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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. 銀行按揭取態

銀行按揭取態

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近期銀行收緊按揭似乎已成為常態,對於有意置業的人士,筆者建議可先向銀行申請預先批核以確保能夠成功批出按揭貸款,畢竟置業是人生大事,除了講求物業質素、物業價格是否合理、區內環境等,其實能否成功敍造按揭亦是不容忽略的一環。 WHAT'S NEW

銀行取態 | 按揭申請指南 | 現時預先批核要注意什麼?

近期銀行收緊按揭似乎已成為常態,對於有意置業的人士,筆者建議可先向銀行申請預先批核以確保能...

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18.07.2024
筆者較早前曾提及「花紅」計算的問題,近日亦收到不少客人查詢相關事宜,其實一直以來每間銀行對於「花紅」的取態及計算可能會有些差異,在過往大部分銀行通常會以最近兩年的花紅總收入再除以24個月而得出每月「花紅」平均數,但隨着銀行收緊對按揭的批核,銀行計算「花紅」的方法亦有所改變。 WHAT'S NEW

入息要求 | 銀行審批花紅條件 | 每間銀行對「花紅」計算大不同

筆者較早前曾提及「花紅」計算的問題,近日亦收到不少客人查詢相關事宜,其實一直以來每間銀行對...

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13.06.2024
相信每個打工仔最期待的一刻必定是公司「派花紅」,大部份人都會認為「花紅」在申請按揭時一定能錦上添花,但原來「花紅」可能會令到按揭批核上出現困難,結果更會弄巧反拙呢!到底以股票形式作為「花紅」銀行會否計算在內呢﹖ WHAT'S NEW

入息要求 | 銀行審批花紅條件 | 「花紅」竟然令按揭批核弄巧反拙?

相信每個打工仔最期待的一刻必定是公司「派花紅」,大部份人都會認為「花紅」在申請按揭時一定能...

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13.06.2024
客人每月薪金為$25,000又沒有其他負債,申請高成數按揭竟然受阻!經我們深入了解後,原來客戶收入是來自兩份正職!銀行會否計算其入息?銀行會考慮哪些因素呢? WHAT'S NEW

高成數按揭 | 9成按揭攻略 | 入息要求 | 一身兼兩職能成功申請高成數按揭嗎﹖

客人每月薪金為$25,000又沒有其他負債,申請高成數按揭竟然受阻!經我們深入了解後,原來...

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12.06.2024
一般來說,若果公司有提供「房屋津貼」,基本上在聘書、糧單或稅單中會清楚列明,銀行在審批時絕對能夠一清二楚,而大部份公司通常透過以下兩個方式發放「房屋津貼」。其一,公司租用物業供受聘人居住,而公司每月直接繳交租金給業主﹔其二,公司每月按指定日子及金額以自動轉帳形式給予受聘人,相信很多人會認為用前者方式發放,銀行未必會當薪金計算,而用後者方式發放情況就如同薪金每月入數一樣,銀行可能會當作薪金計算。 WHAT'S NEW

入息要求 | 銀行審批條件 | 「房屋津貼」會否當作薪金一部份去計算﹖

一般來說,若果公司有提供「房屋津貼」,基本上在聘書、糧單或稅單中會清楚列明,銀行在審批時絕...

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12.06.2024
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
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
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
最近筆者接到不少傳媒查詢,他們想了解一下在樓市撤辣後,銀行按揭取態如何﹖事實上,樓市經過大半年的調整,無論成交量及樓價都有所下調,近半年來大部份銀行對於按揭取態轉為保守。了解更多Whatsapp: 5662 2730 WHAT'S NEW

樓市撤辣 | 銀行按揭取態 | 撤辣後銀行對按揭取態如何?

最近筆者接到不少傳媒查詢,他們想了解一下在樓市撤辣後,銀行按揭取態如何﹖事實上,樓市經過大...

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20.03.2024
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Hotline:2836 6121 / 3103-5656

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

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

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