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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
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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. 物業套現

物業套現

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現時已全面撤辣,甩名重拾首置身份再置業已不合時宜,但曾透過近親轉讓方式將聯名持有的現契物業甩名轉給家人仍需留意。因爲銀行有可能會認為是「送贈契」,而每間銀行對「送贈契」的取態都不同。了解更多Whatsapp: 5662 2730 WHAT'S NEW

近親轉讓物業 | 送贈契都可以做按揭?

現時已全面撤辣,甩名重拾首置身份再置業已不合時宜,但曾透過近親轉讓方式將聯名持有的現契物業...

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06.06.2025
當我們進一步向原銀行釐清該物業的尚餘按揭貸款額時,銀行方面竟然指出客戶的物業是跟其母親及其弟弟各自的物業合拼為一個按揭貸款去處理,屬於「捆綁式貸款」,其實基本上銀行較少用這種方法去處理住宅按揭,除非當中涉及到商業貸款。 WHAT'S NEW

【2024轉按攻略】「捆綁式貸款」能成功轉按套現嗎﹖

當我們進一步向原銀行釐清該物業的尚餘按揭貸款額時,銀行方面竟然指出客戶的物業是跟其母親及其...

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22.02.2024
於2022年加息周期開始前,於銀行存款可收利息不多,不少人為了賺取更高回報,保費融資 (Premium Financing)一度極為盛行。我們早前已經講解過有關做了保單融資對日後申請按揭的影響,但其實不單新造按揭要留意,連想做轉按一樣有可能受阻。 WHAT'S NEW

2024轉按要注意│做了多份保費融資  影響物業轉按申請?

於2022年加息周期開始前,於銀行存款可收利息不多,不少人為了賺取更高回報,保費融資 (P...

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22.12.2023
這個差距,在早前銀行按揭現金回贈曾一度高達3%時,對有意轉按套現作其他投資的人,仍然算是對沖到增加的成本。可是近日銀行的按揭現金回贈已跌至2%至2.2%的水平,轉按的吸引力,表面上是大減了,實際上,又是否真的無利可圖呢? WHAT'S NEW

【2024轉按攻略】加息周期下,轉按套現再置業,仍有利可圖嗎?

轉按的吸引力,表面上是大減了,實際上,又是否真的無利可圖呢?以太古城的個案做例子,於201...

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14.11.2023
我做按揭係為咗幫人啊2022 lower version 新手爸爸急需資金週轉 WHAT'S NEW

專家樓評: 供樓如何善用物業套現?| 東方日報 | 黃詠欣

受新冠疫情反覆影響,不少家庭面對經濟困境時,會考慮透過物業加按套現去紓困。 如物業已按80...

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25.06.2022
已屆退休年齡的家庭主婦 如何做按揭套現? WHAT'S NEW

按揭求助:已屆退休年齡的家庭主婦 如何做按揭套現? |黃詠欣

已屆退休年齡的家庭主婦 如何做按揭套現? 上月股市波動, 一度跌至萬八點的水平,引用「股神...

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13.04.2022
按揭教室:轉按篇第二回 WHAT'S NEW

【按揭新手懶人包】:轉按篇(下集)

看過上集了解「轉按」的定義及原因後,應該很想知道「轉按」的流程及注意事項吧?以下就為大家解...

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07.04.2022
「新按保」的盲點,市面上有融資機構推出「進階版」按保,樓價5,000萬元以下住宅物業,不論是現樓還是樓花都適用。 WHAT'S NEW

東網on.cc專欄 | 黃詠欣:政府放寬按保 仍有盲點未解決?

自從政府放寬「新按保」樓價上限後,二手成交量即時有起色,特別是800萬至1200萬的中價樓...

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21.03.2022
按揭教室:轉按篇第一回 WHAT'S NEW

【按揭新手懶人包】:轉按篇 (上集)

常聽到『按揭罰息期已過,就可以「轉按」賺回贈』,究竟何謂「轉按」?真的「有著數」嗎? 何謂...

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11.03.2022
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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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