{"id":403,"date":"2026-03-08T20:07:24","date_gmt":"2026-03-08T20:07:24","guid":{"rendered":"https:\/\/gicl.com.hk\/?p=403"},"modified":"2026-04-23T22:37:02","modified_gmt":"2026-04-23T14:37:02","slug":"debt-consolidation-second-mortgage-guide-2026","status":"publish","type":"post","link":"https:\/\/gicl.com.hk\/en\/debt-consolidation-second-mortgage-guide-2026\/","title":{"rendered":"\u6025\u9700\u8cc7\u91d1\u5468\u8f49\uff1f\u5229\u7528\u7269\u696d\u4e8c\u6309\u6e05\u5361\u6578 \uff1a\u696d\u4e3b\u5fc5\u770b\u7684\u300c\u52a0\u6309\u5957\u73fe\u300d\u6210\u529f\u6848\u4f8b\uff082026\u5e744\u6708\u66f4\u65b0\uff09"},"content":{"rendered":"\n<div class=\"wp-block-group gicl-post2\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<p>\u6bcf\u6708\u6536\u5230\u4fe1\u7528\u5361\u50ac\u6536\u96fb\u8a71\uff0c\u5229\u606f\u6108\u6efe\u6108\u591a\uff1f\u9280\u884c\u56e0\u4fe1\u8cb8\u8a55\u7d1a (TU) \u4f4e\u800c\u62d2\u6279\u79c1\u4eba\u8cb8\u6b3e\uff1f\u5176\u5be6\u53ea\u8981\u4f60\u540d\u4e0b\u6709\u7269\u696d\uff0c\u5c31\u7b97\u5df2\u6709\u9280\u884c\u4e00\u6309\u5728\u8eab\uff0c\u4ecd\u53ef\u900f\u904e<strong><a href=\"https:\/\/gicl.com.hk\/second-mortgage\">\u6a13\u5b87\u4e8c\u6309<\/a><\/strong>\u6216<strong><a href=\"https:\/\/gicl.com.hk\/mortgage-refinancing-cash-out-2026\/\">\u52a0\u6309\u5957\u73fe<\/a><\/strong>\uff0c\u4e00\u6b21\u904e\u6e05\u9084\u6240\u6709\u5361\u6578\u53ca\u79c1\u4eba\u8cb8\u6b3e\uff0c\u91cd\u65b0\u638c\u63e1\u8ca1\u52d9\u4e3b\u52d5\u6b0a\u3002<\/p>\n\n\n\n<p>\u672c\u6587\u5c07\u8a73\u7d30\u62c6\u89e3\u300c<strong>\u4e8c\u6309<\/strong>\u6e05\u5361\u6578\u300d\u7684\u904b\u4f5c\u539f\u7406\uff0c\u4e26\u5206\u4eab GICL \u74b0\u7403\u4fe1\u8cb8\u7684\u771f\u5be6\u6210\u529f\u6848\u4f8b\uff0c\u52a9\u4f60\u4e86\u89e3\u5982\u4f55\u900f\u904e<strong>\u52a0\u6309\u5957\u73fe<\/strong>\u5728\u77ed\u6642\u9593\u5167\u64fa\u812b\u50b5\u52d9\u56f0\u64fe\uff0c\u5229\u7528\u300c\u96b1\u5f62\u501f\u8cb8\u300d\u512a\u52e2\u6539\u5584\u8ca1\u52d9\u72c0\u6cc1\u3002<\/p>\n\n\n\n<p>\u300c\u60f3\u77e5\u9053\u60a8\u7684\u7269\u696d\u80fd\u5957\u73fe\u591a\u5c11\uff1f\u7acb\u5373\u67e5\u770b GICL&nbsp;<a href=\"https:\/\/gicl.com.hk\/second-mortgage\/\">\u6a13\u5b87\u4e8c\u6309\u8cb8\u6b3e\u65b9\u6848<\/a>\uff0c\u514d TU \u6700\u5feb 24 \u5c0f\u6642\u6279\u6838\u3002\u300d<\/p>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>\u6587\u7ae0\u76ee\u9304\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"#2026%20%E8%BF%91%E6%B3%81%EF%BC%9A%E8%B2%A0%E8%B3%87%E7%94%A2%E8%88%87%E4%BF%A1%E8%B2%B8%E7%92%B0%E5%A2%83\">2026 \u8fd1\u6cc1\uff1a\u8ca0\u8cc7\u7522\u8207\u4fe1\u8cb8\u74b0\u5883<\/a><\/li>\n\n\n\n<li><a href=\"#%E7%82%BA%E4%BB%80%E9%BA%BC%E9%81%B8%E6%93%87%E3%80%8C%E4%BA%8C%E6%8C%89%E3%80%8D%E6%B8%85%E5%8D%A1%E6%95%B8%EF%BC%9F%E6%AF%94%E9%8A%80%E8%A1%8C%E7%A7%81%E8%B2%B8%E5%A5%BD%E5%9C%A8%E5%93%AA%EF%BC%9F\">\u70ba\u4ec0\u9ebc\u9078\u64c7\u300c\u4e8c\u6309\u300d\u6e05\u5361\u6578\uff1f\u6bd4\u9280\u884c\u79c1\u8cb8\u597d\u5728\u54ea\uff1f<\/a><\/li>\n\n\n\n<li><a href=\"#%E4%BA%8C%E6%8C%89%E6%B8%85%E6%95%B8%203%20%E5%A4%A7%E5%84%AA%E5%8B%A2%EF%BC%9A%E5%85%8D%E5%85%A5%E6%81%AF%E3%80%81%E6%85%B3%E6%81%AF%E3%80%81%E6%95%91%20TU\">\u4e8c\u6309\u6e05\u6578 3 \u5927\u512a\u52e2\uff1a\u514d\u5165\u606f\u3001\u6173\u606f\u3001\u6551 TU<\/a><\/li>\n\n\n\n<li><a href=\"#%E3%80%8C%E6%A8%93%E5%AE%87%E4%BA%8C%E6%8C%89%E3%80%8Dvs%E3%80%8C%E5%8A%A0%E6%8C%89%E5%A5%97%E7%8F%BE%E3%80%8D%EF%BC%9A%E6%9C%89%E4%BD%95%E5%88%86%E5%88%A5%EF%BC%9F\">\u300c\u6a13\u5b87\u4e8c\u6309\u300dvs\u300c\u52a0\u6309\u5957\u73fe\u300d\uff1a\u6709\u4f55\u5206\u5225\uff1f<\/a><\/li>\n\n\n\n<li><a href=\"#%E6%B8%85%E5%8D%A1%E6%95%B8%E6%96%B9%E6%A1%88%E5%B0%8D%E6%AF%94%EF%BC%9A%E6%A8%93%E5%AE%87%E4%BA%8C%E6%8C%89%20vs%20%E7%A7%81%E4%BA%BA%E8%B2%B8%E6%AC%BE%20vs%20%E4%BF%A1%E7%94%A8%E5%8D%A1%20Min%20Pay\">\u6e05\u5361\u6578\u65b9\u6848\u5c0d\u6bd4\uff1a\u6a13\u5b87\u4e8c\u6309 