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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
  2. /
  3. 按揭成數

按揭成數

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一般銀行於批核按揭時,要根據金管局指引,為借款人進行「壓力測試」,模擬按揭息率上升2厘之下,借款人仍然有足夠嘅供款能力。呢個措施係要保障銀行按揭貸款業務於加息周期下,不會出現太大的風險。 Mortgage Tips and Tricks

按揭BB班 | 咩係「壓力測試」?| 供款能力的評估

目前「壓力測試」是以銀行按揭封頂息率/ 最優惠利率(P)按揭計劃嘅息率,加2%,例如現時大...

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13.10.2023
經營小生意或是自僱人士,很多時會不自覺及不知情之下,跌入按揭陷阱。除了可能較難獲批按揭外,更可能令個人戶口被銀行取消,最壞情況有可能被銀行要求提前還款(CALL LOAN),要緊急轉按至其他銀行或財務機構。Whatsapp: 5662 2730 WHAT'S NEW

2023按揭陷阱│經營小生意或自僱人士的按揭陷阱:如何避免與解決?

經營小生意或是自僱人士,很多時會不自覺及不知情之下,跌入按揭陷阱。除了可能較難獲批按揭外,...

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05.10.2023
今次是繼7月7日放寬按保計劃後,短時間內再有放寬措施。按統計,逾75%客戶購買樓花新盤時會選用建期計劃,主因是在這次修定之前,只有600萬元或以下的樓花住宅物業可以申請高成數按揭保險,如樓價超出600萬元,而又想申請高成數按揭,客戶只可以待物業入伙時才能申請按揭。因此,過去選用建期付款計劃的客戶,大幅高於選用即供計劃客戶。 WHAT'S NEW

2023放寬按揭 | 放寬樓花按揭後,即供與建期付款該如何選擇?

政府再放寬樓花住宅物業按揭成數上限 | 將其與已落成住宅物業的按揭保險條款看齊,修訂適用於...

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29.09.2023
利嘉閣按揭黃詠欣:美國聯儲局鷹派立場未變 港銀年內仍有機會再加P WHAT'S NEW

利嘉閣按揭黃詠欣:美國聯儲局鷹派立場未變 港銀年內仍有機會再加最優惠利率(P)

美國聯儲局議息後維持息率不變。至於香港方面,滙豐銀行亦宣布維持最優惠利率(P)於5.875...

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21.09.2023
由建灝地產集團策劃發展,九龍塘住宅項目「SUTTON 文曜」發放第1 號價單1。第1 號價單包括之首批單位扣除最高達售價27%折扣優惠後首批最低折實呎價由15,730元起,折實平均呎價18,488元,最低折實售價598.8萬元。項目爲現樓。 WHAT'S NEW

文曜 SUTTON 按揭優惠

利嘉閣按揭代理亦特意為「文曜 SUTTON」的買家推出按揭優惠,買家可享按揭成數高達90%...

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20.09.2023
由路勁地產集團有限公司 及深圳控股有限公司携手策劃發展,屯門掃管笏的全新國際級都岸生活企劃「MORI 凱和山」發放第1 號價單1。第1 號價單包括之首批單位扣除最高達售價18%折扣優惠後,合約所列樓價的實用面積呎價由HK$9,168(第1 座1 樓G 室,實用面積5:576 平方呎)起。預計關鍵日期爲30/06/2024。 WHAT'S NEW

凱和山 MORI 按揭優惠

凱和山 MORI 按揭優惠 以上計劃細節詳情及有關現金回贈計算或更多優惠,請向按揭專員查詢...

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15.09.2023
2023凶宅按揭謎題│凶宅不一定有「凶案」,住戶在家病逝亦算凶宅?會影響按揭審批? WHAT'S NEW

2023凶宅按揭謎題│凶宅不一定有「凶案」,住戶在家病逝亦算凶宅?會影響按揭審批?

真實個案:曾有住戶於單位內混服了妻子的舊藥和私家醫院開服的藥物後,於睡夢中離世,經傳媒廣泛...

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05.09.2023
8月份現樓按揭登記首四位銀行巿佔率按月不變維持78.8%。中銀香港超前滙豐現樓按揭重返冠軍位置。 WHAT'S NEW

2023年8月份現樓按揭登記連跌2個月 中銀香港重奪現樓市佔榜首

據土地註冊處及利嘉閣按揭最新數據顯示,2023年8月現樓按揭登記宗數連續2個月回調,按月跌...

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05.09.2023
供樓利息上升令不少家庭選擇租樓,「供平過租」定律時至今日是否已經玩完?今次探討究竟是租樓划算,還是買磚頭更著數。Wts: 5662 27320 WHAT'S NEW

教你入伙 | 租vs供大對決!「供平過租」時代已成過去? |一文看清兩者優劣 | 橙新聞

自從去年3月踏進加息周期,加上種種因素,香港樓市結束廿年升市,轉勢調頭下跌;相反,供樓利息...

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25.08.2023
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If you have any feedback, please contact us through the following method:

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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