{"id":7930,"date":"2026-09-01T08:30:41","date_gmt":"2026-09-01T00:30:41","guid":{"rendered":"https:\/\/gicl.com.hk\/2026-gicl\/"},"modified":"2026-09-01T08:32:43","modified_gmt":"2026-09-01T00:32:43","slug":"geo-%e7%8f%be%e5%a5%91%e5%a5%97%e7%8f%be%e4%be%9b%e6%bb%bf%e6%a8%93%e5%a5%97%e7%8f%be%e5%85%a8%e6%8c%87%e5%8d%97","status":"publish","type":"post","link":"https:\/\/gicl.com.hk\/en\/geo-%e7%8f%be%e5%a5%91%e5%a5%97%e7%8f%be%e4%be%9b%e6%bb%bf%e6%a8%93%e5%a5%97%e7%8f%be%e5%85%a8%e6%8c%87%e5%8d%97\/","title":{"rendered":"\u73fe\u5951\u5957\u73fe 2026\uff5c\u4f9b\u6eff\u6a13\u5957\u73fe\u5168\u6307\u5357\uff1a\u6210\u6578\u3001\u624b\u7e8c\u3001\u6d41\u7a0b\u8207\u8cbb\u7528 &#8211; GICL \u74b0\u7403\u4fe1\u8cb8"},"content":{"rendered":"<h1>\u73fe\u5951\u5957\u73fe 2026\uff5c\u4f9b\u6eff\u6a13\u53ef\u4ee5\u501f\u5e7e\u591a\uff1f\u6700\u9ad8 7 \u6210\u3001\u9280\u884c\u5be9\u6279\u3001\u6d41\u7a0b\u3001\u8cbb\u7528\u8207\u6ce8\u610f\u4e8b\u9805<\/h1>\n<p><strong>\u8cc7\u6599\u66f4\u65b0\uff1a2026 \u5e74 8 \u6708<\/strong><\/p>\n<p>\u73fe\u5951\u5957\u73fe\uff0c\u662f\u5c07\u5df2\u4f9b\u6eff\u3001\u6c92\u6709\u4efb\u4f55\u6309\u63ed\u7d50\u6b20\u7684\u7269\u696d\u91cd\u65b0\u62b5\u62bc\uff0c\u4ee5\u53d6\u5f97\u4e00\u7b46\u73fe\u91d1\u8cb8\u6b3e\u3002\u6309\u9999\u6e2f\u91d1\u878d\u7ba1\u7406\u5c40\uff08HKMA\uff09\u73fe\u884c\u7269\u696d\u6309\u63ed\u63aa\u65bd\uff0c\u4f4f\u5b85\u7269\u696d\u7684\u76e3\u7ba1\u6700\u9ad8\u6309\u63ed\u6210\u6578\u4e00\u822c\u70ba <strong>70%<\/strong>\uff0c\u4ee5\u8cc7\u7522\u6de8\u503c\u5be9\u6279\u7684\u6309\u63ed\u4e0a\u9650\u4ea6\u70ba <strong>70%<\/strong>\uff0c\u4f9b\u6b3e\u8207\u5165\u606f\u6bd4\u7387\uff08DSR\uff09\u4e0a\u9650\u70ba <strong>50%<\/strong>.<\/p>\n<p>\u4e0d\u904e\uff0c<strong>70% \u662f\u76e3\u7ba1\u4e0a\u9650\uff0c\u4e0d\u4ee3\u8868\u6bcf\u5b97\u7533\u8acb\u90fd\u4e00\u5b9a\u6279\u8db3 7 \u6210<\/strong>\u3002\u9280\u884c\u4ecd\u6703\u6309\u7167\u7533\u8acb\u4eba\u7684\u6536\u5165\u3001\u8cc7\u7522\u3001\u5e74\u9f61\u3001\u4fe1\u8cb8\u7d00\u9304\u3001\u7269\u696d\u4f30\u503c\u3001\u6a13\u9f61\u3001\u696d\u6b0a\u72c0\u6cc1\u53ca\u8cb8\u6b3e\u7528\u9014\u4f5c\u500b\u5225\u5be9\u6279\u3002<\/p>\n<h2>2026 \u5e74\u73fe\u5951\u5957\u73fe\u91cd\u9ede\uff1a\u5148\u770b\u7b54\u6848<\/h2>\n<table class=\"border-collapse table-auto w-full\" style=\"min-width: 50px;\">\n<colgroup>\n<col style=\"min-width: 25px;\">\n<col style=\"min-width: 25px;\"><\/colgroup>\n<tbody>\n<tr>\n<th class=\"border border-border bg-surface-sunken px-3 py-2 text-left font-medium\" colspan=\"1\" rowspan=\"1\">\n<p>\u554f\u984c<\/p>\n<\/th>\n<th class=\"border border-border bg-surface-sunken px-3 py-2 text-left font-medium\" colspan=\"1\" rowspan=\"1\">\n<p>2026 \u5e74\u91cd\u9ede\u7b54\u6848<\/p>\n<\/th>\n<\/tr>\n<tr>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u73fe\u5951\u5957\u73fe\u6700\u9ad8\u53ef\u501f\u5e7e\u591a\uff1f<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u4f4f\u5b85\u7269\u696d\u76e3\u7ba1\u6700\u9ad8\u6309\u63ed\u6210\u6578\u4e00\u822c\u70ba\u4f30\u503c\u7684 70%<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u9000\u4f11\u4eba\u58eb\u6c92\u6709\u56fa\u5b9a\u6536\u5165\u662f\u5426\u53ea\u80fd\u501f 5 \u6210\uff1f<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p><strong>\u4e0d\u662f\u3002<\/strong>\u4ee5\u8cc7\u7522\u6de8\u503c\u5be9\u6279\u7684\u76e3\u7ba1 