vs \u79c1\u4eba\u8cb8\u6b3e vs \u4fe1\u7528\u5361 Min Pay<\/a><\/li>\n\n\n\n<li><a href=\"#%E7%9C%9F%E5%AF%A6%E6%A1%88%E4%BE%8B%E5%88%86%E4%BA%AB%EF%BC%9AGICL%20%E5%A6%82%E4%BD%95%E5%8A%A9%E6%A5%AD%E4%B8%BB%E7%BF%BB%E8%BA%AB\">\u771f\u5be6\u6848\u4f8b\u5206\u4eab\uff1aGICL \u5982\u4f55\u52a9\u696d\u4e3b\u7ffb\u8eab<\/a><\/li>\n\n\n\n<li><a href=\"#%E5%A6%82%E4%BD%95%E7%94%B3%E8%AB%8B%E4%BA%8C%E6%8C%89%E6%B8%85%E6%95%B8%EF%BC%9F5%20%E6%AD%A5%E6%A5%B5%E9%80%9F%E5%A5%97%E7%8F%BE\">\u5982\u4f55\u7533\u8acb\u4e8c\u6309\u6e05\u6578\uff1f5 \u6b65\u6975\u901f\u5957\u73fe<\/a><\/li>\n\n\n\n<li><a href=\"#%E5%B8%B8%E8%A6%8B%E5%95%8F%E9%A1%8C%20FAQ\">\u5e38\u898b\u554f\u984c FAQ<\/a><\/li>\n<\/ul>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"2026 \u8fd1\u6cc1\uff1a\u8ca0\u8cc7\u7522\u8207\u4fe1\u8cb8\u74b0\u5883\">2026 \u8fd1\u6cc1\uff1a\u8ca0\u8cc7\u7522\u8207\u4fe1\u8cb8\u74b0\u5883<\/h2>\n\n\n\n<p>\u8e0f\u5165 2026 \u5e74\uff0c\u5e02\u5834\u518d\u6b21\u95dc\u6ce8\u300c\u8ca0\u8cc7\u7522\u300d\u8207\u501f\u8cb8\u98a8\u96aa\u3002\u6839\u64da\u9999\u6e2f\u91d1\u878d\u7ba1\u7406\u5c40 2026 \u5e74 1 \u6708\u516c\u4f48\u7684\u6700\u65b0\u6578\u64da\uff0c2025 \u5e74\u7b2c 4 \u5b63\u672b\u8ca0\u8cc7\u7522\u4f4f\u5b85\u6309\u63ed\u8cb8\u6b3e\u5b97\u6578\u70ba 21,304 \u5b97\u3002\u96d6\u7136\u6578\u5b57\u8f03\u9ad8\u5cf0\u671f\u56de\u843d\uff0c\u4f46\u4ecd\u53cd\u6620\u90e8\u5206\u696d\u4e3b\u6b63\u9762\u5c0d\u8cc7\u7522\u8cb6\u503c\u7684\u58d3\u529b\u3002<\/p>\n\n\n\n<p>\u540c\u4e00\u6642\u9593\uff0c\u91d1\u7ba1\u5c40\u7684\u300c\u4e2d\u5c0f\u4f01\u8cb8\u6b3e\u72c0\u6cc1\u8abf\u67e5\u300d\u4ea6\u986f\u793a\uff0c\u4e0d\u5c11\u4e2d\u5c0f\u4f01\u53ca\u696d\u4e3b\u611f\u89ba\u9280\u884c\u6279\u6838\u53d6\u614b\u8f03\u70ba\u5be9\u614e\u3002\u5c0d\u65bc\u540c\u6642\u80cc\u8ca0\u591a\u7b46\u5361\u6578\u3001\u79c1\u4eba\u8cb8\u6b3e\uff0c\u53c8\u6025\u9700\u5468\u8f49\u7684\u696d\u4e3b\u4f86\u8aaa\uff0c\u300c\u5148\u6b62\u8840\u300d\u5f80\u5f80\u6bd4\u300c\u82e6\u7b49\u9280\u884c\u6279\u6838\u300d\u66f4\u91cd\u8981\u3002<\/p>\n\n\n\n<p>\u5982\u679c\u4f60\u6b63\u88ab\u4fe1\u7528\u5361\u7684\u9ad8\u606f\uff08\u5e74\u5229\u7387\u4e00\u822c\u7d04 30%-40%\uff09\u8ffd\u8457\u8dd1\uff0c\u800c\u9280\u884c\u53c8\u56e0 TU \u8a55\u7d1a\u6216\u5165\u606f\u6587\u4ef6\u4e0d\u8db3\u800c\u62d2\u6279\u79c1\u4eba\u8cb8\u6b3e\uff0c\u5229\u7528\u4e8c\u6309\u5957\u73fe\u5c07\u9ad8\u606f\u50b5\u6574\u5408\u70ba\u4e00\u7b46\u4f4e\u606f\u3001\u9577\u5e74\u671f\u7684\u6309\u63ed\u8cb8\u6b3e\uff0c\u5f80\u5f80\u662f\u73fe\u5be6\u4e2d\u6700\u53ef\u884c\u7684\u300c\u81ea\u6551\u300d\u65b9\u6cd5\u3002<\/p>\n\n\n\n<p><em>(\u8cc7\u6599\u4f86\u6e90\u53c3\u8003\uff1a\u91d1\u7ba1\u5c40\u8ca0\u8cc7\u7522\u6578\u64da\u3001MoneyHero \u4fe1\u7528\u5361\u5229\u606f\u8cc7\u8a0a)<\/em><\/p>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"\u70ba\u4ec0\u9ebc\u9078\u64c7\u300c\u4e8c\u6309\u300d\u6e05\u5361\u6578\uff1f\u6bd4\u9280\u884c\u79c1\u8cb8\u597d\u5728\u54ea\uff1f\">\u70ba\u4ec0\u9ebc\u9078\u64c7\u300c\u4e8c\u6309\u300d\u6e05\u5361\u6578\uff1f\u6bd4\u9280\u884c\u79c1\u8cb8\u597d\u5728\u54ea\uff1f<\/h2>\n\n\n\n<p>\u6240\u8b02\u300c\u4e8c\u6309\u300d (Second Mortgage)\uff0c\u662f\u6307\u5728\u60a8\u73fe\u6709\u9280\u884c\u4e00\u6309 (First Mortgage) \u672a\u4f9b\u5b8c\u7684\u60c5\u6cc1\u4e0b\uff0c\u5229\u7528\u7269\u696d\u5347\u503c\u5f8c\u7684\u300c\u5269\u9918\u6de8\u503c\u300d\uff0c\u5411\u53e6\u4e00\u9593\u6301\u724c\u8ca1\u52d9\u6a5f\u69cb\uff08\u5982 GICL\uff09\u7533\u8acb\u7b2c\u4e8c\u7b46\u6309\u63ed\u8cb8\u6b3e\u3002<\/p>\n\n\n\n<p>\u5f88\u591a\u4eba\u6703\u6df7\u6dc6\u300c\u4e8c\u6309\u300d\u8207\u300c\u52a0\u6309\u5957\u73fe\u300d\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong><a