{"id":5400,"date":"2026-04-02T22:00:21","date_gmt":"2026-04-02T14:00:21","guid":{"rendered":"https:\/\/gicl.com.hk\/?p=5400"},"modified":"2026-04-22T00:46:47","modified_gmt":"2026-04-21T16:46:47","slug":"mortgage-guide-2026","status":"publish","type":"post","link":"https:\/\/gicl.com.hk\/en\/mortgage-guide-2026\/","title":{"rendered":"\u3010\u6a13\u5b87\u6309\u63ed\u5168\u6307\u53572026\u3011\u4e00\u6309\u3001\u4e8c\u6309\u3001\u8f49\u6309\u9ede\u63c0\u597d\uff1f\u7269\u696d\u5957\u73fe\u6559\u79d1\u66f8"},"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<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"264\" src=\"https:\/\/gicl.com.hk\/wp-content\/uploads\/2026\/04\/finance-ads-970-x-250px-1024x264.png\" alt=\"\u6a13\u5b87\u6309\u63ed\" class=\"wp-image-1470\" srcset=\"https:\/\/gicl.com.hk\/wp-content\/uploads\/2026\/04\/finance-ads-970-x-250px-1024x264.png 1024w, https:\/\/gicl.com.hk\/wp-content\/uploads\/2026\/04\/finance-ads-970-x-250px-300x77.png 300w, https:\/\/gicl.com.hk\/wp-content\/uploads\/2026\/04\/finance-ads-970-x-250px-768x198.png 768w, https:\/\/gicl.com.hk\/wp-content\/uploads\/2026\/04\/finance-ads-970-x-250px-1536x396.png 1536w, https:\/\/gicl.com.hk\/wp-content\/uploads\/2026\/04\/finance-ads-970-x-250px-2048x528.png 2048w, https:\/\/gicl.com.hk\/wp-content\/uploads\/2026\/04\/finance-ads-970-x-250px-18x5.png 18w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>\u7121\u8ad6\u4f60\u662f\u6e96\u5099\u8cb7\u6a13\u4e0a\u8eca\u7684\u6e96\u8cb7\u5bb6\uff0c\u9084\u662f\u60f3\u5229\u7528\u73fe\u6709\u7269\u696d\u5957\u73fe\u7684\u696d\u4e3b\uff0c\u7533\u8acb<strong>\u6a13\u5b87\u6309\u63ed<\/strong>\u90fd\u662f\u4eba\u751f\u4e2d\u6700\u91cd\u8981\u7684\u8ca1\u52d9\u6c7a\u7b56\u4e4b\u4e00\u3002<\/p>\n\n\n\n<p>\u8e0f\u5165 2026 \u5e74\uff0c\u96a8\u8457\u606f\u53e3\u8b8a\u5316\u8207\u9280\u884c\u5be9\u6279\u653f\u7b56\u4e0d\u65b7\u6536\u7dca\uff0c\u7533\u8acb<strong>\u6a13\u5b87\u6309\u63ed<\/strong>\u7684\u96e3\u5ea6\u5927\u5927\u589e\u52a0\u3002\u7a76\u7adf\u5e02\u5834\u4e0a\u6709\u54ea\u4e9b<strong>\u6a13\u5b87\u6309\u63ed<\/strong>\u7a2e\u985e\uff1f\u9762\u5c0d\u4e00\u6309\u3001\u4e8c\u6309\u53ca\u8f49\u6309\uff0c\u696d\u4e3b\u53c8\u8a72\u5982\u4f55\u9078\u64c7\uff1f\u672c\u6587\u5c07\u70ba\u4f60\u63d0\u4f9b\u6700\u5168\u9762\u7684<strong>\u6a13\u5b87\u6309\u63ed<\/strong>\u5206\u6790\uff0c\u6559\u4f60\u6839\u64da\u81ea\u8eab\u8ca1\u52d9\u72c0\u6cc1\uff0c\u6311\u9078\u51fa\u6700\u7701\u606f\u3001\u6700\u5feb\u6377\u7684\u6309\u63ed\u65b9\u6848\u3002<\/p>\n\n\n\n<div style=\"height:15px\" 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=\"#\u4ec0\u9ebc\u662f\u6a13\u5b87\u6309\u63ed\uff1f\">\u4ec0\u9ebc\u662f\u6a13\u5b87\u6309\u63ed\uff1f<\/a><\/li>\n\n\n\n<li><a href=\"#2026\u5e74\u6a13\u5b87\u6309\u63ed\u5e02\u5834\u771f\u76f8\uff1a\u70ba\u4ec0\u9ebc\u60a8\u9700\u8981\u9019\u4efd\u653b\u7565\uff1f\">2026\u5e74\u6a13\u5b87\u6309\u63ed\u5e02\u5834\u771f\u76f8\uff1a\u70ba\u4ec0\u9ebc\u60a8\u9700\u8981\u9019\u4efd\u653b\u7565\uff1f<\/a><\/li>\n\n\n\n<li><a href=\"#4 \u5927\u6a13\u5b87\u6309\u63ed\u7a2e\u985e\u5927\u89e3\u95b1\uff1a\u54ea\u4e00\u6b3e\u6700\u9069\u5408\u60a8\uff1f\">4 \u5927\u6a13\u5b87\u6309\u63ed\u7a2e\u985e\u5927\u89e3\u95b1\uff1a\u54ea\u4e00\u6b3e\u6700\u9069\u5408\u60a8\uff1f<\/a><\/li>\n\n\n\n<li><a href=\"#\u696d\u4e3b\u9ede\u63c0\u597d\uff1f3 \u500b\u771f\u5be6\u60c5\u5883\u6c7a\u7b56\u5206\u6790\">\u696d\u4e3b\u9ede\u63c0\u597d\uff1f3 \u500b\u771f\u5be6\u60c5\u5883\u6c7a\u7b56\u5206\u6790<\/a><\/li>\n\n\n\n<li><a href=\"#\u9280\u884c vs \u8ca1\u52d9\u516c\u53f8\uff1a\u6a13\u5b87\u6309\u63ed\u5be9\u6279\u7684 3 \u5927\u81f4\u547d\u5dee\u7570\">\u9280\u884c vs \u8ca1\u52d9\u516c\u53f8\uff1a\u6a13\u5b87\u6309\u63ed\u5be9\u6279\u7684 3 \u5927\u81f4\u547d\u5dee\u7570<\/a><\/li>\n\n\n\n<li><a href=\"#\u4e00\u5716\u770b\u6e05\uff1a\u6a13\u5b87\u6309\u63ed\u6210\u6578\u8207\u5229\u606f\u5feb\u901f\u6bd4\u8f03\u8868\">\u4e00\u5716\u770b\u6e05\uff1a\u6a13\u5b87\u6309\u63ed\u6210\u6578\u8207\u5229\u606f\u5feb\u901f\u6bd4\u8f03\u8868<\/a><\/li>\n\n\n\n<li><a href=\"#faq-building-mortgage\">\u6a13\u5b87\u6309\u63ed\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=\"\u4ec0\u9ebc\u662f\u6a13\u5b87\u6309\u63ed\uff1f\">\u4ec0\u9ebc\u662f\u6a13\u5b87\u6309\u63ed\uff1f<\/h2>\n\n\n\n<div