資助出售房屋新安排則由2024年3月1日起生效。不過坊間可能對於到底資助房屋樓齡多少才能適用於新安排仍存在疑問,今日筆者為大家講解一下2024居屋按揭攻略。Whatsapp: 5662 2730 WHAT'S NEW

2024/2025居屋按揭攻略

去年資助房屋小組委員會已通過放寬資助出售單位的按揭安排,新居屋、綠置居及租置計劃單位新安排...

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08.04.2024
有時候大家可能忽略信用咭的一些小細節,稍有不慎便會令信貸評級受到影響,屆時按揭批核便可能出現阻滯呢﹗Whatsapp: 5662 2730 WHAT'S NEW

信貸評級 | 信用咭影響按揭?| 切勿忽略信用咭小細節 否則誤變成沒有信用的人

有時候大家可能忽略信用咭的一些小細節,稍有不慎便會令信貸評級受到影響,屆時按揭批核便可能出...

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28.03.2024
誤做擔保人而影響按揭批核的個案屢見不鮮,曾經有一位客戶在申請按揭時才發現其信貸評級跌至II級別,究其原因?假如打算做按揭擔保人,請先要留意幾點!Whatsapp: 5662 2730 WHAT'S NEW

按揭擔保人 | 唔介意做擔保?分分鐘令到自身難保!

誤做擔保人而影響按揭批核的個案屢見不鮮,曾經有一位客戶在申請按揭時才發現其信貸評級跌至II...

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21.03.2024
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利嘉閣按揭代理有限公司 Ricacorp Mortgage Agency Limited

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