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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. 樓宇按揭

樓宇按揭

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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
據土地註冊處及利嘉閣按揭最新數據顯示,2023年10月現樓按揭登記宗數連續4個月下跌,按月再跌4.46%(-229宗)至4,705宗,創超過7年新低。與2022年同期比較跌23.48%(-1,444宗)。首10個月計,現樓按揭登記宗數累計有63,080宗,按年跌8.69%(-6,006宗)。 WHAT'S NEW

2023年10月現樓按揭登記連跌4個月 見逾7年新低

據土地註冊處及利嘉閣按揭最新數據顯示,2023年10月現樓按揭登記宗數連續4個月下跌,按月...

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01.11.2023
自從按揭成數喺2023年7月放寬後,1,500萬元以下嘅自住物業,喺按揭保險計劃下最多可以借80%。唔少業主都想趁按揭放寬同埋樓價回落,換更大嘅物業自住,但換樓客都需要面臨一個抉擇,就係「先賣後買」定係「先買後賣」。Whatsapp: 5662 2730 WHAT'S NEW

按揭BB班 | 急急如律令?|「先買後賣」VS「先賣後買」

自從按揭成數喺2023年7月放寬後,1,500萬元以下嘅自住物業,喺按揭保險計劃下最多可以...

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31.10.2023
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
2023跌市買樓攻略│藍籌屋苑現劈價潮? 天水圍嘉湖山莊 2年間跌價近30%? 樓價跌幅已完全抵銷加息的影響? WHAT'S NEW

【2023跌市買樓攻略】加息周期VS樓市回調,劈價盤湧現,如何衡量是否執平貨時機?

樓市交投淡靜,不少業主議價幅度擴大,多區都出現劈價成交,有單位呎價創逾6年新低,與2年前相...

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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
2023年9月現樓按揭登記宗數連續3個月回調,按月跌30.94%(-2,210宗)至4,934宗,為5個月新低。與2022年同期比較跌21.43%(-1,346宗)。 WHAT'S NEW

現樓按揭登記 |2023年 9月現樓按揭登記挫逾30% 見5個月新低

2023年9月現樓按揭登記宗數連續3個月回調,按月跌30.94%(-2,210宗)至4,9...

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04.10.2023
龍頭銀行將上調按息,兼削現金回贈│轉按優惠尾班車! WHAT'S NEW

龍頭銀行將上調按息,兼削現金回贈│轉按優惠尾班車!

繼滙豐上調新造按息及縮減回贈優惠後,中銀香港亦計劃跟隨滙豐調整按息及回贈。兩間銀行都計劃於...

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12.09.2023
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
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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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