LTV \u4e0a\u9650\u73fe\u6642\u540c\u6a23\u70ba 70%\uff0c\u4f46\u9280\u884c\u53ef\u81ea\u884c\u63a1\u7528\u8f03\u4fdd\u5b88\u6210\u6578<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u540d\u4e0b\u5df2\u6709\u5176\u4ed6\u6309\u63ed\u662f\u5426\u8981\u6263\u4e00\u6210\uff1f<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p><strong>\u4e0d\u7528\u3002<\/strong>\u76f8\u95dc 10 \u500b\u767e\u5206\u9ede\u6263\u6e1b\u8981\u6c42\u5df2\u65bc 2024 \u5e74 10 \u6708\u53d6\u6d88<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>DSR \u4e0a\u9650\u662f\u591a\u5c11\uff1f<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u73fe\u884c\u76e3\u7ba1\u4e0a\u9650\u4e00\u822c\u70ba 50%<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u662f\u5426\u4ecd\u8981\u505a\u300c\u52a0\u606f 2 \u5398\u58d3\u529b\u6e2c\u8a66\u300d\uff1f<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p><strong>\u4e0d\u7528\u3002<\/strong>\u76f8\u95dc\u5f37\u5236\u58d3\u529b\u6e2c\u8a66\u8981\u6c42\u5df2\u81ea 2024 \u5e74 2 \u6708 28 \u65e5\u66ab\u505c<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u51fa\u79df\u7269\u696d\u662f\u5426\u6cd5\u5b9a\u53ea\u53ef\u501f\u8f03\u4f4e\u6210\u6578\uff1f<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u73fe\u884c\u76e3\u7ba1 LTV \u4e0a\u9650\u5df2\u7d71\u4e00\uff1b\u4f46\u9280\u884c\u53ef\u56e0\u51fa\u79df\u3001\u7269\u696d\u8cea\u7d20\u53ca\u98a8\u96aa\u800c\u6279\u8f03\u4f4e\u6210\u6578<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u672a\u88dc\u50f9\u5c45\u5c4b\u53ef\u5426\u5957\u73fe\uff1f<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u4e0d\u80fd\u81ea\u7531\u6309\u63ed\uff0c\u4f46\u7279\u5b9a\u60c5\u6cc1\u4e0b\u53ef\u5411\u623f\u5c4b\u7f72\u7f72\u9577\u7533\u8acb\u6279\u51c6\u91cd\u65b0\u6309\u63ed\uff0f\u52a0\u6309<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u6a13\u5951\u907a\u5931\u662f\u5426\u4e00\u5b9a\u4e0d\u80fd\u7533\u8acb\uff1f<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u4e0d\u4e00\u5b9a\uff0c\u4f46\u4e0d\u80fd\u55ae\u9760\u4e00\u4efd\u6838\u8b49\u526f\u672c\u4fbf\u5047\u8a2d\u554f\u984c\u5df2\u89e3\u6c7a\uff0c\u9808\u7531\u5f8b\u5e2b\u8655\u7406\u696d\u6b0a\u8b49\u660e\u4e26\u8996\u4e4e\u8cb8\u6b3e\u6a5f\u69cb\u63a5\u53d7\u7a0b\u5ea6<\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><strong>2026 \u5e74\u6700\u91cd\u8981\u7684\u8b8a\u5316\u662f\uff1a\u4e0d\u8981\u518d\u6cbf\u7528\u300c\u9000\u4f11\u4eba\u58eb\u6700\u9ad8 5 \u6210\u300d\u3001\u300c\u5df2\u6709\u5176\u4ed6\u6309\u63ed\u8981\u6263\u4e00\u6210\u300d\u6216\u300c\u6240\u6709\u7533\u8acb\u90fd\u8981\u505a\u52a0\u606f 2 \u5398\u58d3\u529b\u6e2c\u8a66\u300d\u7b49\u820a\u8cc7\u6599\u3002<\/strong><\/p>\n<p>\u8cc7\u6599\u4f9d\u64da\u5305\u62ec\u9999\u6e2f\u91d1\u878d\u7ba1\u7406\u5c40\u73fe\u884c\u7269\u696d\u6309\u63ed\u5be9\u614e\u63aa\u65bd\u53ca\u76f8\u95dc FAQ\u3002<\/p>\n<hr>\n<h2>What is a Fully Paid Property?<\/h2>\n<h3>\u73fe\u5951\u6a13\u7684\u5b9a\u7fa9<\/h3>\n<p>\u300c\u73fe\u5951\u6a13\u300d\u662f\u9999\u6e2f\u7269\u696d\u5e02\u5834\u7684\u5e38\u7528\u8aaa\u6cd5\uff0c\u901a\u5e38\u6307\uff1a<\/p>\n<ul>\n<li>\n<p>\u7269\u696d\u539f\u6709\u6309\u63ed\u5df2\u5168\u90e8\u6e05\u9084\uff1b<\/p>\n<\/li>\n<li>\n<p>\u539f\u627f\u6309\u9280\u884c\u5df2\u5b8c\u6210\u89e3\u9664\u6309\u63ed\uff0f\u8d16\u5951\u7a0b\u5e8f\uff1b<\/p>\n<\/li>\n<li>\n<p>\u7269\u696d\u73fe\u6642\u6c92\u6709\u672a\u6e05\u9084\u7684\u4e00\u6309\u6216\u5176\u4ed6\u6309\u63ed\u8cb8\u6b3e\uff1b<\/p>\n<\/li>\n<li>\n<p>\u696d\u4e3b\u53ef\u63d0\u4f9b\u76f8\u95dc\u6a13\u5951\u53ca\u696d\u6b0a\u6587\u4ef6\u3002<\/p>\n<\/li>\n<\/ul>\n<p>\u7c21\u55ae\u800c\u8a00\uff0c<strong>\u73fe\u5951\u6a13\u5c31\u662f\u5df2\u4f9b\u6eff\u3001\u6c92\u6709\u9280\u884c\u6309\u63ed\u7d50\u6b20\u7684\u7269\u696d<\/strong>.