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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
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    • Mortgage Tips and Tricks
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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. 新按保

新按保

「新按保」計劃,進一步放寬了高成數按揭的樓價上限,「新按保」只適用於 已落成住宅物業,同時是不能用作套現的。

「新按保」原本是指政府於2019年 10月推出俗稱「林鄭PLAN」的計劃,但於2022 年2月23日,政府把「林鄭PLAN」再升級,由於在《財政預算案》中公布,市場又稱為「財爺PLAN」或「茂波Plan」。

升級版的「新按保」,首次置業人士(首置客)透過按揭保險申請90%按揭貸款,樓價上限由「林鄭PLAN」時的800萬元進一步調升至1,000萬元;1,000萬元以上至1125萬元以下物業,最高按揭成數80%至90%,貸款上限900萬元;1200萬元或以下,最高按揭成數為80%。

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揹住層樓都可以做擔保人? WHAT'S NEW

【#按揭快問快答】揹住層樓都可以做擔保人?

最近收到查詢:有位廿四孝爸爸打算做擔保人,協助即將結婚上車的兒子置業。不過,因為他持有的物...

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29.10.2020
新盤建期變即供,按揭遇阻滯? WHAT'S NEW

一手盤按揭系列: 新盤建期變即供,按揭遇阻滯?

真實按例分享: 近日我們接到新盤買家的求助個案。 個案背景: 早前揀選「建築期付款」計劃買...

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10.08.2020
20200511 定息VS浮息 WHAT'S NEW

定息按揭大解構

搵工,人人都想搵份收入穩定的;但是否所有事,都如 「搵工」 一樣,適合穩穩陣陣呢? 近日,...

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12.06.2020
20200305 01 WHAT'S NEW

傳有按保公司放慢新按保的申請,高成數按揭無選擇?

眾所周知,市場上有 3間按保公司,分別為HKMC、QBE及AIG,當中AIG 早已不太接申...

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11.02.2020
新按保解謎系列:轉按點計先有著數?( 下集 ) WHAT'S NEW

新按保解謎系列:轉按點計先有著數?( 下集 )

上期講到,按A生原意,套現成本頗高。 事實上,如此操作不單止成本高,仲伴隨相應風險! 風險...

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03.12.2019
"轉按" 或加按套現 點計先有著數?(上集) WHAT'S NEW

新按保解謎系列: “轉按” 或加按套現 點計先有著數?(上集)

新按保下,1000萬元物業可以借到80%,令到坊間又出現一堆”套現財技R...

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29.11.2019
20191126 01 Mortgage Tips and Tricks

新按保系列:兩大常犯錯誤,可能令你被拒批!

繼上次答疑後,小編發現不少人對新按保計劃仍存在誤解! 誤解1:壓力測試不再存在? 事實: ...

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26.11.2019
20191122 04 WHAT'S NEW

新按保解謎系列:申請時間要多久?

政府放寬按保不經不覺已經一個月有多,今篇文章小編便為大家總結了兩個常見問題答問: Q1:申...

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22.11.2019
20191107 01 1 WHAT'S NEW

新按保解謎系列:滙豐銀行內部指引,如何計壓力測試?

小編為大家拆解一下,有媒體引述滙豐銀行推出的新按保指引,到底是如何計算呢? 滙豐這個指引,...

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07.11.2019
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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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