class=\"wp-block-group gicl-summary-box\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<p><strong>\u91cd\u9ede\u6458\u8981<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u6a13\u5b87\u6309\u63ed\u662f\u4ee5\u7269\u696d\u4f5c\u62b5\u62bc\u5411\u9280\u884c\u6216\u6301\u724c\u6a5f\u69cb\u501f\u8cb8\u3002<\/li>\n\n\n\n<li>\u8cb7\u5bb6\u53ef\u6524\u9577\u671f\u4f9b\u6b3e\uff1b\u696d\u4e3b\u53ef\u5957\u73fe\u7269\u696d\u5347\u503c\u90e8\u5206\u3002<\/li>\n\n\n\n<li>\u672a\u80fd\u6309\u6642\u4f9b\u6b3e\uff0c\u8cb8\u6b3e\u6a5f\u69cb\u53ef\u4f9d\u6cd5\u8655\u7f6e\u7269\u696d\u3002<\/li>\n<\/ul>\n<\/div><\/div>\n\n\n\n<p>\u7c21\u55ae\u4f86\u8aaa\uff0c<strong>\u6a13\u5b87\u6309\u63ed<\/strong>\uff08Mortgage\uff09\u662f\u6307\u501f\u6b3e\u4eba\u5c07\u540d\u4e0b\u7684\u623f\u5730\u7522\uff08\u5982\u79c1\u4eba\u4f4f\u5b85\u3001\u5510\u6a13\u3001\u6751\u5c4b\u3001\u751a\u81f3\u5de5\u5546\u8216\u53ca\u8eca\u4f4d\uff09\u4f5c\u70ba\u62b5\u62bc\u54c1\uff0c\u5411\u9280\u884c\u6216\u6301\u724c\u8ca1\u52d9\u6a5f\u69cb\u501f\u53d6\u4e00\u7b46\u8cb8\u6b3e\u3002<\/p>\n\n\n\n<p>\u900f\u904e<strong>\u6a13\u5b87\u6309\u63ed<\/strong>\uff0c\u8cb7\u5bb6\u53ef\u4ee5\u6524\u5206\u6578\u5341\u5e74\u4f86\u511f\u9084\u9f90\u5927\u7684\u8cb7\u6a13\u958b\u652f\uff1b\u800c\u73fe\u6709\u696d\u4e3b\u5247\u53ef\u4ee5\u5c07\u7269\u696d\u5347\u503c\u7684\u90e8\u5206\u8f49\u5316\u70ba\u73fe\u91d1\uff0c\u89e3\u6c7a\u751f\u610f\u5468\u8f49\u6216\u6e05\u9084\u9ad8\u606f\u50b5\u52d9\u7684\u7169\u60f1\u3002\u5982\u679c\u501f\u6b3e\u4eba\u672a\u80fd\u6309\u6642\u4f9b\u6b3e\uff0c\u8cb8\u6b3e\u6a5f\u69cb\u6709\u6b0a\u5c07\u8a72\u7269\u696d\u6c92\u6536\u4e26\u62cd\u8ce3\uff0c\u4ee5\u62b5\u92b7\u6b20\u6b3e\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=\"2026\u5e74\u6a13\u5b87\u6309\u63ed\u5e02\u5834\u771f\u76f8\uff1a\u70ba\u4ec0\u9ebc\u60a8\u9700\u8981\u9019\u4efd\u653b\u7565\uff1f\">2026\u5e74\u6a13\u5b87\u6309\u63ed\u5e02\u5834\u771f\u76f8\uff1a\u70ba\u4ec0\u9ebc\u60a8\u9700\u8981\u9019\u4efd\u653b\u7565\uff1f<\/h2>\n\n\n\n<div class=\"wp-block-group gicl-summary-box\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<p><strong>\u91cd\u9ede\u6458\u8981<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>2026 \u5e74\u606f\u53e3\u76f8\u5c0d\u5e73\u7a69\uff0c\u4f46\u9280\u884c\u5be9\u6279\u4ecd\u504f\u5be9\u614e\u3002<\/li>\n\n\n\n<li>\u8ca0\u8cc7\u7522\u8207\u4fdd\u5b88\u4f30\u50f9\u6703\u5f71\u97ff\u53ef\u6279\u984d\u5ea6\u8207\u5957\u73fe\u7a7a\u9593\u3002<\/li>\n\n\n\n<li>\u9700\u7d50\u5408\u653f\u7b56\u8207\u500b\u6848\uff0c\u898f\u5283\u9748\u6d3b\u5957\u73fe\u8207\u5468\u8f49\u7b56\u7565\u3002<\/li>\n<\/ul>\n<\/div><\/div>\n\n\n\n<p>\u8e0f\u5165 2026 \u5e74\uff0c\u96d6\u7136\u9999\u6e2f\u6309\u63ed\u606f\u53e3\u6f38\u8da8\u5e73\u7a69\uff0c\u4f46\u9280\u884c\u5be9\u6279\u537b\u4f9d\u7136\u300c\u5916\u5bec\u5167\u7dca\u300d\u3002<\/p>\n\n\n\n<p>\u6839\u64da <a href=\"https:\/\/www.hkma.gov.hk\/chi\/news-and-media\/press-releases\/2026\/01\/20260130-8\/\" target=\"_blank\" rel=\"noopener\">\u9999\u6e2f\u91d1\u878d\u7ba1\u7406\u5c40 2026 \u5e74 1 \u6708\u516c\u4f48\u7684\u6700\u65b0\u8abf\u67e5\u7d50\u679c<\/a>\uff0c2025 \u5e74\u7b2c 4 \u5b63\u672b\u7684\u8ca0\u8cc7\u7522\u4f4f\u5b85\u6309\u63ed\u8cb8\u6b3e\u5b97\u6578\u4ecd\u9304\u5f97 21,304 \u5b97 \u3002\u5728\u9019\u7a2e\u9ad8\u4f01\u7684\u6578\u5b57\u4e0b\uff0c\u9280\u884c\u7db2\u4e0a\u4f30\u50f9\u7cfb\u7d71\u5f80\u5f80\u6975\u5ea6\u4fdd\u5b88\uff0c\u672a\u80fd\u53cd\u6620\u771f\u5be6\u5e02\u6cc1\uff0c\u4ee4\u4e0d\u5c11\u6025\u9700\u8cc7\u91d1\u5468\u8f49\u7684\u4e2d\u5c0f\u4f01\u8001\u95c6\u6216\u6e96\u696d\u4e3b\uff0c\u5728\u7533\u8acb\u6a13\u5b87\u6309\u63ed\u6642\u8655\u8655\u78b0\u58c1 \u3002\u5c0d\u8a31\u591a\u9999\u6e2f\u696d\u4e3b\u800c\u8a00\uff0c\u6a13\u5b87\u6309\u63ed\u4e0d\u53ea\u662f\u4e00\u4efd\u8cb7\u6a13\u7684\u8cb8\u6b3e\u5408\u7d04\uff0c\u66f4\u662f\u628a\u63e1\u751f\u610f\u826f\u6a5f\u3001\u89e3\u6c7a\u8cc7\u91d1\u5468\u8f49\u3001\u751a\u81f3\u514d\u65bc\u300c\u8ce4\u8ce3\u300d\u7269\u696d\u7684\u95dc\u9375\u5de5\u5177\u3002 \u672c\u6587\u5c07\u70ba\u60a8\u5b8f\u89c0\u62c6\u89e3 2026 \u5e74\u6700\u65b0\u6309\u63ed\u5e02\u6cc1\u4e0b\u7684\u9748\u6d3b\u5957\u73fe\u7b56\u7565<\/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=\"4 \u5927\u6a13\u5b87\u6309\u63ed\u7a2e\u985e\u5927\u89e3\u95b1\uff1a\u54ea\u4e00\u6b3e\u6700\u9069\u5408\u60a8\uff1f\">4 \u5927\u6a13\u5b87\u6309\u63ed\u7a2e\u985e\u5927\u89e3\u95b1\uff1a\u54ea\u4e00\u6b3e\u6700\u9069\u5408\u60a8\uff1f<\/h2>\n\n\n\n<div class=\"wp-block-group gicl-summary-box\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<p><strong>\u91cd\u9ede\u6458\u8981<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u4e00\u6309\uff1a\u5927\u984d\u5957\u73fe\uff0c\u9069\u5408\u9700\u5927\u7b46\u8cc7\u91d1\u6216\u514d\u5165\u606f\u5be9\u6279\u500b\u6848\u3002<\/li>\n\n\n\n<li>\u4e8c\u6309\uff1a\u4fdd\u7559\u9280\u884c\u4e00\u6309\uff0c\u984d\u5916\u5957\u73fe\u3002<\/li>\n\n\n\n<li>\u8f49\u6309\uff0f\u52a0\u6309\uff1a\u6574\u5408\u50b5\u52d9\u6216\u5229\u7528\u7269\u696d\u6c34\u4f4d\u52a0\u501f\u3002<\/li>\n<\/ul>\n<\/div><\/div>\n\n\n\n<p>\u8981\u5c07\u7269\u696d\u7684\u50f9\u503c\u767c\u63ee\u5230\u6700\u5927\uff0c\u60a8\u5fc5\u9808\u5148\u4e86\u89e3\u4e0d\u540c\u6309\u63ed\u8ca1\u6280\u7684\u5206\u5225\u3002\u4ee5\u4e0b\u662f\u9999\u6e2f\u6700\u5e38\u898b\u7684 4 \u5927\u6a13\u5b87\u6309\u63ed\u7a2e\u985e\uff1a<\/p>\n\n\n\n<p>1. \u4e00\u6309\uff1a\u5927\u984d\u5957\u73fe\uff0c\u7121\u61fc\u9280\u884c\u56b4\u683c\u5be9\u67e5<\/p>\n\n\n\n<p>\u6a13\u5b87\u4e00\u6309\u662f\u6307\u5c07\u5c1a\u672a\u627f\u9020\u4efb\u4f55\u6309\u63ed\u3001\u6216\u5df2\u7d93\u4f9b\u6eff\u7684\u7269\u696d\uff0c\u4f5c\u70ba\u62b5\u62bc\u54c1\u7533\u8acb\u8cb8\u6b3e\u3002<\/p>\n\n\n\n<p>\u9032\u4e00\u6b65\u4e86\u89e3\u6210\u6578\u8207\u5229\u7387\uff0c\u8acb\u67e5\u770b\u8a73\u7d30\u7684&nbsp;<strong><a href=\"https:\/\/gicl.com.hk\/first-mortgage\">[\u6a13\u5b87\u4e00\u6309]<\/a><\/strong>&nbsp;\u670d\u52d9\u6307\u5357\u3002<\/p>\n\n\n\n<div style=\"height:10px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>2. \u4e8c\u6309\uff1a\u4fdd\u7559\u4f4e\u606f\u4e00\u6309\uff0c\u9748\u6d3b\u5957\u73fe<\/p>\n\n\n\n<p>\u4e8c\u6309\u662f\u6307\u5728\u539f\u6709\u9280\u884c\u4e00\u6309\u4ecd\u5728\u4f9b\u6b3e\u7684\u60c5\u6cc1\u4e0b\uff0c\u5229\u7528\u7269\u696d\u5347\u503c\u7684\u300c\u6c34\u4f4d\u300d\uff0c\u5411\u53e6\u4e00\u9593\u6a5f\u69cb\u52a0\u501f\u7b2c\u4e8c\u7b46\u8cb8\u6b3e\u3002<\/p>\n\n\n\n<p>\u5982\u679c\u60a8\u60f3\u4fdd\u7559\u76ee\u524d\u7684\u4f4e\u606f H \u6309\uff0c\u540c\u6642\u6975\u901f\u5957\u73fe\u6e05\u5361\u6578\uff0c\u8acb\u76f4\u63a5\u67e5\u770b\u6211\u5011\u5c08\u5c6c\u7684&nbsp;<strong><a href=\"https:\/\/gicl.com.hk\/second-mortgage\">[\u6a13\u5b87\u4e8c\u6309]<\/a><\/strong>&nbsp;\u670d\u52d9\u65b9\u6848\u3002<\/p>\n\n\n\n<div style=\"height:10px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>3. \u7269\u696d\u8f49\u6309\uff1a\u6574\u5408\u50b5\u52d9\uff0c\u771f\u6b63\u6173\u606f\u65b9\u6848<\/p>\n\n\n\n<p>\u8f49\u6309\u662f\u5c07\u73fe\u6709\u7684\u6309\u63ed\u8cb8\u6b3e\uff08\u751a\u81f3\u9023\u540c\u5176\u4ed6\u9ad8\u606f\u50b5\u52d9\uff09\u8f49\u79fb\u81f3\u53e6\u4e00\u9593\u8cb8\u6b3e\u6a5f\u69cb\u3002\u5982\u679c\u60a8\u539f\u6709\u7684\u6309\u63ed\u7f70\u606f\u671f\u5df2\u904e\uff0c\u8f49\u6309\u53ef\u4ee5\u5e6b\u60a8\u5957\u73fe\u8cc7\u91d1\u9031\u8f49\u3002 \u66f4\u91cd\u8981\u7684\u662f\uff0c\u82e5\u60a8\u66fe\u4e0d\u5c0f\u5fc3\u627f\u9020\u4e86\u975e\u6b63\u898f\u8ca1\u52d9\u516c\u53f8\u7684\u9ad8\u606f\u4e8c\u6309\uff0cGICL \u74b0\u7403\u4fe1\u8cb8 \u80fd\u70ba\u60a8\u5ea6\u8eab\u8a02\u9020\u300c\u4e00\u6309\u4e8c\u6309\u5408\u4f75\u8f49\u6309\u300d\u65b9\u6848\u3002\u6211\u5011\u66fe\u5354\u52a9\u4e00\u4f4d\u696d\u4e3b\u5c07\u6975\u9ad8\u606f\u7684\u4e8c\u6309\u8207\u9280\u884c\u4e00\u6309\u5408\u4f75\uff0c\u8f49\u81f3 GICL \u74b0\u7403\u4fe1\u8cb8\uff0c\u6bcf\u6708\u4f9b\u6b3e\u7531 $24,000 \u5927\u5e45\u4e0b\u964d\u81f3 $14,000\uff0c\u6bcf\u5e74\u7bc0\u7701\u903e 10 \u842c\u5143\u5229\u606f\u3002 \u540c\u6642\uff0c\u6211\u5011\u66f4\u6703\u7279\u9078\u5ba2\u6236\u8c41\u514d\u8f49\u6309\u5f8b\u5e2b\u8cbb\u53ca\u4f30\u50f9\u8cbb\u3002<\/p>\n\n\n\n<p><a href=\"https:\/\/gicl.com.hk\/mortgage-refinancing-guide-2026\/\">  \u6df1\u5165\u4e86\u89e3\uff1a[\u8f49\u6309\u5168\u653b\u75652026\uff1a\u4e00\u6309\u4e8c\u6309\u5408\u4f75\u8f49\u6309\u6559\u5b78]<\/a><\/p>\n\n\n\n<div