<\/p>\n<p>\u5982\u679c\u696d\u4e3b\u5176\u5f8c\u4ee5\u7269\u696d\u91cd\u65b0\u4f5c\u62b5\u62bc\u53d6\u5f97\u8cb8\u6b3e\uff0c\u5c31\u662f\u4e00\u822c\u6240\u8aaa\u7684\u300c\u73fe\u5951\u5957\u73fe\u300d\u3002<\/p>\n<h3>\u73fe\u5951\u8207\u7121\u6309\u63ed\u6709\u4ec0\u9ebc\u5206\u5225\uff1f<\/h3>\n<p>\u65e5\u5e38\u4f7f\u7528\u4e0a\uff0c\u300c\u73fe\u5951\u6a13\u300d\u548c\u300c\u7121\u6309\u63ed\u7269\u696d\u300d\u7d93\u5e38\u4e92\u76f8\u901a\u7528\u3002<\/p>\n<p>\u4f46\u5728\u6cd5\u5f8b\u53ca\u878d\u8cc7\u7a0b\u5e8f\u4e0a\uff0c\u8cb8\u6b3e\u6a5f\u69cb\u771f\u6b63\u95dc\u5fc3\u7684\u662f\uff1a<\/p>\n<ol>\n<li>\n<p>\u571f\u5730\u8a3b\u518a\u7d00\u9304\u662f\u5426\u6e05\u6670\uff1b<\/p>\n<\/li>\n<li>\n<p>\u539f\u6709\u6309\u63ed\u662f\u5426\u5df2\u89e3\u9664\uff1b<\/p>\n<\/li>\n<li>\n<p>\u696d\u6b0a\u6587\u4ef6\u662f\u5426\u5b8c\u6574\uff1b<\/p>\n<\/li>\n<li>\n<p>\u6709\u6c92\u6709\u62bc\u8a18\u3001\u6cd5\u5ead\u547d\u4ee4\u6216\u5176\u4ed6\u696d\u6b0a\u8ca0\u64d4\uff1b<\/p>\n<\/li>\n<li>\n<p>\u5f8b\u5e2b\u662f\u5426\u80fd\u78ba\u8a8d\u696d\u6b0a\u7b26\u5408\u8cb8\u6b3e\u6a5f\u69cb\u8981\u6c42\u3002<\/p>\n<\/li>\n<\/ol>\n<p>\u56e0\u6b64\uff0c\u662f\u5426\u300c\u624b\u6301\u4e00\u758a\u6a13\u5951\u300d\u4e26\u4e0d\u662f\u552f\u4e00\u5224\u65b7\u6a19\u6e96\uff0c<strong>\u6e05\u6670\u53ca\u53ef\u63a5\u53d7\u7684\u696d\u6b0a\u624d\u662f\u80fd\u5426\u6210\u529f\u62b5\u62bc\u7684\u95dc\u9375\u3002<\/strong><\/p>\n<hr>\n<h2>\u4ec0\u9ebc\u662f\u73fe\u5951\u5957\u73fe\uff1f<\/h2>\n<p><strong>\u73fe\u5951\u5957\u73fe\u662f\u696d\u4e3b\u628a\u5df2\u4f9b\u6eff\u7684\u7269\u696d\u91cd\u65b0\u6309\u63ed\uff0c\u5229\u7528\u7269\u696d\u4f5c\u70ba\u62b5\u62bc\u54c1\u5411\u9280\u884c\u6216\u5176\u4ed6\u8cb8\u6b3e\u6a5f\u69cb\u53d6\u5f97\u73fe\u91d1\u3002<\/strong><\/p>\n<p>\u4f8b\u5982\uff1a<\/p>\n<ul>\n<li>\n<p>\u7269\u696d\u4f30\u503c\uff1aHK$800 \u842c<\/p>\n<\/li>\n<li>\n<p>\u6279\u6838\u6309\u63ed\u6210\u6578\uff1a70%<\/p>\n<\/li>\n<li>\n<p>\u7406\u8ad6\u6700\u9ad8\u8cb8\u6b3e\u984d\uff1aHK$800 \u842c \u00d7 70%<\/p>\n<\/li>\n<li>\n<p>\u7406\u8ad6\u6700\u9ad8\u5957\u73fe\u984d\uff1a<strong>HK$560 \u842c<\/strong><\/p>\n<\/li>\n<\/ul>\n<p>\u7531\u65bc\u73fe\u5951\u7269\u696d\u6c92\u6709\u539f\u6709\u6309\u63ed\u9918\u984d\uff0c\u56e0\u6b64\u8a08\u7b97\u65b9\u5f0f\u6bd4\u52a0\u6309\u6216\u8f49\u6309\u76f4\u63a5\u3002<\/p>\n<h3>\u73fe\u5951\u5957\u73fe\u516c\u5f0f<\/h3>\n<p><strong>\u53ef\u5957\u73fe\u91d1\u984d = \u9280\u884c\u8a8d\u53ef\u7269\u696d\u4f30\u503c \u00d7 \u6700\u7d42\u7372\u6279\u6309\u63ed\u6210\u6578<\/strong><\/p>\n<p>\u4f8b\u5982\u9280\u884c\u4f30\u503c\u70ba HK$1,000 \u842c\uff0c\u6700\u7d42\u53ea\u6279 60%\uff1a<\/p>\n<p><strong>HK$1,000 \u842c \u00d7 60% = HK$600 \u842c<\/strong><\/p>\n<p>\u5373\u4f7f\u76e3\u7ba1\u4e0a\u9650\u70ba 70%\uff0c\u9280\u884c\u4ecd\u53ef\u56e0\u98a8\u96aa\u8a55\u4f30\u53ea\u6279 