href=\"https:\/\/gicl.com.hk\/%E6%A8%93%E5%AE%87%E5%8A%A0%E6%8C%89%E5%A5%97%E7%8F%BE-%E7%89%A9%E6%A5%AD%E5%8A%A0%E6%8C%89%E6%84%8F%E6%80%9D%E5%88%A9%E6%81%AF%E5%9B%9E%E8%B4%88-gicl%E5%85%8D%E5%BE%8B%E5%B8%AB%E8%B2%BB\/\">\u52a0\u6309<\/a>&nbsp;(Refinancing)<\/strong>\uff1a\u901a\u5e38\u662f\u6307\u5411\u300c\u539f\u6309\u63ed\u9280\u884c\u300d\u7533\u8acb\u589e\u52a0\u8cb8\u6b3e\u984d\u3002\u512a\u9ede\u662f\u5229\u7387\u8f03\u4f4e\uff0c\u4f46\u9280\u884c\u5be9\u6279\u6975\u56b4\uff08\u9700\u91cd\u65b0\u505a\u58d3\u529b\u6e2c\u8a66\uff09\uff0c\u4e14\u53d7\u6a13\u50f9\u4f30\u503c\u5f71\u97ff\u5927\u3002<\/li>\n\n\n\n<li><strong>\u4e8c\u6309 (Second Mortgage)<\/strong>\uff1a\u662f\u5728\u300c\u4e0d\u9a5a\u52d5\u539f\u9280\u884c\u4e00\u6309\u300d\u7684\u524d\u63d0\u4e0b\uff0c\u984d\u5916\u501f\u8cb8\u3002GICL \u7684\u4e8c\u6309\u670d\u52d9\u63d0\u4f9b\u514d\u8d16\u5951\u3001\u6700\u5feb 24 \u5c0f\u6642\u6279\u6838\u3002\u5982\u679c\u4f60\u4e3b\u8981\u60f3\u4e86\u89e3\u4e8c\u6309\u7522\u54c1\u7d30\u7bc0\uff0c\u53ef\u5148\u770b GICL \u7684&nbsp;<a href=\"https:\/\/gicl.com.hk\/second-mortgage\/\">\u6a13\u5b87\u4e8c\u6309\u8cb8\u6b3e\u4e3b\u9801<\/a>\u3002<\/li>\n<\/ul>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"\u4e8c\u6309\u6e05\u6578 3 \u5927\u512a\u52e2\uff1a\u514d\u5165\u606f\u3001\u6173\u606f\u3001\u6551 TU\">\u4e8c\u6309\u6e05\u6578 3 \u5927\u512a\u52e2\uff1a\u514d\u5165\u606f\u3001\u6173\u606f\u3001\u6551 TU<\/h2>\n\n\n\n<p>\u7576\u4f60\u9762\u5c0d\u591a\u7b46\u5361\u6578\u3001\u79c1\u4eba\u8cb8\u6b3e\u6216\u8ca1\u52d9\u516c\u53f8\u8cb8\u6b3e\u6642\uff0c\u6bcf\u6708\u9700\u5206\u5225\u9084\u6b3e\u7d66\u4e0d\u540c\u6a5f\u69cb\uff0c\u4e0d\u4f46\u5229\u606f\u9ad8\uff08\u6bcf\u6708\u9700\u5206\u5225\u9084\u6b3e\u7d66\u4e0d\u540c\u6a5f\u69cb\uff0c\u4e0d\u4f46\u5229\u606f\u9ad8\uff08\u6839\u64da MoneyHero \u8cc7\u6599\uff0c\u9999\u6e2f\u4fe1\u7528\u5361\u5be6\u969b\u5e74\u5229\u7387 APR \u666e\u904d\u4ecb\u4e4e 30%-40%\uff09\uff0c\u800c\u4e14\u53ea\u9084 Min Pay (\u6700\u4f4e\u9084\u6b3e\u984d) \u6703\u4ee4\u672c\u91d1\u5e7e\u4e4e\u7d0b\u98a8\u4e0d\u52d5\uff0c\u9677\u5165\u300c\u606f\u6efe\u606f\u300d\u7684\u7121\u5e95\u6df1\u6f6d\u3002\uff09\uff0c\u7ba1\u7406\u4e0a\u4ea6\u975e\u5e38\u6df7\u4e82\u3002\u82e5\u5176\u4e2d\u4e00\u9593\u9280\u884c\u62d2\u6279\u65b0\u8cb8\u6b3e\u300c\u904e\u51b7\u6cb3\u300d\uff08\u5373\u4ee5\u65b0\u50b5\u9084\u820a\u50b5\uff09\uff0c\u4f60\u7684 TU \u8a55\u7d1a\u6703\u9032\u4e00\u6b65\u4e0b\u8dcc\uff0c\u5f62\u6210\u60e1\u6027\u5faa\u74b0\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u4e8c\u6309\u6e05\u6578\u65b9\u6848\u80fd\u89e3\u6c7a\u4ee5\u4e0a\u554f\u984c\uff0c\u539f\u56e0\u5982\u4e0b\uff1a<\/strong><\/h3>\n\n\n\n<p><strong>\u514d\u5165\u606f\u8b49\u660e<\/strong><br>\u5373\u4f7f\u4f60\u662f&nbsp;<strong><a href=\"https:\/\/gicl.com.hk\/self-employed-mortgage-guide-2026\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u81ea\u50f1\u4eba\u58eb\u514d\u5165\u606f\u6309\u63ed<\/a><\/strong>&nbsp;\u7684\u76ee\u6a19\u5ba2\u7fa4\u3001\u7121\u56fa\u5b9a\u6536\u5165\u6216 TU \u8a55\u7d1a\u6b20\u4f73\uff0c\u53ea\u8981\u7269\u696d\u6709\u6de8\u503c\uff08\u5373\u7269\u696d\u4f30\u50f9\u6e1b\u53bb\u4e00\u6309\u5c1a\u6b20\u91d1\u984d\uff09\uff0c\u5c31\u6709\u6a5f\u6703\u7372\u6279\u3002<\/p>\n\n\n\n<p><strong>\u5feb\u901f\u6279\u6838<\/strong><br>GICL&nbsp;<strong><a href=\"https:\/\/gicl.com.hk\/second-mortgage\/\">\u4e8c\u6309\u5957\u73fe<\/a><\/strong>\u6700\u5feb\u53ef\u65bc 24 \u5c0f\u6642\u5167\u5b8c\u6210\u5be9\u6279\uff0c\u52a9\u4f60\u5373\u6642\u6e05\u9084\u5230\u671f\u5361\u6578\uff0c\u907f\u514d\u62d6\u6b20\u5f71\u97ff\u4fe1\u8cb8\u7d00\u9304\u3002<\/p>\n\n\n\n<p><strong>\u96c6\u4e2d\u9084\u6b3e\uff0c\u6e1b\u8f15\u58d3\u529b<\/strong><br>\u5c07\u591a\u7b46\u9ad8\u606f\u5361\u6578\u50b5\u52d9\u5408\u4f75\u70ba\u4e00\u7b46\u5b9a\u984d\u6309\u63ed\u4f9b\u6b3e\uff0c\u5229\u606f\u9060\u6bd4\u4fe1\u7528\u5361\u7684 