style=\"height:10px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>4. \u6a13\u5b87\u52a0\u6309\uff1a\u5229\u7528\u7269\u696d\u300c\u6c34\u4f4d\u300d\u9748\u6d3b\u5957\u73fe<\/p>\n\n\n\n<p>\u7576\u7269\u696d\u5347\u503c\u6216\u60a8\u5df2\u511f\u9084\u5927\u90e8\u4efd\u672c\u91d1\uff0c\u5373\u4ee3\u8868\u7269\u696d\u5c1a\u6709\u300c\u6c34\u4f4d\u300d\u53ef\u501f\uff0c\u60a8\u53ef\u4ee5\u9078\u64c7\u52a0\u6309\u3002\u8207\u50b3\u7d71\u9280\u884c\u6f2b\u9577\u7684\u5be9\u6279\u4e0d\u540c\uff0cGICL \u74b0\u7403\u4fe1\u8cb8 \u63d0\u4f9b\u7684\u52a0\u6309\u5957\u73fe\u65b9\u6848\u7121\u9700\u5165\u606f\u8b49\u660e\uff0c\u4e14\u514d\u58d3\u529b\u6e2c\u8a66\u3002\u82e5\u60a8\u7684\u539f\u9280\u884c\u6309\u63ed\u5229\u7387\u6975\u4f4e\uff08\u5982 H+1.3%\uff09\uff0c\u4e0d\u60f3\u56e0\u70ba\u52a0\u6309\u800c\u5931\u53bb\u4f4e\u606f\u512a\u52e2\uff0c\u60a8\u4ea6\u53ef\u9078\u64c7\u4ee5\u300c\u4e8c\u6309\u300d\u7684\u5f62\u5f0f\u5728 \u74b0\u7403\u4fe1\u8cb8 \u52a0\u501f\u8cc7\u91d1\uff0c\u9054\u81f4\u540c\u6a23\u7684\u5957\u73fe\u6548\u679c\u3002<\/p>\n\n\n\n<p><a href=\"https:\/\/gicl.com.hk\/mortgage-refinancing-cash-out-2026\/\">\u6df1\u5165\u4e86\u89e3\uff1a[\u7269\u696d\u5957\u73fe\u8207\u6a13\u5b87\u52a0\u6309\u5168\u653b\u7565 2026]<\/a><\/p>\n\n\n\n<div style=\"height:10px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>5. \u8eca\u4f4d\u53ca\u5de5\u5546\u7269\u696d\u6309\u63ed\uff1a\u91cb\u653e\u5404\u985e\u8cc7\u7522\u6f5b\u529b<\/p>\n\n\n\n<p>\u9664\u4e86\u4e00\u822c\u79c1\u4eba\u4f4f\u5b85\uff0cGICL \u74b0\u7403\u4fe1\u8cb8 \u7684\u6309\u63ed\u670d\u52d9\u5168\u9762\u6db5\u84cb\u8eca\u4f4d\u3001\u5beb\u5b57\u6a13\u3001\u5546\u8216\u3001\u5de5\u5ee0\u5927\u5ec8\u751a\u81f3\u571f\u5730\uff08\u5730\u76ae\uff09\u3002\u50b3\u7d71\u9280\u884c\u5c0d\u9019\u985e\u975e\u4f4f\u5b85\u7269\u696d\u7684\u4f30\u50f9\u6975\u70ba\u4fdd\u5b88\uff0c\u4e14\u6210\u6578\u901a\u5e38\u6700\u9ad8\u53ea\u6709 5 \u81f3 6 \u6210\u3002\u76f8\u53cd\uff0c\u74b0\u7403\u4fe1\u8cb8 \u63d0\u4f9b\u6975\u5177\u5f48\u6027\u7684\u4f30\u50f9\uff0c\u8cb8\u6b3e\u6210\u6578\u9ad8\u9054 7\u6210\uff0c\u4e14\u7121\u6a13\u9f61\u9650\u5236\u3002 \u6211\u5011\u66fe\u5354\u52a9\u7269\u6d41\u516c\u53f8\u8001\u95c6\u5229\u7528\u540d\u4e0b\u5de5\u5ec8\u55ae\u4f4d\u6975\u901f\u5957\u73fe\uff0c\u89e3\u6c7a\u4e86\u589e\u8cfc\u8eca\u968a\u7684\u71c3\u7709\u4e4b\u6025\u3002 \u7121\u8ad6\u662f\u6295\u8cc7\u7368\u7acb\u8eca\u4f4d\uff0c\u9084\u662f\u6025\u9700\u5927\u984d\u751f\u610f\u5468\u8f49\uff0c\u6211\u5011\u90fd\u80fd\u5c07\u60a8\u7684\u9592\u7f6e\u8cc7\u7522\u8f49\u5316\u70ba\u5f37\u5927\u73fe\u91d1\u6d41\u3002<\/p>\n\n\n\n<p>  <a href=\"https:\/\/gicl.com.hk\/car-park-mortgage-guide-2026\/\">\u6df1\u5165\u4e86\u89e3\uff1a[2026 \u8eca\u4f4d\u6309\u63ed\u6210\u6578\u600e\u6a23\u8a08]<\/a><\/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=\"\u696d\u4e3b\u9ede\u63c0\u597d\uff1f3 \u500b\u771f\u5be6\u60c5\u5883\u6c7a\u7b56\u5206\u6790\">\u696d\u4e3b\u9ede\u63c0\u597d\uff1f3 \u500b\u771f\u5be6\u60c5\u5883\u6c7a\u7b56\u5206\u6790<\/h2>\n\n\n\n<div class=\"wp-block-group gicl-summary-box\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<p><strong>\u91cd\u9ede\u6458\u8981<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u60f3\u6e05\u5361\u6578\u53c8\u60f3\u4fdd\u7559\u4f4e\u606f\u4e00\u6309 \u2192 \u591a\u6578\u9078\u4e8c\u6309\u3002<\/li>\n\n\n\n<li>\u7f70\u606f\u671f\u904e\u3001\u7269\u696d\u5347\u503c \u2192 \u53ef\u8003\u616e\u8f49\u6309\u5957\u73fe\u3002<\/li>\n\n\n\n<li>\u6025\u9700\u5927\u984d\u3001\u6642\u9593\u6975\u77ed \u2192 \u8ca1\u52d9\u516c\u53f8\u4e00\u6309\uff0f\u4e8c\u6309\u8f03\u5408\u9069\u3002<\/li>\n<\/ul>\n<\/div><\/div>\n\n\n\n<p>\u9762\u5c0d\u591a\u7a2e<strong>\u6a13\u5b87\u6309\u63ed<\/strong>\u65b9\u6848\uff0c\u696d\u4e3b\u61c9\u5982\u4f55\u6c7a\u7b56\uff1f\u4ee5\u4e0b\u63d0\u4f9b 3 \u500b\u5e38\u898b\u60c5\u5883\u4f9b\u4f60\u53c3\u8003\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u60c5\u5883\u4e00\uff1a\u6211\u60f3\u6e05\u9084\u9ad8\u606f\u5361\u6578\uff0c\u4f46\u4e0d\u60f3\u5931\u53bb\u9280\u884c H \u6309\u6975\u4f4e\u606f\u3002<\/strong>\n<ul class=\"wp-block-list\">\n<li><strong>\u2705 \u6700\u4f73\u9078\u64c7\uff1a\u4e8c\u6309\u3002<\/strong>&nbsp;\u4f60\u53ef\u4ee5\u4fdd\u7559\u9280\u884c\u7684\u4e00\u6309\u4f4e\u606f\uff0c\u5229\u7528\u4e8c\u6309\u6975\u901f\u501f\u53d6\u5e7e\u5341\u842c\u6e05\u5361\u6578\uff0c\u6e1b\u8f15\u6574\u9ad4\u6bcf\u6708\u4f9b\u6b3e\u58d3\u529b\u3002<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<div style=\"height:15px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u60c5\u5883\u4e8c\uff1a\u6211\u7684\u9280\u884c\u6309\u63ed\u7f70\u606f\u671f\u525b\u525b\u7d50\u675f\uff0c\u7269\u696d\u5347\u503c\u4e86 200 \u842c\u3002<\/strong>\n<ul class=\"wp-block-list\">\n<li><strong>\u2705 \u6700\u4f73\u9078\u64c7\uff1a\u8f49\u6309\u5957\u73fe\u3002<\/strong>&nbsp;\u5c07\u6574\u7b46\u6309\u63ed\u8f49\u5230\u65b0\u6a5f\u69cb\uff0c\u4e0d\u4f46\u80fd\u8cfa\u53d6\u8fce\u65b0\u56de\u8d08\uff0c\u9084\u80fd\u5c07\u5347\u503c\u7684 200 \u842c\u5168\u6578\u5957\u73fe\u843d\u888b\u3002<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<div style=\"height:15px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u60c5\u5883\u4e09\uff1a\u6211\u662f\u4e2d\u5c0f\u4f01\u8001\u95c6\uff0c\u6025\u9700\u4e00\u7b46 500 \u842c\u8cc7\u91d1\u5728 3 \u5929\u5167\u8cb7\u8ca8\u3002<\/strong>\n<ul class=\"wp-block-list\">\n<li><strong>\u2705 \u6700\u4f73\u9078\u64c7\uff1a\u8ca1\u52d9\u516c\u53f8\u4e00\u6309 \/ \u4e8c\u6309\u3002<\/strong>&nbsp;\u50b3\u7d71\u9280\u884c\u5be9\u6279\u52d5\u8f12 1-2 \u500b\u6708\uff0c\u9060\u6c34\u4e0d\u80fd\u6551\u8fd1\u706b\u3002\u627e GICL \u9019\u985e\u8ca1\u52d9\u516c\u53f8\uff0c\u6700\u5feb 24 \u5c0f\u6642\u6279\u6838\uff0c\u52a9\u4f60\u5373\u6642\u9396\u5b9a\u5546\u6a5f\u3002<\/li>\n<\/ul>\n<\/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=\"\u9280\u884c vs \u8ca1\u52d9\u516c\u53f8\uff1a\u6a13\u5b87\u6309\u63ed\u5be9\u6279\u7684 3 \u5927\u81f4\u547d\u5dee\u7570\">\u9280\u884c vs \u8ca1\u52d9\u516c\u53f8\uff1a\u6a13\u5b87\u6309\u63ed\u5be9\u6279\u7684 3 \u5927\u81f4\u547d\u5dee\u7570<\/h2>\n\n\n\n<div class=\"wp-block-group gicl-summary-box\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<p><strong>\u91cd\u9ede\u6458\u8981<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u5165\u606f\u8207\u6587\u4ef6\u8981\u6c42\uff1a\u9280\u884c\u504f\u56b4\uff1b\u8ca1\u52d9\u516c\u53f8\u6709\u514d\u5165\u606f\uff0f\u8cc7\u7522\u5be9\u6279\u9078\u9805\u3002<\/li>\n\n\n\n<li>\u6279\u6838\u901f\u5ea6\uff1a\u9280\u884c\u8f03\u9577\uff1b\u5408\u8cc7\u683c\u500b\u6848\u53ef\u6975\u901f\u6279\u6838\u3002<\/li>\n\n\n\n<li>\u7269\u696d\u8207\u6a13\u9f61\uff1a\u9280\u884c\u4f30\u50f9\u504f\u4fdd\u5b88\uff1b\u8ca1\u52d9\u516c\u53f8\u8986\u84cb\u9762\u53ef\u66f4\u5ee3\u3002<\/li>\n<\/ul>\n<\/div><\/div>\n\n\n\n<p>\u8a31\u591a\u696d\u4e3b\u4ee5\u70ba\u7533\u8acb\u6309\u63ed\u53ea\u80fd\u627e\u9280\u884c\uff0c\u4f46\u82e5\u9047\u5230\u4ee5\u4e0b 3 \u7a2e\u60c5\u6cc1\uff0c\u5982 GICL \u74b0\u7403\u4fe1\u8cb8 \u822c\u5177\u898f\u6a21\u7684\u6301\u724c\u8ca1\u52d9\u516c\u53f8\uff0c\u5f80\u5f80\u662f\u66f4\u4f73\u7684\u51fa\u8def\uff1a<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>\u5165\u606f\u8b49\u660e\u8981\u6c42\uff1a<\/strong>\u9280\u884c\u5fc5\u9808\u67e5\u95b1 1-3 \u5e74\u7684\u7a05\u55ae\u6216\u5be9\u8a08\u5831\u544a\uff1b\u800c GICL \u74b0\u7403\u4fe1\u8cb8\u63d0\u4f9b\u771f\u6b63\u514d\u5165\u606f\u8b49\u660e\u7684\u65b9\u6848\uff0c\u63a1\u7528\u300c\u8cc7\u7522\u5be9\u6279\u300d\uff0c\u7279\u5225\u9069\u5408\u73fe\u91d1\u51fa\u7ce7\u6216\u81ea\u50f1\u4eba\u58eb\u3002<\/li>\n\n\n\n<li><strong>\u6279\u6838\u901f\u5ea6\uff1a<\/strong>\u9280\u884c\u5be9\u6279\u901a\u5e38\u9700\u6642 1-2 \u500b\u6708\uff1bGICL \u74b0\u7403\u4fe1\u8cb8\u5728\u6587\u4ef6\u9f4a\u5168\u4e0b\uff0c\u6700\u5feb 24 \u5c0f\u6642\u5167\u5b8c\u6210\u521d\u6b65\u6279\u6838\uff0c\u6700\u5feb\u7b2c 2 \u500b\u5de5\u4f5c\u5929\u653e\u6b3e\u3002<\/li>\n\n\n\n<li><strong>\u6a13\u9f61\u8207\u7269\u696d\u985e\u578b\u9650\u5236\uff1a<\/strong>\u9280\u884c\u5c0d\u9ad8\u9f61\u5510\u6a13\u6216\u6751\u5c4b\u7684\u4f30\u50f9\u6975\u70ba\u4fdd\u5b88\uff1bGICL \u74b0\u7403\u4fe1\u8cb8\u5247\u4e0d\u9650\u6a13\u9f61\uff0c\u63a5\u53d7\u5404\u985e\u7269\u696d\u7533\u8acb\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=\"\u4e00\u5716\u770b\u6e05\uff1a\u6a13\u5b87\u6309\u63ed\u6210\u6578\u8207\u5229\u606f\u5feb\u901f\u6bd4\u8f03\u8868\">\u4e00\u5716\u770b\u6e05\uff1a\u6a13\u5b87\u6309\u63ed\u6210\u6578\u8207\u5229\u606f\u5feb\u901f\u6bd4\u8f03\u8868<\/h2>\n\n\n\n<div class=\"wp-block-group gicl-summary-box\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<p><strong>\u91cd\u9ede\u6458\u8981<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u9280\u884c\u8207\u8ca1\u52d9\u516c\u53f8\u5728\u6210\u6578\u3001\u606f\u7387\u8207\u9084\u6b3e\u671f\u4e0a\u5404\u6709\u53d6\u6368\u3002<\/li>\n\n\n\n<li>\u5b9c\u540c\u6642\u6bd4\u8f03\u300c\u8868\u9762\u5229\u7387\u300d\u8207\u5be6\u969b\u689d\u6b3e\uff08\u7f70\u606f\u671f\u3001\u8cbb\u7528\uff09\u3002<\/li>\n\n\n\n<li>\u500b\u6848\u4e0d\u540c\uff0c\u5efa\u8b70\u4ee5\u5c08\u696d\u8a55\u4f30\u914d\u5408\u81ea\u8eab\u73fe\u91d1\u6d41\u6c7a\u7b56\u3002<\/li>\n<\/ul>\n<\/div><\/div>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>\u6bd4\u8f03\u9805\u76ee<\/th><th>\u9280\u884c\u6309\u63ed<\/th><th>GICL \u74b0\u7403\u4fe1\u8cb8<\/th><\/tr><\/thead><tbody><tr><td><strong>\u6309\u63ed\u6210\u6578<\/strong><\/td><td>\u6700\u9ad8 9 \u6210\uff08\u9700\u8cfc\u8cb7\u6309\u63ed\u4fdd\u96aa\uff09<\/td><td><strong>\u9ad8\u9054\u4f30\u503c 8 \u6210<\/strong>\uff08\u514d\u58d3\u6e2c\uff09<\/td><\/tr><tr><td><strong>\u5229\u606f\u8a08\u7b97<\/strong><\/td><td>H\u6309 \/ P\u6309\uff08\u6d6e\u52d5 \u2013 \u73fe\u6642\u7d04 3.8% &#8211; 4.1%)<\/td><td><strong>\u56fa\u5b9a\u5e74\u606f<\/strong>\uff08\u4f4e\u81f3 8% p.a.\uff09<\/td><\/tr><tr><td><strong>\u6700\u9577\u9084\u6b3e\u671f<\/strong><\/td><td>360 \u671f\uff0830\u5e74\uff09<\/td><td><strong>\u9ad8\u9054 240 \u671f<\/strong>\uff0820\u5e74\uff09<\/td><\/tr><tr><td><strong>\u63d0\u65e9\u9084\u6b3e\u7f70\u606f\u671f<\/strong><\/td><td>\u901a\u5e38 2 &#8211; 3 \u5e74<\/td><td>\u8996\u4e4e\u5408\u7d04\uff0c<strong>\u63d0\u4f9b\u514d\u7f70\u606f\u65b9\u6848<\/strong><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>  \u60f3\u770b\u8a73\u7d30\u7684 H\u6309\/P\u6309 \u5229\u606f\u8d70\u52e2\u8207\u56de\u8d08\u8a08\u7b97\uff1f<\/p>\n\n\n\n<p>  <a href=\"https:\/\/gicl.com.hk\/%E6%8C%89%E6%8F%AD%E6%AF%94%E8%BC%83-%E6%A8%93%E5%AE%87%E6%8C%89%E6%8F%AD%E5%88%A9%E7%8E%87%E6%88%90%E6%95%B8%E5%8F%8A%E5%9B%9E%E8%B4%88%E5%84%AA%E6%83%A0\/\">[\u9ede\u64ca\u67e5\u770b\uff1a\u7269\u696d\u6309\u63ed\u6bd4\u8f03 2026 \u5b8c\u6574\u7248]<\/a><\/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=\"faq-building-mortgage\">\u6a13\u5b87\u6309\u63ed\u5e38\u898b\u554f\u984c FAQ<\/h2>\n\n\n\n<div data-wp-context=\"{ &quot;autoclose&quot;: false, &quot;accordionItems&quot;: [] }\" data-wp-interactive=\"core\/accordion\" role=\"group\" class=\"wp-block-accordion is-layout-flow wp-block-accordion-is-layout-flow\">\n<div data-wp-class--is-open=\"state.isOpen\" data-wp-context=\"{ &quot;id&quot;: &quot;accordion-item-1&quot;, &quot;openByDefault&quot;: false }\" data-wp-init=\"callbacks.initAccordionItems\" data-wp-on-window--hashchange=\"callbacks.hashChange\" class=\"wp-block-accordion-item is-layout-flow wp-block-accordion-item-is-layout-flow\">\n<h4 id=\"faq-q1\" class=\"wp-block-accordion-heading\"><button aria-expanded=\"false\" aria-controls=\"accordion-item-1-panel\" data-wp-bind--aria-expanded=\"state.isOpen\" data-wp-on--click=\"actions.toggle\" data-wp-on--keydown=\"actions.handleKeyDown\" id=\"accordion-item-1\" type=\"button\" class=\"wp-block-accordion-heading__toggle\"><span class=\"wp-block-accordion-heading__toggle-title\">Q1: \u7533\u8acb GICL \u7684\u6a13\u5b87\u6309\u63ed\u6703\u5f71\u97ff\u6211\u7684\u4fe1\u8cb8\u8a55\u7d1a (TU) \u55ce\uff1f<\/span><span class=\"wp-block-accordion-heading__toggle-icon\" aria-hidden=\"true\">+<\/span><\/button><\/h4>\n\n\n\n<div inert aria-labelledby=\"accordion-item-1\" data-wp-bind--inert=\"!state.isOpen\" id=\"accordion-item-1-panel\" role=\"region\" class=\"wp-block-accordion-panel is-layout-flow wp-block-accordion-panel-is-layout-flow\">\n<p>A: \u4e0d\u6703\u3002GICL \u7684\u5be9\u6279\u4e3b\u8981\u57fa\u65bc\u7269\u696d\u50f9\u503c\uff0c\u6211\u5011\u4e0d\u9700\u8981\u4e0a\u5831\u60a8\u7684\u8cb8\u6b3e\u7d66\u74b0\u806f\u4fe1\u8cb8\u5831\u544a (TU Report)\u3002\u5373\u4f7f\u60a8\u904e\u5f80 TU \u8a55\u7d1a\u6b20\u4f73\uff0c\u53ea\u8981\u7269\u696d\u6709\u50f9\u503c\uff0c\u4ecd\u6709\u5f88\u5927\u6a5f\u6703\u7372\u6279\u3002<\/p>\n<\/div>\n<\/div>\n\n\n\n<div data-wp-class--is-open=\"state.isOpen\" data-wp-context=\"{ &quot;id&quot;: &quot;accordion-item-2&quot;, &quot;openByDefault&quot;: false }\" data-wp-init=\"callbacks.initAccordionItems\" data-wp-on-window--hashchange=\"callbacks.hashChange\" class=\"wp-block-accordion-item is-layout-flow wp-block-accordion-item-is-layout-flow\">\n<h4 class=\"wp-block-accordion-heading\"><button aria-expanded=\"false\" aria-controls=\"accordion-item-2-panel\" data-wp-bind--aria-expanded=\"state.isOpen\" data-wp-on--click=\"actions.toggle\" data-wp-on--keydown=\"actions.handleKeyDown\" id=\"accordion-item-2\" type=\"button\" class=\"wp-block-accordion-heading__toggle\"><span class=\"wp-block-accordion-heading__toggle-title\">Q2: \u5982\u679c\u662f\u806f\u540d\u7269\u696d\uff0c\u53ef\u4ee5\u55ae\u65b9\u9762\u7533\u8acb\u6a13\u5b87\u6309\u63ed\u55ce\uff1f<\/span><span class=\"wp-block-accordion-heading__toggle-icon\" aria-hidden=\"true\">+<\/span><\/button><\/h4>\n\n\n\n<div inert aria-labelledby=\"accordion-item-2\" data-wp-bind--inert=\"!state.isOpen\" id=\"accordion-item-2-panel\" role=\"region\" class=\"wp-block-accordion-panel is-layout-flow wp-block-accordion-panel-is-layout-flow\">\n<p>A: \u53ef\u4ee5\u3002\u53ea\u8981\u60a8\u64c1\u6709\u8a72\u7269\u696d 1\/2 \u6216\u4ee5\u4e0a\u7684\u696d\u6b0a\uff0cGICL \u5747\u63a5\u53d7\u60a8\u7684\u6309\u63ed\u8cb8\u6b3e\u7533\u8acb\uff0c\u63d0\u4f9b\u6975\u5927\u7684\u9748\u6d3b\u6027\u3002<\/p>\n<\/div>\n<\/div>\n\n\n\n<div data-wp-class--is-open=\"state.isOpen\" data-wp-context=\"{ &quot;id&quot;: &quot;accordion-item-3&quot;, &quot;openByDefault&quot;: false }\" data-wp-init=\"callbacks.initAccordionItems\" data-wp-on-window--hashchange=\"callbacks.hashChange\" class=\"wp-block-accordion-item is-layout-flow wp-block-accordion-item-is-layout-flow\">\n<h4 class=\"wp-block-accordion-heading\"><button aria-expanded=\"false\" aria-controls=\"accordion-item-3-panel\" data-wp-bind--aria-expanded=\"state.isOpen\" data-wp-on--click=\"actions.toggle\" data-wp-on--keydown=\"actions.handleKeyDown\" id=\"accordion-item-3\" type=\"button\" class=\"wp-block-accordion-heading__toggle\"><span class=\"wp-block-accordion-heading__toggle-title\">Q3: \u7533\u8acb GICL \u6309\u63ed\u624b\u7e8c\u662f\u5426\u9700\u8981\u7d93\u7531\u5f8b\u5e2b\u6a13\u8fa6\u7406\uff1f<\/span><span class=\"wp-block-accordion-heading__toggle-icon\" aria-hidden=\"true\">+<\/span><\/button><\/h4>\n\n\n\n<div inert aria-labelledby=\"accordion-item-3\" data-wp-bind--inert=\"!state.isOpen\" id=\"accordion-item-3-panel\" role=\"region\" class=\"wp-block-accordion-panel is-layout-flow wp-block-accordion-panel-is-layout-flow\">\n<p>A: \u662f\u7684\u3002\u70ba\u4fdd\u969c\u96d9\u65b9\u5229\u76ca\uff0c\u74b0\u7403\u4fe1\u8cb8\u6703\u59d4\u8a17\u4f4d\u65bc\u4e2d\u74b0\u5340\u5177\u898f\u6a21\u7684\u5f8b\u5e2b\u6a13\u8fa6\u7406\u76f8\u95dc\u6309\u63ed\u624b\u7e8c\u3002\u70ba\u6e1b\u8f15\u696d\u4e3b\u8ca0\u64d4\uff0cGICL \u66f4\u6703\u9001\u51fa\u7533\u8acb\u6a13\u5b87\u6309\u63ed\u6642\u7684\u5f8b\u5e2b\u8cbb\u548c\u4f30\u50f9\u8cbb\uff08\u53d7\u689d\u6b3e\u7d04\u675f\uff09\u3002<\/p>\n<\/div>\n<\/div>\n\n\n\n<div data-wp-class--is-open=\"state.isOpen\" data-wp-context=\"{ &quot;id&quot;: &quot;accordion-item-4&quot;, &quot;openByDefault&quot;: false }\" data-wp-init=\"callbacks.initAccordionItems\" data-wp-on-window--hashchange=\"callbacks.hashChange\" class=\"wp-block-accordion-item is-layout-flow wp-block-accordion-item-is-layout-flow\">\n<h4 class=\"wp-block-accordion-heading\"><button aria-expanded=\"false\" aria-controls=\"accordion-item-4-panel\" data-wp-bind--aria-expanded=\"state.isOpen\" data-wp-on--click=\"actions.toggle\" data-wp-on--keydown=\"actions.handleKeyDown\" id=\"accordion-item-4\" type=\"button\" class=\"wp-block-accordion-heading__toggle\"><span class=\"wp-block-accordion-heading__toggle-title\">Q4: \u6211\u539f\u672c\u5728\u9280\u884c\u6709\u4e00\u6309\uff0c\u518d\u5411 GICL \u7533\u8acb\u4e8c\u6309\uff0c\u9280\u884c\u6703\u77e5\u9053\u55ce\uff1f<\/span><span