50%\u300160% \u6216\u5176\u4ed6\u8f03\u4f4e\u6210\u6578\u3002<\/p>\n<hr>\n<h2>\u73fe\u5951\u5957\u73fe\u3001\u52a0\u6309\u3001\u8f49\u6309\u5957\u73fe\u8207\u4e8c\u6309\u6709\u4ec0\u9ebc\u5206\u5225\uff1f<\/h2>\n<table class=\"border-collapse table-auto w-full\" style=\"min-width: 100px;\">\n<colgroup>\n<col style=\"min-width: 25px;\">\n<col style=\"min-width: 25px;\">\n<col style=\"min-width: 25px;\">\n<col style=\"min-width: 25px;\"><\/colgroup>\n<tbody>\n<tr>\n<th class=\"border border-border bg-surface-sunken px-3 py-2 text-left font-medium\" colspan=\"1\" rowspan=\"1\">\n<p>\u878d\u8cc7\u65b9\u5f0f<\/p>\n<\/th>\n<th class=\"border border-border bg-surface-sunken px-3 py-2 text-left font-medium\" colspan=\"1\" rowspan=\"1\">\n<p>\u539f\u6709\u6309\u63ed\u72c0\u614b<\/p>\n<\/th>\n<th class=\"border border-border bg-surface-sunken px-3 py-2 text-left font-medium\" colspan=\"1\" rowspan=\"1\">\n<p>\u5957\u73fe\u8a08\u7b97<\/p>\n<\/th>\n<th class=\"border border-border bg-surface-sunken px-3 py-2 text-left font-medium\" colspan=\"1\" rowspan=\"1\">\n<p>\u4e3b\u8981\u7279\u9ede<\/p>\n<\/th>\n<\/tr>\n<tr>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p><strong>Fully Paid Cash-Out<\/strong><\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u5df2\u4f9b\u6eff\uff0c\u6c92\u6709\u6309\u63ed\u7d50\u6b20<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u4f30\u503c \u00d7 \u65b0\u6309\u63ed\u6210\u6578<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u6c92\u6709\u820a\u6309\u63ed\u9700\u8981\u6e05\u9084\uff0c\u53ef\u76f4\u63a5\u5229\u7528\u7269\u696d\u50f9\u503c\u878d\u8cc7<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p><strong>\"Top-up Mortgage,\"<\/strong><\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u5c1a\u6709\u6309\u63ed<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u65b0\u53ef\u8cb8\u984d \u2212 \u539f\u6309\u63ed\u9918\u984d<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u901a\u5e38\u5411\u539f\u9280\u884c\u589e\u52a0\u8cb8\u6b3e<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p><strong>Cash-Out Refinancing (Transfer)<\/strong><\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u5c1a\u6709\u6309\u63ed<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u65b0\u9280\u884c\u8cb8\u6b3e\u984d \u2212 \u820a\u6309\u63ed\u9918\u984d<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u53ef\u540c\u6642\u8f49\u63db\u9280\u884c\u3001\u5229\u7387\u53ca\u8cb8\u6b3e\u689d\u6b3e<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p><strong>Second Mortgage<\/strong><\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u5df2\u6709\u4e00\u6309<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u8996\u5269\u9918\u62b5\u62bc\u50f9\u503c\u53ca\u8cb8\u6b3e\u6a5f\u69cb\u5be9\u6279<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u4fdd\u7559\u7b2c\u4e00\u6309\u63ed\uff0c\u518d\u589e\u52a0\u7b2c\u4e8c\u5c64\u62b5\u62bc<\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>\u5982\u679c\u7269\u696d\u4ecd\u7136\u6709\u6309\u63ed\u7d50\u6b20\uff0c\u56b4\u683c\u4f86\u8aaa\u4e26\u4e0d\u662f\u73fe\u5951\u5957\u73fe\uff0c\u800c\u61c9\u8003\u616e<strong>\u52a0\u6309\u3001\u8f49\u6309\u5957\u73fe\u6216\u4e8c\u6309<\/strong>.<\/p>\n<p>\u7ad9\u5167\u5ef6\u4f38\u95b1\u8b80\u53ef\u52a0\u5165\uff1a<strong>\u300a\u6a13\u5b87\u52a0\u6309\u5168\u653b\u7565 2026\uff1a\u5957\u73fe\u6d41\u7a0b\u3001\u6210\u6578\u8207\u5229\u606f\u300b<\/strong>.