30-40% \u4f4e\uff0c\u9084\u6b3e\u671f\u66f4\u53ef\u9577\u9054 10-15 \u5e74\uff0c\u5927\u5e45\u6e1b\u8f15\u6bcf\u6708\u4f9b\u6b3e\u984d\uff08\u53ef\u7bc0\u7701\u9ad8\u9054 60-70% \u6708\u4f9b\uff09\u3002<\/p>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"\u300c\u6a13\u5b87\u4e8c\u6309\u300dvs\u300c\u52a0\u6309\u5957\u73fe\u300d\uff1a\u6709\u4f55\u5206\u5225\uff1f\">\u300c\u4e8c\u6309\u5957\u73fe\u300dvs\u300c\u52a0\u6309\u5957\u73fe\u300d\uff1a\u6709\u4f55\u5206\u5225\uff1f<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">\u300c\u4e8c\u6309\u300dvs\u300c\u52a0\u6309\u5957\u73fe\u300d\uff1a\u6709\u4f55\u5206\u5225\uff1f<\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-center\" data-align=\"center\">\u65b9\u6848<\/th><th class=\"has-text-align-center\" data-align=\"center\">\u5b9a\u7fa9<\/th><th class=\"has-text-align-center\" data-align=\"center\">\u9069\u7528\u60c5\u6cc1<\/th><th class=\"has-text-align-center\" data-align=\"center\">\u6279\u6838\u96e3\u5ea6<\/th><\/tr><tr><th class=\"has-text-align-center\" data-align=\"center\"><strong>\u4e8c\u6309<\/strong><\/th><th class=\"has-text-align-center\" data-align=\"center\">\u5728\u73fe\u6709\u9280\u884c\u4e00\u6309\u4e4b\u4e0a\uff0c\u518d\u5411\u8ca1\u52d9\u516c\u53f8\u7533\u8acb\u984d\u5916\u6309\u63ed\u8cb8\u6b3e\uff08\u901a\u5e38\u70ba\u7269\u696d\u4f30\u50f9\u7684 10-20%\uff09\u3002<\/th><th class=\"has-text-align-center\" data-align=\"center\">\u6d41\u9280\u884c\u4e00\u6309\u672a\u4f9b\u5b8c\u3001\u4e0d\u60f3\u8d16\u5951\u6216\u7529\u6309\uff08\u4f8b\u5982\u539f\u6709\u9280\u884c\u6309\u63ed\u606f\u7387\u6975\u4f4e\uff09\u3002<\/th><th class=\"has-text-align-center\" data-align=\"center\">\u5bb9\u6613\uff08\u8ca1\u52d9\u516c\u53f8\u5be9\u6279\u5f48\u6027\u9ad8\uff0c\u514d\u5165\u606f\uff09<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>\u52a0\u6309\u5957\u73fe<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">\u5411\u539f\u6709\u4e00\u6309\u9280\u884c\u6216\u5176\u4ed6\u9280\u884c\u7533\u8acb\u589e\u52a0\u6309\u63ed\u984d\u5ea6\uff0c\u5957\u53d6\u984d\u5916\u8cc7\u91d1\u3002<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u7269\u696d\u5df2\u5927\u5e45\u5347\u503c\u3001\u60f3\u63d0\u53d6\u66f4\u591a\u8cc7\u91d1\u4f5c\u5927\u984d\u6295\u8cc7\u3002<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u4e2d\u7b49\uff08\u9280\u884c\u9700\u91cd\u65b0\u8a55\u4f30\u5165\u606f\u53ca\u58d3\u529b\u6e2c\u8a66\uff1b\u82e5 TU \u5dee\u6703\u62d2\u6279\uff09<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<div style=\"height:15px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p><strong>\u91cd\u9ede\uff1a<\/strong>&nbsp;\u5982\u679c\u4f60\u7684\u9280\u884c\u4e00\u6309\u5df2\u6279\u8db3 60-70% \u6210\u6578\uff0c\u4f46\u4ecd\u9700\u984d\u5916\u8cc7\u91d1\u6e05\u5361\u6578\uff0c\u53ef\u9078\u64c7\u5411 GICL \u7533\u8acb&nbsp;<strong>\u4e8c\u6309<\/strong>\uff08\u5229\u7528\u5269\u9918\u7684\u7269\u696d\u6de8\u503c\uff09\uff0c\u6bcb\u9808\u7d93\u904e\u9280\u884c\u7684\u7e41\u8907\u5be9\u6279\uff0c\u5feb\u901f\u5957\u73fe\u6551\u6025\u3002\u5982\u4f60\u5df2\u7d93\u6c7a\u5b9a\u9078\u7528\u4e8c\u6309\u65b9\u6848\uff0c\u53ef\u5728&nbsp;<a href=\"https:\/\/gicl.com.hk\/second-mortgage\"><strong>\u6a13\u5b87\u4e8c\u6309\u7522\u54c1\u9801<\/strong><\/a>&nbsp;\u9810\u7d04\u514d\u8cbb\u4f30\u50f9\u3002<\/p>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"\u6e05\u5361\u6578\u65b9\u6848\u5c0d\u6bd4\uff1a\u6a13\u5b87\u4e8c\u6309 vs \u79c1\u4eba\u8cb8\u6b3e vs \u4fe1\u7528\u5361 Min Pay\">\u6e05\u5361\u6578\u65b9\u6848\u5c0d\u6bd4\uff1a\u6a13\u5b87\u4e8c\u6309 vs \u79c1\u4eba\u8cb8\u6b3e vs \u4fe1\u7528\u5361 Min