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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
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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
  2. /
  3. 按市動態

按市動態

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美國聯儲局一如預期減息0.5厘,聯邦基金利率下調至介乎4. 75厘至5厘,是近4年半以來首次減息,美國聯儲局更加表示減息陸續有來。利嘉閣按揭代理董事總經理黃詠欣指,美國減息周期正開始,以現時美國就業市場數據,減息行動未會過於激進,減息半厘亦屬市場所預期的範圍。 WHAT'S NEW

香港減息周期 | 美國減息半厘 港跟隨步伐 | 利嘉閣按揭黃詠欣:銀行轉趨積極  料更多以「快閃」優惠吸客

美國聯儲局一如預期減息0.5厘,聯邦基金利率下調至介乎4. 75厘至5厘,是近4年半以來首...

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20.09.2024
早前有節目講述一宗懷疑「空中釘」個案致買家七十萬訂金血本無歸的報道引起全城嘩然。當土地查冊未能完全保障買家利益時,何時「放訂」予賣方才算穩陣?只買過新樓盤的朋友未必認識釘契樓,簡而言之,所謂「釘契」是指一個物業因業主之行為觸犯某些規例(如違反《建築物條例》僭建、違反公契養狗等),或自身負債而正被銀行甚或政府經法律程序追討,相關的產權負擔就會被登記於土地註冊處的土地登記冊上,一旦業主出售物業或申請破產,土地註冊處就會按登記人的權益和登記先後安排還款。 News Channel

空中釘 | 物業二按 | 資金周轉不靈陷財困? 留意空中釘及二按有何分別

早前有節目講述一宗懷疑「空中釘」個案致買家七十萬訂金血本無歸的報道引起全城嘩然。當土地查冊...

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20.09.2024
由英皇集團發展的跑馬地宏德街1號前英皇駿景酒店重建項目新盤「One Jardine Lookout」公布首張價單,One Jardine Lookout 位於跑馬地宏德街1號。首張價單提供50伙單位。One Jardine Lookout 首張價單實用面積231至559方呎,涉及18伙一房、11伙兩房及21伙三房單位,折實售價由415.8萬至約1072萬元,折實呎價15888至20650元;以最高折扣10%計算,單位折實價由415.8萬至約1,072萬元,折實呎價15,888元至20,650元。One Jardine Lookout 位於跑馬地宏德街1號,One Jardine Lookout 示範單位設於跑馬地宏德街1號。 WHAT'S NEW

One Jardine Lookout 按揭優惠

由英皇集團發展的跑馬地宏德街1號前英皇駿景酒店重建項目新盤「One Jardine Loo...

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20.09.2024
美國聯儲局將於九月十九日公布新一輪議息結果,主席鮑威爾早前表明現在到了政策調整之時,市場預期今次將會宣佈減息,餘下的疑問只是到底是減0.25厘抑或是0.5厘,而坊間暫時減0.25厘的呼聲較高,畢竟減0.5厘或加劇大家對經濟前景的憂慮。 WHAT'S NEW

美國減息 | 減息周期 | 減息前夕香港銀行取態 現金回贈有望可升?

美國聯儲局將於九月十九日公布新一輪議息結果,主席鮑威爾早前表明現在到了政策調整之時,市場預...

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11.09.2024
理論上,發展商延遲成交期未必會對建期買家造成損失。比方說,如項目落成之前利率不斷下調,樓市回暖以致銀行估價較進取,發展商延遲成交期或恰巧令買家省卻「抬錢上會」的煩惱。不過反過來說,當樓市下行時,買家就有機會因為物業估價不足,而需要預備額外資金向銀行補足差額。 WHAT'S NEW

成交期 | 延遲成交 | 延遲成交期未必是壞事!一款入息或選即供較著數?

理論上,發展商延遲成交期未必會對建期買家造成損失。比方說,如項目落成之前利率不斷下調,樓市...

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11.09.2024
由中國海外發展的啟德海灣半島新盤「維港‧雙鑽 Twin Victoria」公布首張價單,維港‧雙鑽 Twin Victoria 位於新九龍內地段第6603號。首張價單提供141伙單位。維港‧雙鑽 Twin Victoria 首張價單涵蓋18伙開放式,76伙一房及47伙兩房,實用面積介乎247至493方呎,價單定價由448.2萬至1,138.5萬元,呎價介乎18,146元至23,093元;以最高折扣10%計算,單位折實售價由403.3萬至1,024.6萬元,折實呎價介乎16,328元至20,783元。維港‧雙鑽 Twin Victoria 位於新九龍內地段第6603號,維港‧雙鑽 Twin Victoria 示範單位設於九龍灣國際交易中心26樓。 WHAT'S NEW

維港‧雙鑽 Twin Victoria 按揭優惠

由中國海外發展的啟德海灣半島新盤「維港‧雙鑽 Twin Victoria」公布首張價單,維...

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09.09.2024
事實上近期銀行對按揭取態有所轉變,部份銀行開始爭取第四季及來年的按揭生意,相信除了因為當局關注外,最大原因是市場預計美國將於9月減息,再加上近幾星期一個月銀行同業拆息持續下調,今日(30/8)一個月銀行同業拆息為3.93%,比上月同期的4.54%已有明顯下調,持續了一年的拆息高於按息的局面終於停止,亦反映了銀行的資金成本壓力有所舒緩。 WHAT'S NEW

減息 | 按揭申請 | 銀行按揭取態有轉變,難搞個案有得傾﹗

事實上近期銀行對按揭取態有所轉變,部份銀行開始爭取第四季及來年的按揭生意,相信除了因為當局...

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03.09.2024
今年二月的財政預算案將實施了十多年的樓市辣招全面撤銷,當中包括取消打擊摸貨炒賣的額外印花稅(SSD),當時有人推測會導致「摸貨」重臨,亦擔心會助長短炒風氣,現時撤辣已有半年多的時間,到底以上推測有否出現呢﹖ WHAT'S NEW

香港樓市 | 按揭申請 | 炒樓摸貨?購入「短炒獲利」單位,申請按揭有難度﹗

今年二月的財政預算案將實施了十多年的樓市辣招全面撤銷,當中包括取消打擊摸貨炒賣的額外印花稅...

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03.09.2024
購買火險並非法例要求,不過本地銀行在審批按揭時,一般會要求業主購買火險,有些銀行會贈送罰息期的首年或頭兩年的火險保費,而普遍業主為求方便,都會在申請按揭時順道經銀行購買火險。惟讀者要留意經銀行購買火險的保費或較自行購買高,例如有銀行推出的火險分為基本保障和全面保障兩個計劃,前者保費率為0.11%,後者則為0.15%;坊間有保險公司的火險保費率可以低見0.038%,若以投保額300萬計算,一個年度的保費差距可以多達3360元。以上火險保費率僅供參考,最終保費乃受樓宇的類型、樓齡及物業面積等因素影響。 WHAT'S NEW

火險攻略2025 | 按揭火險 | 火險選擇種類多 受保範圍需留神

購買火險並非法例要求,不過本地銀行在審批按揭時,一般會要求業主購買火險,有些銀行會贈送罰息...

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03.09.2024
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