<\/p>\n<hr>\n<h1>2026 \u5e74\u73fe\u5951\u5957\u73fe\u6700\u9ad8\u53ef\u4ee5\u505a\u5e7e\u591a\u6210\uff1f<\/h1>\n<h2>\u4e00\u822c\u4f4f\u5b85\u7269\u696d\uff1a\u76e3\u7ba1\u6700\u9ad8 70%<\/h2>\n<p>\u9999\u6e2f\u91d1\u878d\u7ba1\u7406\u5c40\u65bc 2024 \u5e74 10 \u6708 16 \u65e5\u8abf\u6574\u7269\u696d\u6309\u63ed\u5be9\u614e\u63aa\u65bd\u5f8c\uff0c<strong>\u6240\u6709\u4f4f\u5b85\u7269\u696d\u7684\u6700\u9ad8\u6309\u63ed\u6210\u6578\u7d71\u4e00\u70ba 70%<\/strong>\uff0c\u4e0d\u518d\u6309\u7269\u696d\u50f9\u503c\u6216\u81ea\u4f4f\uff0f\u975e\u81ea\u4f4f\u7528\u9014\u8a2d\u5b9a\u4e0d\u540c\u7684\u76e3\u7ba1 LTV \u4e0a\u9650\u3002<\/p>\n<p>\u63db\u8a00\u4e4b\uff0c\u4e00\u500b HK$800 \u842c\u7684\u73fe\u5951\u4f4f\u5b85\uff0c\u4ee5 70% \u8a08\u7b97\u7684\u7406\u8ad6\u6700\u9ad8\u8cb8\u6b3e\u984d\u70ba\uff1a<\/p>\n<p><strong>HK$800 \u842c \u00d7 70% = HK$560 \u842c<\/strong><\/p>\n<p>\u4f46\u5be6\u969b\u6279\u6838\u4ecd\u4ee5\u9280\u884c\u4f30\u503c\u53ca\u4fe1\u8cb8\u5be9\u6279\u7d50\u679c\u70ba\u6e96\u3002<\/p>\n<h2>\u9000\u4f11\u4eba\u58eb\u6c92\u6709\u56fa\u5b9a\u6536\u5165\uff1a\u4e0d\u662f\u56fa\u5b9a\u6700\u9ad8 5 \u6210<\/h2>\n<p>\u9019\u662f\u5f88\u591a\u820a\u6587\u7ae0\u6700\u5bb9\u6613\u51fa\u932f\u7684\u5730\u65b9\u3002<\/p>\n<p>\u9999\u6e2f\u91d1\u878d\u7ba1\u7406\u5c40\u628a\u6309\u63ed\u9084\u6b3e\u80fd\u529b\u8a55\u4f30\u5927\u81f4\u5206\u70ba\uff1a<\/p>\n<ul>\n<li>\n<p><strong>DSR-based lending<\/strong>\uff1a\u4e3b\u8981\u6309\u7a69\u5b9a\u6536\u5165\u53ca\u50b5\u52d9\u6c34\u5e73\u5be9\u6279\uff1b<\/p>\n<\/li>\n<li>\n<p><strong>Net worth-based lending<\/strong>\uff1a\u7533\u8acb\u4eba\u6c92\u6709\u7a69\u5b9a\u6536\u5165\u8b49\u660e\u6642\uff0c\u4ee5\u8cc7\u7522\u6de8\u503c\u8b49\u660e\u9084\u6b3e\u80fd\u529b\u3002<\/p>\n<\/li>\n<\/ul>\n<p>\u81ea 2024 \u5e74 10 \u6708\u7684\u63aa\u65bd\u8abf\u6574\u5f8c\uff0c<strong>\u4ee5\u8cc7\u7522\u6de8\u503c\u5be9\u6279\u7684\u7269\u696d\u6309\u63ed\uff0c\u76e3\u7ba1\u6700\u9ad8 LTV \u540c\u6a23\u53ef\u9054 70%\u3002<\/strong><\/p>\n<p>\u56e0\u6b64\uff0c\u300c\u9000\u4f11\u4eba\u58eb\uff0f\u6c92\u6709\u56fa\u5b9a\u6536\u5165\u4e00\u5b9a\u6700\u9ad8\u53ea\u80fd\u505a 5 \u6210\u300d\u5df2\u4e0d\u662f\u6e96\u78ba\u7684\u901a\u7528\u8aaa\u6cd5\u3002<\/p>\n<p>\u4e0d\u904e\uff0c\u9280\u884c\u4ecd\u53ef\u81ea\u884c\u8a2d\u5b9a\uff1a<\/p>\n<ul>\n<li>\n<p>\u6700\u4f4e\u8cc7\u7522\u8981\u6c42\uff1b<\/p>\n<\/li>\n<li>\n<p>\u8a8d\u53ef\u8cc7\u7522\u6298\u6263\uff1b<\/p>\n<\/li>\n<li>\n<p>\u73fe\u91d1\uff0f\u80a1\u7968\uff0f\u57fa\u91d1\u7684\u8a08\u7b97\u65b9\u6cd5\uff1b<\/p>\n<\/li>\n<li>\n<p>\u5e74\u9f61\u53ca\u6700\u9577\u9084\u6b3e\u671f\uff1b<\/p>\n<\/li>\n<li>\n<p>\u6700\u7d42\u6279\u6838\u6210\u6578\u3002<\/p>\n<\/li>\n<\/ul>\n<p>\u6240\u4ee5\u300c\u76e3\u7ba1\u4e0a\u9650 70%\u300d\u8207\u300c\u9280\u884c\u5be6\u969b\u9858\u610f\u6279 70%\u300d\u662f\u5169\u56de\u4e8b\u3002<\/p>\n<hr>\n<h2>\u540d\u4e0b\u5df2\u6709\u5176\u4ed6\u6309\u63ed\uff0c\u662f\u5426\u4ecd\u8981\u6263\u4e00\u6210\uff1f<\/h2>\n<p><strong>2026 \u5e74\u7b54\u6848\uff1a\u4e0d\u7528\u518d\u56e0\u70ba\u5df2\u6709\u5176\u4ed6\u6309\u63ed\u800c\u81ea\u52d5\u6263\u6e1b 10 \u500b\u767e\u5206\u9ede\u3002<\/strong><\/p>\n<p>\u904e\u5f80\uff0c\u5982\u679c\u7533\u8acb\u4eba\u5df2\u6709\u5176\u4ed6\u672a\u511f\u9084\u6309\u63ed\u6216\u70ba\u5176\u4ed6\u6309\u63ed\u4f5c\u64d4\u4fdd\uff0c\u76f8\u95dc LTV \u53ca DSR \u4e0a\u9650\u53ef\u80fd\u9700\u8981\u518d\u6536\u7dca\u3002<\/p>\n<p>\u9999\u6e2f\u91d1\u878d\u7ba1\u7406\u5c40\u5df2\u65bc <strong>2024 \u5e74 10 \u6708 16 \u65e5\u53d6\u6d88\u9019\u9805\u984d\u5916 10 \u500b\u767e\u5206\u9ede\u6263\u6e1b\u8981\u6c42<\/strong>.