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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
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    • 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. 高成數按揭

高成數按揭

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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
恒地長沙灣新盤曉柏峰,首張價單涉及100伙,發展商提供8種付款方法,扣除最高10%折扣後,折實價由392.13萬元至900.54萬元,折實呎價介乎15,788至19,787元。曉柏峰位處長沙灣西洋菜北街456號,示範單位設於尖沙咀美麗華商場。利嘉閣按揭代理特意為曉柏峰 The Paddington推出「置抵按揭優惠」按揭優惠,按揭成數可高達90%,息率低至H+1.3%,鎖息上限P-2%,即實際按息為4.125厘,同時有高達2.2%的銀行現金回贈,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

曉柏峰 The Paddington 按揭優惠

恒地長沙灣新盤曉柏峰,首張價單涉及100伙,發展商提供8種付款方法,扣除最高10%折扣後,...

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10.11.2023
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
位於香港仔的新盤「澄天 SOUTHSKY」,發展商今日公布首張價單,推出 共 55 個單位,澄天 SOUTHSKY提供專才港島南置業付款計劃,總折扣優惠為售價5%,助買家輕鬆置業,首張價單中單位最低售價6折實為港幣約440萬元起,首張價單單位最低售價6折實實用面積呎價港幣 15,390 元,澄天 SOUTHSKY 第一價單均呎低於2萬元為港島區逾7年來首見。 WHAT'S NEW

澄天 SOUTHSKY 按揭優惠

位於香港仔的新盤「澄天 SOUTHSKY」,發展商今日公布首張價單,推出 共 55 個單位...

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26.10.2023
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
20231017 WHAT'S NEW

睿峰累沽291伙吸金近28億 夥利嘉閣推置業及按揭優惠 | 香港經濟日報

利嘉閣按揭代理為項目推出按揭優惠,提供2種靈活按揭選項,按揭成數皆可高達90%,,其中「置...

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16.10.2023
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
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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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