class=\"wp-block-accordion-heading__toggle-icon\" aria-hidden=\"true\">+<\/span><\/button><\/h4>\n\n\n\n<div inert aria-labelledby=\"accordion-item-4\" data-wp-bind--inert=\"!state.isOpen\" id=\"accordion-item-4-panel\" role=\"region\" class=\"wp-block-accordion-panel is-layout-flow wp-block-accordion-panel-is-layout-flow\">\n<p>A: GICL \u7684\u4e8c\u6309\u670d\u52d9\u5b8c\u5168\u7368\u7acb\u904b\u4f5c\uff0c\u6211\u5011\u4e0d\u6703\u4e3b\u52d5\u901a\u77e5\u60a8\u7684\u4e00\u6309\u9280\u884c\uff0c\u78ba\u4fdd\u60a8\u7684\u8cc7\u91d1\u5468\u8f49\u4fdd\u6301\u9ad8\u79c1\u96b1\u5ea6\u3002<\/p>\n<\/div>\n<\/div>\n\n\n\n<div data-wp-class--is-open=\"state.isOpen\" data-wp-context=\"{ &quot;id&quot;: &quot;accordion-item-5&quot;, &quot;openByDefault&quot;: false }\" data-wp-init=\"callbacks.initAccordionItems\" data-wp-on-window--hashchange=\"callbacks.hashChange\" class=\"wp-block-accordion-item is-layout-flow wp-block-accordion-item-is-layout-flow\">\n<h4 class=\"wp-block-accordion-heading\"><button aria-expanded=\"false\" aria-controls=\"accordion-item-5-panel\" data-wp-bind--aria-expanded=\"state.isOpen\" data-wp-on--click=\"actions.toggle\" data-wp-on--keydown=\"actions.handleKeyDown\" id=\"accordion-item-5\" type=\"button\" class=\"wp-block-accordion-heading__toggle\"><span class=\"wp-block-accordion-heading__toggle-title\">Q5: \u4efb\u4f55\u7269\u696d\u90fd\u53ef\u4ee5\u7533\u8acb\u6a13\u5b87\u6309\u63ed\u55ce\uff1f<\/span><span class=\"wp-block-accordion-heading__toggle-icon\" aria-hidden=\"true\">+<\/span><\/button><\/h4>\n\n\n\n<div inert aria-labelledby=\"accordion-item-5\" data-wp-bind--inert=\"!state.isOpen\" id=\"accordion-item-5-panel\" role=\"region\" class=\"wp-block-accordion-panel is-layout-flow wp-block-accordion-panel-is-layout-flow\">\n<p>A: \u50b3\u7d71\u9280\u884c\u5c0d\u9ad8\u9f61\u5510\u6a13\u3001\u6751\u5c4b\u6216\u5de5\u5546\u7269\u696d\u7684\u4f30\u50f9\u6975\u5ea6\u4fdd\u5b88\u3002\u4f46 GICL \u74b0\u7403\u4fe1\u8cb8\u63a5\u53d7\u5404\u7a2e\u985e\u578b\u7684\u7269\u696d\uff0c\u5305\u62ec\u79c1\u6a13\u3001\u672a\u88dc\u5730\u50f9\u5c45\u5c4b\u3001\u5de5\u5ec8\u3001\u5546\u8216\uff0c\u751a\u81f3\u7368\u7acb\u8eca\u4f4d\uff0c\u4e14\u4e0d\u8a2d\u6a13\u9f61\u9650\u5236\u3002<\/p>\n<\/div>\n<\/div>\n<\/div>\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\">  \u8cc7\u91d1\u5468\u8f49\u4e0d\u6c42\u4eba\uff01\u5225\u8b93\u8cc7\u91d1\u7f3a\u53e3\u903c\u60a8\u8ce4\u8ce3\u5fc3\u611b\u7269\u696d<\/h2>\n\n\n\n<p>\u7121\u8ad6\u60a8\u9700\u8981\u6a13\u5b87\u4e00\u6309\u3001\u4e8c\u6309\u9084\u662f\u8f49\u6309\u5957\u73fe\uff0cGICL \u74b0\u7403\u4fe1\u8cb8\u7684\u5c08\u696d\u5718\u968a\u90fd\u80fd\u70ba\u4f60\u5ea6\u8eab\u8a02\u9020\u6700\u5408\u9069\u7684<strong>\u6a13\u5b87\u6309\u63ed<\/strong>\u65b9\u6848\u3002\u6211\u5011\u627f\u8afe\uff1a<\/p>\n\n\n\n<p>GICL \u74b0\u7403\u4fe1\u8cb8\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 \u5099\u7528\u4fe1\u8cb8\u984d \u2014 \u6279\u5de6\u5514\u7528\u5514\u8a08\u606f<\/p>\n\n\n\n<p>\u2705 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\u7db2\u4e0a\u7533\u8acb\uff1a<a href=\"https:\/\/gicl.com.hk\/\">https:\/\/gicl.com.hk\/<\/a><\/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\u501f\u9322\u6897\u8981\u9084\uff0c\u54aa\u4ffe\u9322\u4e2d\u4ecb\uff01GICL 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[&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":916,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1],"tags":[3],"class_list":["post-5400","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized","tag-3"],"acf":[],"_links":{"self":[{"href":"https:\/\/gicl.com.hk\/en\/wp-json\/wp\/v2\/posts\/5400","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=5400"}],"version-history":[{"count":0,"href":"https:\/\/gicl.com.hk\/en\/wp-json\/wp\/v2\/posts\/5400\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/gicl.com.hk\/en\/wp-json\/wp\/v2\/media\/916"}],"wp:attachment":[{"href":"https:\/\/gicl.com.hk\/en\/wp-json\/wp\/v2\/media?parent=5400"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/gicl.com.hk\/en\/wp-json\/wp\/v2\/categories?post=5400"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/gicl.com.hk\/en\/wp-json\/wp\/v2\/tags?post=5400"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}