<\/p>\n<p>\u56e0\u6b64\uff0c\u820a\u6709\u7684\uff1a<\/p>\n<blockquote>\n<p>\u300c\u539f\u672c\u6700\u9ad8 7 \u6210\uff0c\u6709\u5176\u4ed6\u6309\u63ed\u4fbf\u53ea\u80fd\u505a 6 \u6210\u300d<\/p>\n<\/blockquote>\n<p>\u5df2\u4e0d\u61c9\u518d\u4f5c\u70ba 2026 \u5e74\u4e00\u822c\u898f\u5247\u3002<\/p>\n<p>\u9280\u884c\u4ecd\u6703\u628a\u5176\u4ed6\u6309\u63ed\u4f9b\u6b3e\u53ca\u50b5\u52d9\u8a08\u5165\u6574\u9ad4\u4fe1\u8cb8\u98a8\u96aa\u8a55\u4f30\u3002<\/p>\n<hr>\n<h1>2026 \u5e74\u4f9b\u6b3e\u8207\u5165\u606f\u6bd4\u7387 DSR \u4e0a\u9650\u662f\u591a\u5c11\uff1f<\/h1>\n<h2>\u73fe\u884c DSR \u76e3\u7ba1\u4e0a\u9650\u4e00\u822c\u70ba 50%<\/h2>\n<p>DSR\uff08Debt Servicing Ratio\uff09\u662f\uff1a<\/p>\n<p><strong>\u6bcf\u6708\u50b5\u52d9\u4f9b\u6b3e \u00f7 \u6bcf\u6708\u6536\u5165 \u00d7 100%<\/strong><\/p>\n<p>\u4f8b\u5982\uff1a<\/p>\n<ul>\n<li>\n<p>\u6bcf\u6708\u6536\u5165\uff1aHK$100,000<\/p>\n<\/li>\n<li>\n<p>\u6240\u6709\u6309\u63ed\u53ca\u5176\u4ed6\u76f8\u95dc\u50b5\u52d9\u6708\u4f9b\uff1aHK$45,000<\/p>\n<\/li>\n<\/ul>\n<p>DSR \u70ba\uff1a<\/p>\n<p><strong>HK$45,000 \u00f7 HK$100,000 = 45%<\/strong><\/p>\n<p>\u73fe\u884c\u7269\u696d\u6309\u63ed\u5be9\u614e\u63aa\u65bd\u4e0b\uff0c\u4f4f\u5b85\u53ca\u975e\u4f4f\u5b85\u7269\u696d\u7684 DSR \u76e3\u7ba1\u4e0a\u9650\u5df2\u7d71\u4e00\u70ba <strong>50%<\/strong>.<\/p>\n<p>\u9280\u884c\u4ecd\u53ef\u63a1\u7528\u4f4e\u65bc\u76e3\u7ba1\u4e0a\u9650\u7684\u5167\u90e8\u6a19\u6e96\u3002<\/p>\n<hr>\n<h2>2026 \u5e74\u662f\u5426\u4ecd\u8981\u901a\u904e\u300c\u52a0\u606f 2 \u5398\u58d3\u529b\u6e2c\u8a66\u300d\uff1f<\/h2>\n<p><strong>\u4e0d\u7528\u518d\u6309\u820a\u4f8b\u5f37\u5236\u9032\u884c\u3002<\/strong><\/p>\n<p>\u9999\u6e2f\u91d1\u878d\u7ba1\u7406\u5c40\u5df2\u7531 <strong>2024 \u5e74 2 \u6708 28 \u65e5\u8d77\u66ab\u505c\u7269\u696d\u6309\u63ed\u539f\u6709\u7684\u5229\u7387\u58d3\u529b\u6e2c\u8a66\u8981\u6c42<\/strong>.<\/p>\n<p>\u56e0\u6b64\uff0c\u6587\u7ae0\u82e5\u4ecd\u5beb\uff1a<\/p>\n<blockquote>\n<p>\u300c\u7533\u8acb\u4eba\u5fc5\u9808\u5047\u8a2d\u6309\u63ed\u5229\u7387\u4e0a\u5347 2 \u5398\u5f8c\u4ecd\u901a\u904e\u58d3\u529b\u6e2c\u8a66\u300d<\/p>\n<\/blockquote>\n<p>\u4fbf\u5c6c\u904e\u6642\u8cc7\u6599\u3002<\/p>\n<p>\u9280\u884c\u4ecd\u7136\u5fc5\u9808\u5be9\u614e\u8a55\u4f30\u501f\u6b3e\u4eba\u7684\u9084\u6b3e\u80fd\u529b\uff0c\u53ea\u662f\u4e0d\u518d\u53d7\u539f\u4f86\u7684\u6307\u5b9a\u300c\u52a0\u606f 2 \u5398\u300d\u6e2c\u8a66\u6846\u67b6\u9650\u5236\u3002<\/p>\n<hr>\n<h1>\u5f71\u97ff\u73fe\u5951\u5957\u73fe\u5be6\u969b\u6279\u6838\u984d\u7684 6 \u5927\u56e0\u7d20<\/h1>\n<p>\u5373\u4f7f\u76e3\u7ba1\u6700\u9ad8\u6210\u6578\u70ba 70%\uff0c\u5be6\u969b\u8cb8\u6b3e\u984d\u4ecd\u7531\u4ee5\u4e0b\u56e0\u7d20\u5171\u540c\u6c7a\u5b9a\u3002<\/p>\n<h2>1. \u9280\u884c\u6b63\u5f0f\u4f30\u503c<\/h2>\n<p>\u5957\u73fe\u984d\u4e0d\u662f\u6309\u696d\u4e3b\u5fc3\u76ee\u4e2d\u7684\u5e02\u50f9\u8a08\u7b97\uff0c\u800c\u662f\u6309\u7167<strong>\u8cb8\u6b3e\u6a5f\u69cb\u8a8d\u53ef\u7684\u7269\u696d\u4f30\u503c<\/strong>.