Pay<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">\u300c\u6a13\u5b87\u4e8c\u6309\u300dvs\u300c\u52a0\u6309\u5957\u73fe\u300d\uff1a\u6709\u4f55\u5206\u5225\uff1f<\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-center\" data-align=\"center\">\u6bd4\u8f03\u9805\u76ee<\/th><th class=\"has-text-align-center\" data-align=\"center\"><strong>\u6a13\u5b87\u4e8c\u6309 (GICL)<\/strong><\/th><th class=\"has-text-align-center\" data-align=\"center\"><strong>\u79c1\u4eba\u8cb8\u6b3e (\u9280\u884c)<\/strong><\/th><th class=\"has-text-align-center\" data-align=\"center\"><strong>\u4fe1\u7528\u5361 Min Pay<\/strong><\/th><\/tr><tr><th class=\"has-text-align-center\" data-align=\"center\"><strong>\u5be9\u6279\u901f\u5ea6<\/strong><\/th><th class=\"has-text-align-center\" data-align=\"center\">\u6700\u5feb 24 \u5c0f\u6642\u6279\u6838<\/th><th class=\"has-text-align-center\" data-align=\"center\">7-14 \u5929<\/th><th class=\"has-text-align-center\" data-align=\"center\">\u5373\u6642 (\u4f46\u4ee3\u50f9\u6975\u5927)<\/th><\/tr><tr><th class=\"has-text-align-center\" data-align=\"center\"><strong>\u5165\u606f\u8b49\u660e<\/strong><\/th><th class=\"has-text-align-center\" data-align=\"center\">\u2705 \u514d\u5165\u606f\u8b49\u660e<\/th><th class=\"has-text-align-center\" data-align=\"center\">\u9700\u5165\u606f\u8b49\u660e\u3001\u7a05\u55ae<\/th><th class=\"has-text-align-center\" data-align=\"center\">\u514d\u8b49\u660e<\/th><\/tr><tr><th class=\"has-text-align-center\" data-align=\"center\"><strong>TU \u8981\u6c42<\/strong><\/th><th class=\"has-text-align-center\" data-align=\"center\">\u2705 \u63a5\u53d7 TU \u5dee \/ \u66fe\u7834\u7522<\/th><th class=\"has-text-align-center\" data-align=\"center\">\u2705  \u9700 TU \u826f\u597d<\/th><th class=\"has-text-align-center\" data-align=\"center\">TU \u5dee\u6703\u88ab\u524a\u6e1b\u4fe1\u7528\u984d<\/th><\/tr><tr><th class=\"has-text-align-center\" data-align=\"center\"><strong>\u5be6\u969b\u5e74\u5229\u7387<\/strong><\/th><th class=\"has-text-align-center\" data-align=\"center\">\u9748\u6d3b\u5177\u7af6\u722d\u529b (\u9060\u4f4e\u65bc\u5361\u6578)<\/th><th class=\"has-text-align-center\" data-align=\"center\">6-12% (\u8996\u4e4e TU)<\/th><th class=\"has-text-align-center\" data-align=\"center\">3<strong>0-40%<\/strong> (\u53ea\u9084 Min Pay)<\/th><\/tr><tr><th class=\"has-text-align-center\" data-align=\"center\"><strong>\u9084\u6b3e\u671f<\/strong><\/th><th class=\"has-text-align-center\" data-align=\"center\">\u9577\u9054 10-20 \u5e74<\/th><th class=\"has-text-align-center\" data-align=\"center\">\u6700\u9577 5-7 \u5e74<\/th><th class=\"has-text-align-center\" data-align=\"center\">\u7121\u56fa\u5b9a\u671f\u9650 (\u5229\u606f\u7121\u9650\u6efe\u5b58)<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>TU \u5f71\u97ff<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2705 <strong>\u4e0d\u5f71\u97ffTU<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">\u274c \u501f\u8cb8\u7d00\u9304\u5168\u4e0a\u5831<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u274c \u62d6\u4f4e\u8a55\u7d1a\uff0c\u9677\u5165\u7121\u5e95\u6df1\u6f6d<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><strong>\u7d50\u8ad6\uff1a<\/strong>&nbsp;\u82e5\u4f60 TU \u5dee\u4e14\u9280\u884c\u5df2\u62d2\u6279\uff0c<strong>\u6a13\u5b87\u4e8c\u6309<\/strong>&nbsp;\u662f\u6700\u5be6\u969b\u7684\u9078\u64c7\u3002\u96d6\u7136\u6309\u63ed\u5229\u7387\u9ad8\u65bc\u9280\u884c P \u6309\uff0c\u4f46\u6bd4\u8d77\u6bcf\u6708\u53ea\u9084\u4fe1\u7528\u5361 Min Pay\uff08\u5be6\u969b\u5e74\u5229\u7387\u8d85\u904e 30%\uff09\uff0c\u4ecd\u80fd\u70ba\u4f60\u7bc0\u7701\u5927\u91cf\u7121\u8b02\u7684\u5229\u606f\u652f\u51fa\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"\u771f\u5be6\u6848\u4f8b\u5206\u4eab\uff1aGICL \u5982\u4f55\u52a9\u696d\u4e3b\u7ffb\u8eab\">GICL \u5982\u4f55\u52a9\u696d\u4e3b\u900f\u904e\u300c\u4e8c\u6309\u5957\u73fe\u300d\u7ffb\u8eab<\/h2>\n\n\n\n<p><strong>\u6848\u4f8b 1\uff1a\u6c7d\u8eca\u7f8e\u5bb9\u8001\u95c6\u6e05\u5361\u6578\u5f8c TU \u81ea\u7136\u56de\u5347<\/strong><\/p>\n\n\n\n<p><strong>\u80cc\u666f\uff1a<\/strong><br>\u674e\u5148\u751f\u5728\u7b72\u7b95\u7063\u7d93\u71df\u6c7d\u8eca\u7f8e\u5bb9\u5e97\uff0c\u751f\u610f\u7a69\u5b9a\uff08\u985e\u4f3c\u6211\u5011\u7684&nbsp;<strong><a href=\"https:\/\/gicl.com.hk\/sme-property-cash-out-business-turnover\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u4e2d\u5c0f\u4f01\u5468\u8f49<\/a><\/strong>&nbsp;\u6848\u4f8b\uff09\u3002\u904e\u5f80\u56e0\u64f4\u5145\u5206\u5e97\u800c\u7d2f\u7a4d\u4e86\u7d04 80 \u842c\u4fe1\u7528\u5361\u50b5\u52d9\u53ca\u79c1\u4eba\u8cb8\u6b3e\u3002\u7531\u65bc\u6bcf\u6708\u53ea\u9084 Min Pay\uff0c\u5229\u606f\u4e0d\u65b7\u6efe\u5b58\uff0cTU \u8a55\u7d1a\u8dcc\u81f3\u300cE \u7d1a\u300d\uff0c\u9280\u884c\u62d2\u7d55\u6279\u51fa\u4efb\u4f55\u65b0\u8cb8\u6b3e\u3002<\/p>\n\n\n\n<p><strong>\u56f0\u5883\uff1a<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u6bcf\u6708\u9700\u5206\u5225\u9084\u6b3e\u7d66 5 \u9593\u9280\u884c\u53ca\u8ca1\u52d9\u516c\u53f8\uff0c\u5408\u5171\u6708\u4f9b\u8d85\u904e $35,000\u3002<\/li>\n\n\n\n<li>\u6046\u751f\u9280\u884c\u62d2\u7d55\u5176\u300c\u904e\u51b7\u6cb3\u300d\u7533\u8acb\uff08\u5373\u518d\u501f\u65b0\u9322\u9084\u820a\u50b5\uff09\u3002<\/li>\n\n\n\n<li>\u73fe\u91d1\u6d41\u7dca\u7d40\uff0c\u751a\u81f3\u5f71\u97ff\u5e97\u8216\u65e5\u5e38\u71df\u904b\u3002<\/li>\n<\/ul>\n\n\n\n<p><strong>\u89e3\u6c7a\u65b9\u6848\uff1a<\/strong><br>\u674e\u5148\u751f\u540d\u4e0b\u6709\u4e00\u500b\u7b72\u7b95\u7063\u5510\u6a13\u55ae\u4f4d\uff0c\u5e02\u503c\u7d04 $500 \u842c\uff0c\u5c1a\u6b20\u9280\u884c\u4e00\u6309 $280 \u842c\u3002\u4ed6\u5411 GICL \u7533\u8acb&nbsp;<a href=\"https:\/\/gicl.com.hk\/second-mortgage\"><strong>\u6a13\u5b87\u4e8c\u6309<\/strong><\/a>\uff0c\u6210\u529f\u6279\u51fa $90 \u842c\u8cb8\u6b3e\uff08\u9023\u540c\u5099\u7528\u4fe1\u8cb8\u984d\uff09\uff0c\u5373\u65e5\u653e\u6b3e\u3002<\/p>\n\n\n\n<p><strong>\u6210\u679c\uff1a<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>\u6e05\u96f6\u5361\u6578<\/strong>\uff1a\u4e00\u6b21\u904e\u6e05\u9084\u6240\u6709\u5361\u6578\u53ca\u79c1\u4eba\u8cb8\u6b3e\uff0c\u4fe1\u8cb8\u4f7f\u7528\u7387\u5373\u6642\u7531 90% \u964d\u81f3 0%\u3002<\/li>\n\n\n\n<li><strong>\u4f9b\u6b3e\u6e1b\u534a<\/strong>\uff1a\u6bcf\u6708\u4f9b\u6b3e\u7531 $35,000 \u964d\u81f3\u7d04 $12,000\uff08\u5305\u62ec\u9280\u884c\u4e00\u6309 + GICL \u4e8c\u6309\u4f9b\u6b3e\uff09\uff0c\u73fe\u91d1\u6d41\u5373\u6642\u9b06\u52d5\u3002<\/li>\n\n\n\n<li><strong>TU \u56de\u5347<\/strong>\uff1a3 \u500b\u6708\u5f8c\uff0c\u7531\u65bc\u9280\u884c\u7d00\u9304\u986f\u793a\u300c\u7121\u6b20\u50b5\u300d\uff0c\u674e\u5148\u751f\u7684 TU \u8a55\u7d1a\u81ea\u7136\u7531 E \u7d1a\u56de\u5347\u81f3 C \u7d1a\uff0c\u70ba\u65e5\u5f8c\u8f49\u56de\u9280\u884c\u6309\u63ed\u92ea\u8def\u3002<\/li>\n<\/ol>\n\n\n\n<div style=\"height:15px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p><strong>\u6848\u4f8b 2\uff1a\u96fb\u5b50\u96f6\u4ef6\u8cbf\u6613\u5546\u5373\u65e5\u5957\u73fe 50 \u842c\uff0c\u907f\u514d\u62d6\u6b20\u4f9b\u61c9\u5546<\/strong><br><strong>\u80cc\u666f<\/strong>\uff1a \u9673\u5148\u751f\u7d93\u71df\u96fb\u5b50\u96f6\u4ef6\u8cbf\u6613\uff0c\u4e3b\u8981\u5ba2\u6236\u70ba\u570b\u5167\u8cb7\u5bb6\u3002\u56e0\u5ba2\u6236\u62d6\u6b20\u8ca8\u6b3e\uff0c\u4ed6\u6025\u9700 $50 \u842c\u627e\u6578\u7d66\u4f9b\u61c9\u5546\uff0c\u5426\u5247\u5c07\u5f71\u97ff\u5546\u8b7d\u3002<\/p>\n\n\n\n<p><strong>\u56f0\u5883\uff1a<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u516c\u53f8\u6210\u7acb\u50c5 2 \u5e74\uff0c\u7121\u8ca1\u52d9\u5831\u8868\u3002<\/li>\n\n\n\n<li>\u6771\u4e3b\u672c\u8eab\u6709\u79c1\u4eba\u5916\u50b5\uff0c\u5831\u7a05\u91d1\u984d\u4e0d\u8db3\uff0c\u9280\u884c\u7121\u6cd5\u6279\u51fa\u61c9\u6025\u8cb8\u6b3e\u3002<\/li>\n\n\n\n<li>\u516c\u53f8\u6536\u652f\u591a\u4ee5\u73fe\u91d1\u4ea4\u6536\uff0c\u7121\u6cd5\u63d0\u4f9b\u9280\u884c\u6708\u7d50\u55ae\u3002<\/li>\n\n\n\n<li>\u73fe\u91d1\u6d41\u7dca\u7d40\uff0c\u751a\u81f3\u5f71\u97ff\u5e97\u8216\u65e5\u5e38\u71df\u904b\u3002<\/li>\n<\/ul>\n\n\n\n<p><strong>\u89e3\u6c7a\u65b9\u6848\uff1a<\/strong><br>\u9673\u5148\u751f\u5411 GICL \u7533\u8acb<a href=\"https:\/\/gicl.com.hk\/second-mortgage\"><strong>\u6a13\u5b87\u4e8c\u6309<\/strong><\/a>\uff0c\u5229\u7528\u4ed6\u592a\u592a\u540d\u4e0b\u7684\u4f4f\u5b85\u7269\u696d\uff08\u5e02\u503c $400 \u842c\uff0c\u5c1a\u6b20\u4e00\u6309 $200 \u842c\uff09\uff0c\u6210\u529f\u7372\u6279 $50 \u842c\u4e8c\u6309\u8cb8\u6b3e\u53ca $70 \u842c\u5099\u7528\u984d\u5ea6\uff08Standby Facility\uff09\uff0c\u5373\u65e5\u653e\u6b3e\u3002<\/p>\n\n\n\n<p><strong>\u6210\u679c\uff1a<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>\u5373\u6642\u6e05\u9084\u4f9b\u61c9\u5546\u6b20\u6b3e\uff0c\u4fdd\u4f4f\u5546\u8b7d\u3002<\/strong><\/li>\n\n\n\n<li>\u4fdd\u7559 $70 \u842c\u5099\u7528\u984d\u5ea6\uff0c\u96a8\u6642\u63d0\u53d6\u61c9\u4ed8\u7a81\u767c\u8cc7\u91d1\u9700\u6c42\u3002<\/li>\n\n\n\n<li>6 \u500b\u6708\u5f8c\u751f\u610f\u4e0a\u8ecc\u9053\uff0c\u6210\u529f\u6574\u7406\u8ca1\u52d9\u5831\u8868\uff0c\u5411\u9280\u884c\u7533\u8acb\u5230\u4e2d\u5c0f\u4f01\u8cb8\u6b3e\uff0c\u4e26\u6e05\u9084 GICL \u4e8c\u6309\u3002<\/li>\n<\/ol>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"\u5982\u4f55\u7533\u8acb\u4e8c\u6309\u6e05\u6578\uff1f5 \u6b65\u6975\u901f\u5957\u73fe\">\u5982\u4f55\u7533\u8acb\u4e8c\u6309\u6e05\u6578\uff1f5 \u6b65\u6975\u901f\u5957\u73fe<\/h2>\n\n\n\n<p>\u5982\u679c\u4f60\u6c7a\u5b9a\u5229\u7528\u4e8c\u6309\u5957\u73fe\u6216\u52a0\u6309\u5957\u73fe\u6e05\u5361\u6578\uff0c\u4ee5\u4e0b\u662f\u5b8c\u6574\u7533\u8acb\u6d41\u7a0b\uff1a<\/p>\n\n\n\n<p><strong>\u7b2c 1 \u6b65\uff1a\u514d\u8cbb\u7269\u696d\u4f30\u50f9<\/strong><\/p>\n\n\n\n<p>\u4f60\u53ef\u4ee5\u900f\u904e&nbsp;<a href=\"https:\/\/gicl.com.hk\/second-mortgage\"><strong>\u4e8c\u6309\u8cb8\u6b3e\u4e3b\u9801<\/strong><\/a>&nbsp;\u63d0\u4ea4\u8868\u683c\uff0c\u7531\u5c08\u54e1\u56de\u8986\u53ef\u6279\u91d1\u984d\u3002\uff08\u901a\u5e38\u70ba\u7269\u696d\u4f30\u50f9\u6e1b\u53bb\u4e00\u6309\u5c1a\u6b20\u91d1\u984d\u5f8c\u7684 10-20%\uff09\u3002<\/p>\n\n\n\n<p><strong>\u7b2c 2 \u6b65\uff1a\u63d0\u4ea4\u7c21\u55ae\u6587\u4ef6<\/strong><\/p>\n\n\n\n<p>\u6240\u9700\u6587\u4ef6\uff1a<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>\u6a13\u5951\u6b63\u672c\uff08\u5982\u7121\u6309\u63ed\uff09<\/li>\n\n\n\n<li>\u9999\u6e2f\u8eab\u4efd\u8b49<\/li>\n\n\n\n<li>\u6700\u8fd1 3 \u500b\u6708\u7684\u9280\u884c\u4e00\u6309\u4f9b\u6b3e\u7d00\u9304\uff08\u5982\u6709\uff09<\/li>\n\n\n\n<li>\u7121\u9700\u63d0\u4f9b\uff1a \u5165\u606f\u8b49\u660e\u3001\u7a05\u55ae\u3001\u9280\u884c\u6708\u7d50\u55ae\u3002<\/li>\n<\/ol>\n\n\n\n<p><strong>\u7b2c 3 \u6b65\uff1a24 \u5c0f\u6642\u5167\u7372\u6279\u6838<\/strong><\/p>\n\n\n\n<p>GICL \u5be9\u6279\u5718\u968a\u6703\u65bc 24 \u5c0f\u6642\u5167\u5b8c\u6210\u8a55\u4f30\uff0c\u4e26\u901a\u77e5\u4f60\u6279\u6838\u7d50\u679c\u53ca\u8cb8\u6b3e\u91d1\u984d\u3002<\/p>\n\n\n\n<p><strong>\u7b2c 4 \u6b65\uff1a\u7c3d\u7d04\u53ca\u653e\u6b3e<\/strong><\/p>\n\n\n\n<p>\u6279\u6838\u5f8c\uff0c\u6211\u5011\u6703\u5b89\u6392\u5f8b\u5e2b\u8655\u7406\u7c3d\u7d04\u624b\u7e8c\u3002\u7c3d\u7d04\u5f8c\u6700\u5feb\u5373\u65e5\u653e\u6b3e\u81f3\u4f60\u6307\u5b9a\u9280\u884c\u6236\u53e3\u3002<\/p>\n\n\n\n<p><strong>\u7b2c 5 \u6b65\uff1a\u4e00\u7b46\u904e\u6e05\u9084\u6240\u6709\u50b5\u52d9<\/strong><\/p>\n\n\n\n<p>\u6536\u5230\u6b3e\u9805\u5f8c\uff0c\u7acb\u5373\u6e05\u9084\u6240\u6709\u4fe1\u7528\u5361\u3001\u79c1\u4eba\u8cb8\u6b3e\u53ca\u8ca1\u52d9\u516c\u53f8\u6b20\u6b3e\uff0c\u4e26\u4fdd\u7559\u9084\u6b3e\u8b49\u660e\u3002<\/p>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"\u7269\u696d\u5957\u73fe\u7533\u8acb\u6d41\u7a0b\uff1aGICL \u5feb\u901f\u7279\u6279\u4e09\u6b65\u66f2\">\u7acb\u5373\u884c\u52d5\uff1a\u64fa\u812b\u5361\u6578\u56f0\u64fe\uff0c\u91cd\u5efa\u8ca1\u52d9\u81ea\u7531<\/h2>\n\n\n\n<p>GICL \u7684\u627f\u8afe\uff1a<\/p>\n\n\n\n<p>\u2705 \u514d\u5165\u606f\u8b49\u660e\u3001\u514d\u8ca1\u52d9\u5831\u8868<\/p>\n\n\n\n<p>\u2705 \u6700\u5feb 24 \u5c0f\u6642\u6279\u6838\u653e\u6b3e<\/p>\n\n\n\n<p>\u2705 \u5f48\u6027\u4f30\u50f9\uff0c\u63a5\u53d7\u9ad8\u6a13\u9f61\u5510\u6a13<\/p>\n\n\n\n<p>\u2705 \u63d0\u65e9\u9084\u6b3e\u514d\u7f70\u606f\uff08\u8996\u4e4e\u5408\u7d04\u689d\u6b3e\uff09<\/p>\n\n\n\n<p>\u2705 \u4e0d\u5f71\u97ff\u539f\u6709\u9280\u884c\u4fe1\u8cb8\u8a55\u7d1a (TU)<\/p>\n\n\n\n<p>\u7acb\u5373\u806f\u7d61 GICL \u74b0\u7403\u4fe1\u8cb8\uff0c\u9ad4\u9a57\u771f\u6b63\u900f\u660e\u3001\u9748\u6d3b\u7684\u6a13\u5b87\u6309\u63ed\u670d\u52d9\uff01<\/p>\n\n\n\n<p>\ud83d\udc49 [<a href=\"https:\/\/wa.me\/85291741899\" target=\"_blank\" rel=\"noopener\">WhatsApp \u806f\u7d61 GICL \u6309\u63ed\u9867\u554f<\/a>]<\/p>\n\n\n\n<p>\ud83d\udcde \u7acb\u5373\u81f4\u96fb: 2111 0998<\/p>\n\n\n\n<p>\ud83c\udf10 \u7db2\u4e0a\u514d\u8cbb\u7269\u696d\u4f30\u50f9\uff1ahttps:\/\/gicl.com.hk\/<\/p>\n\n\n\n<p>GICL \u74b0\u7403\u4fe1\u8cb8 | \u6301\u724c\u653e\u50b5\u4eba\u724c\u7167\u865f\u78bc: 82\/2026, 0403\/2025, 1916\/2025 | \u8b93\u60a8\u7684\u7269\u696d\u50f9\u503c\uff0c\u70ba\u60a8\u6975\u901f\u5957\u73fe<\/p>\n\n\n\n<p>\u8072\u660e\uff1a \u672c\u6587\u6240\u8f09\u6848\u4f8b\u5747\u7d93\u5ba2\u6236\u540c\u610f\u5206\u4eab\uff0c\u90e8\u5206\u7d30\u7bc0\u5df2\u4f5c\u533f\u540d\u8655\u7406\u4ee5\u4fdd\u969c\u79c1\u96b1\u3002<\/p>\n\n\n\n<p>\u5fe0\u544a: \u501f\u9322\u6897\u8981\u9084\uff0c\u54aa\u4ffe\u9322\u4e2d\u4ecb\uff01GICL \u74b0\u7403\u4fe1\u8cb8\u63d0\u9192\u4f60\u7406\u6027\u501f\u8cb8\uff0c\u59a5\u5584\u7ba1\u7406\u500b\u4eba\u8ca1\u52d9\u3002<\/p>\n<\/div><\/div>\n","protected":false},"excerpt":{"rendered":"<p>\u6bcf\u6708\u6536\u5230\u4fe1\u7528\u5361\u50ac\u6536\u96fb\u8a71\uff0c\u5229\u606f\u6108\u6efe\u6108\u591a\uff1f\u9280\u884c\u56e0\u4fe1\u8cb8\u8a55\u7d1a (TU) \u4f4e\u800c\u62d2\u6279\u79c1\u4eba\u8cb8\u6b3e\uff1f\u5176\u5be6\u53ea\u8981\u4f60\u540d\u4e0b\u6709\u7269\u696d\uff0c\u5c31\u7b97\u5df2 [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":404,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-403","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"acf":[],"_links":{"self":[{"href":"https:\/\/gicl.com.hk\/en\/wp-json\/wp\/v2\/posts\/403","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/gicl.com.hk\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/gicl.com.hk\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/gicl.com.hk\/en\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/gicl.com.hk\/en\/wp-json\/wp\/v2\/comments?post=403"}],"version-history":[{"count":1,"href":"https:\/\/gicl.com.hk\/en\/wp-json\/wp\/v2\/posts\/403\/revisions"}],"predecessor-version":[{"id":6867,"href":"https:\/\/gicl.com.hk\/en\/wp-json\/wp\/v2\/posts\/403\/revisions\/6867"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/gicl.com.hk\/en\/wp-json\/wp\/v2\/media\/404"}],"wp:attachment":[{"href":"https:\/\/gicl.com.hk\/en\/wp-json\/wp\/v2\/media?parent=403"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/gicl.com.hk\/en\/wp-json\/wp\/v2\/categories?post=403"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/gicl.com.hk\/en\/wp-json\/wp\/v2\/tags?post=403"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}