<\/p>\n<p>\u4f8b\u5982\uff1a<\/p>\n<p>\u696d\u4e3b\u8a8d\u70ba\u55ae\u4f4d\u503c HK$1,000 \u842c\uff0c\u4f46\u9280\u884c\u4f30\u503c\u53ea\u6709 HK$900 \u842c\uff0c\u5373\u4f7f\u6279\u8db3 70%\uff0c\u7406\u8ad6\u8cb8\u6b3e\u4e0a\u9650\u4ea6\u53ea\u6709\uff1a<\/p>\n<p><strong>HK$900 \u842c \u00d7 70% = HK$630 \u842c<\/strong><\/p>\n<p>\u800c\u4e0d\u662f HK$700 \u842c\u3002<\/p>\n<h2>2. \u5165\u606f\u53ca DSR<\/h2>\n<p>\u6709\u7a69\u5b9a\u85aa\u91d1\u3001\u7a05\u55ae\u53ca\u9280\u884c\u5165\u606f\u7d00\u9304\u7684\u4eba\u58eb\uff0c\u9280\u884c\u4e00\u822c\u8f03\u5bb9\u6613\u8a08\u7b97\u5176\u4f9b\u6b3e\u80fd\u529b\u3002<\/p>\n<p>\u5982\u501f\u6b3e\u984d\u592a\u9ad8\u4ee4 DSR \u8d85\u904e\u9280\u884c\u53ef\u63a5\u53d7\u6c34\u5e73\uff0c\u9280\u884c\u53ef\u4ee5\uff1a<\/p>\n<ul>\n<li>\n<p>\u8abf\u4f4e\u8cb8\u6b3e\u984d\uff1b<\/p>\n<\/li>\n<li>\n<p>\u7e2e\u77ed\u6216\u8abf\u6574\u8cb8\u6b3e\u5e74\u671f\uff1b<\/p>\n<\/li>\n<li>\n<p>\u8981\u6c42\u589e\u52a0\u501f\u6b3e\u4eba\u6216\u64d4\u4fdd\u4eba\uff1b<\/p>\n<\/li>\n<li>\n<p>\u62d2\u7d55\u7533\u8acb\u3002<\/p>\n<\/li>\n<\/ul>\n<h2>3. \u9000\u4f11\u4eba\u58eb\u7684\u8cc7\u7522\u6de8\u503c<\/h2>\n<p>\u6c92\u6709\u56fa\u5b9a\u6708\u85aa\u4e26\u4e0d\u7b49\u65bc\u4e0d\u80fd\u7533\u8acb\u3002<\/p>\n<p>\u9280\u884c\u53ef\u80fd\u8981\u6c42\u63d0\u4f9b\uff1a<\/p>\n<ul>\n<li>\n<p>\u9280\u884c\u5b58\u6b3e\uff1b<\/p>\n<\/li>\n<li>\n<p>\u5b9a\u671f\u5b58\u6b3e\uff1b<\/p>\n<\/li>\n<li>\n<p>\u80a1\u7968\uff1b<\/p>\n<\/li>\n<li>\n<p>\u50b5\u5238\uff1b<\/p>\n<\/li>\n<li>\n<p>\u57fa\u91d1\uff1b<\/p>\n<\/li>\n<li>\n<p>\u5176\u4ed6\u7269\u696d\uff1b<\/p>\n<\/li>\n<li>\n<p>\u5176\u4ed6\u53ef\u9a57\u8b49\u8cc7\u7522\u3002<\/p>\n<\/li>\n<\/ul>\n<p>\u4e0d\u540c\u8cc7\u7522\u7684\u8a8d\u53ef\u6bd4\u4f8b\u53ca\u6298\u6263\u7531\u8cb8\u6b3e\u6a5f\u69cb\u81ea\u884c\u6c7a\u5b9a\u3002<\/p>\n<h2>4. \u7533\u8acb\u4eba\u5e74\u9f61\u53ca\u9084\u6b3e\u5e74\u671f<\/h2>\n<p>\u5e02\u5834\u4e0a\u4e0d\u540c\u9280\u884c\u5747\u6709\u81ea\u5df1\u7684\u300c\u501f\u6b3e\u4eba\u5e74\u9f61\uff0b\u8cb8\u6b3e\u5e74\u671f\u300d\u5167\u90e8\u9650\u5236\u3002<\/p>\n<p>\u56e0\u6b64\uff0c<strong>\u300c80 \u6e1b\u5e74\u9f61\u300d\u6216\u300c75 \u6e1b\u5e74\u9f61\u300d\u4e0d\u80fd\u7576\u4f5c\u6240\u6709\u9999\u6e2f\u9280\u884c\u5171\u540c\u63a1\u7528\u7684\u6cd5\u5b9a\u516c\u5f0f\u3002<\/strong><\/p>\n<p>\u4f8b\u5982\u5e74\u7d00\u8f03\u5927\u7684\u7533\u8acb\u4eba\uff0c\u9280\u884c\u53ef\u80fd\u6279\u51fa\u8f03\u77ed\u9084\u6b3e\u671f\uff0c\u4ee4\u6bcf\u6708\u4f9b\u6b3e\u589e\u52a0\uff0c\u7e7c\u800c\u5f71\u97ff DSR \u53ca\u6700\u7d42\u53ef\u501f\u91d1\u984d\u3002<\/p>\n<h2>5. \u6a13\u9f61\u53ca\u7269\u696d\u985e\u578b<\/h2>\n<p>\u9280\u884c\u4ea6\u6703\u8003\u616e\uff1a<\/p>\n<ul>\n<li>\n<p>Property Age<\/p>\n<\/li>\n<li>\n<p>\u6210\u4ea4\u91cf\uff1b<\/p>\n<\/li>\n<li>\n<p>\u5c4b\u82d1\u898f\u6a21\uff1b<\/p>\n<\/li>\n<li>\n<p>\u7269\u696d\u6d41\u901a\u6027\uff1b<\/p>\n<\/li>\n<li>\n<p>\u6751\u5c4b\u6216\u5510\u6a13\uff1b<\/p>\n<\/li>\n<li>\n<p>\u55ae\u5e62\u6a13\uff1b<\/p>\n<\/li>\n<li>\n<p>\u5de5\u5546\u8216\uff1b<\/p>\n<\/li>\n<li>\n<p>\u8eca\u4f4d\uff1b<\/p>\n<\/li>\n<li>\n<p>\u51fa\u79df\u72c0\u6cc1\u3002<\/p>\n<\/li>\n<\/ul>\n<p>\u6a13\u9f61\u8207\u6700\u9577\u6309\u63ed\u5e74\u671f\u540c\u6a23\u4e3b\u8981\u6309\u4e0d\u540c\u9280\u884c\u7684\u5167\u90e8\u6e96\u5247\u8655\u7406\uff0c\u4e0d\u80fd\u628a\u55ae\u4e00\u516c\u5f0f\u8996\u70ba\u5168\u5e02\u5834\u898f\u5247\u3002<\/p>\n<h2>6. \u696d\u6b0a\u53ca\u7269\u696d\u72c0\u6cc1<\/h2>\n<p>\u53ef\u80fd\u5f71\u97ff\u5957\u73fe\u5be9\u6279\u7684\u554f\u984c\u5305\u62ec\uff1a<\/p>\n<ul>\n<li>\n<p>\u6a13\u5951\u6587\u4ef6\u4e0d\u5b8c\u6574\uff1b<\/p>\n<\/li>\n<li>\n<p>\u672a\u89e3\u9664\u820a\u6309\u63ed\uff1b<\/p>\n<\/li>\n<li>\n<p>\u8a3b\u518a\u62bc\u8a18\uff1b<\/p>\n<\/li>\n<li>\n<p>\u6cd5\u5ead\u547d\u4ee4\uff1b<\/p>\n<\/li>\n<li>\n<p>\u5efa\u7bc9\u547d\u4ee4\uff1b<\/p>\n<\/li>\n<li>\n<p>\u50ed\u5efa\u554f\u984c\uff1b<\/p>\n<\/li>\n<li>\n<p>\u696d\u6b0a\u722d\u8b70\uff1b<\/p>\n<\/li>\n<li>\n<p>\u907a\u7522\u5c1a\u672a\u5b8c\u6210\u627f\u8fa6\uff1b<\/p>\n<\/li>\n<li>\n<p>\u806f\u540d\u696d\u4e3b\u672a\u540c\u610f\u3002<\/p>\n<\/li>\n<\/ul>\n<p>\u8cb8\u6b3e\u6a5f\u69cb\u6216\u5f8b\u5e2b\u8a8d\u70ba\u696d\u6b0a\u5b58\u5728\u91cd\u5927\u98a8\u96aa\u6642\uff0c\u5373\u4f7f\u7269\u696d\u5e02\u503c\u5f88\u9ad8\uff0c\u4e5f\u53ef\u80fd\u62d2\u7d55\u63a5\u53d7\u62b5\u62bc\u3002<\/p>\n<hr>\n<h1>\u5982\u4f55\u63d0\u9ad8\u73fe\u5951\u5957\u73fe\u6210\u529f\u7387\u53ca\u53ef\u6279\u91d1\u984d\uff1f<\/h1>\n<h2>\u65b9\u6cd5\u4e00\uff1a\u52a0\u5165\u5408\u9069\u7684\u5171\u540c\u501f\u6b3e\u4eba\u6216\u64d4\u4fdd\u4eba<\/h2>\n<p>\u5982\u679c\u696d\u4e3b\u5e74\u7d00\u8f03\u5927\u6216\u6536\u5165\u4e0d\u8db3\uff0c\u53ef\u7814\u7a76\u52a0\u5165\u5177\u7a69\u5b9a\u6536\u5165\u53ca\u826f\u597d\u4fe1\u8cb8\u7d00\u9304\u7684\u5bb6\u5ead\u6210\u54e1\u3002<\/p>\n<p>\u9019\u53ef\u80fd\u6709\u52a9\uff1a<\/p>\n<ul>\n<li>\n<p>\u6539\u5584\u6574\u9ad4\u4f9b\u6b3e\u80fd\u529b\uff1b<\/p>\n<\/li>\n<li>\n<p>\u964d\u4f4e DSR\uff1b<\/p>\n<\/li>\n<li>\n<p>\u722d\u53d6\u8f03\u9577\u9084\u6b3e\u5e74\u671f\uff1b<\/p>\n<\/li>\n<li>\n<p>\u63d0\u9ad8\u6700\u7d42\u7372\u6279\u8cb8\u6b3e\u984d\u3002<\/p>\n<\/li>\n<\/ul>\n<p>\u4f46\u52a0\u5165\u64d4\u4fdd\u4eba\u4e26<strong>\u4e0d\u4ee3\u8868\u6309\u63ed\u6210\u6578\u53ef\u81ea\u52d5\u7a81\u7834\u76e3\u7ba1\u4e0a\u9650<\/strong>.<\/p>\n<h2>\u65b9\u6cd5\u4e8c\uff1a\u6e96\u5099\u5b8c\u6574\u8cc7\u7522\u8b49\u660e<\/h2>\n<p>\u6c92\u6709\u56fa\u5b9a\u6536\u5165\u7684\u4eba\u58eb\uff0c\u61c9\u6e96\u5099\u6e05\u6670\u7684\u8cc7\u7522\u8b49\u660e\uff0c\u800c\u4e0d\u662f\u53ea\u63d0\u4f9b\u9280\u884c\u6236\u53e3\u7d50\u9918\u622a\u5716\u3002<\/p>\n<p>\u9280\u884c\u53ef\u80fd\u8981\u6c42\u6838\u5be6\uff1a<\/p>\n<ul>\n<li>\n<p>\u8cc7\u7522\u6301\u6709\u4eba\u59d3\u540d\uff1b<\/p>\n<\/li>\n<li>\n<p>\u6700\u65b0\u5e02\u503c\uff1b<\/p>\n<\/li>\n<li>\n<p>\u6301\u6709\u6642\u9593\uff1b<\/p>\n<\/li>\n<li>\n<p>\u662f\u5426\u5df2\u4f5c\u5176\u4ed6\u62b5\u62bc\uff1b<\/p>\n<\/li>\n<li>\n<p>\u8ca0\u50b5\u60c5\u6cc1\u3002<\/p>\n<\/li>\n<\/ul>\n<p>\u8cc7\u6599\u8d8a\u5b8c\u6574\uff0c\u9280\u884c\u8d8a\u5bb9\u6613\u9032\u884c net worth-based assessment\u3002<\/p>\n<h2>\u65b9\u6cd5\u4e09\uff1a\u5148\u8655\u7406\u696d\u6b0a\u554f\u984c<\/h2>\n<p>\u5982\u7269\u696d\u6709\uff1a<\/p>\n<ul>\n<li>\n<p>\u820a\u6309\u63ed\u672a\u89e3\u9664\uff1b<\/p>\n<\/li>\n<li>\n<p>\u907a\u7522\u627f\u8fa6\u554f\u984c\uff1b<\/p>\n<\/li>\n<li>\n<p>\u806f\u540d\u696d\u6b0a\u722d\u8b70\uff1b<\/p>\n<\/li>\n<li>\n<p>\u6a13\u5951\u907a\u5931\uff1b<\/p>\n<\/li>\n<li>\n<p>\u8a3b\u518a\u547d\u4ee4\uff1b<\/p>\n<\/li>\n<\/ul>\n<p>\u61c9\u5148\u8b93\u5f8b\u5e2b\u78ba\u8a8d\u8655\u7406\u65b9\u6848\u3002<\/p>\n<h2>\u65b9\u6cd5\u56db\uff1a\u5148\u6bd4\u8f03\u591a\u9593\u9280\u884c\u4f30\u50f9<\/h2>\n<p>\u540c\u4e00\u7269\u696d\u5728\u4e0d\u540c\u9280\u884c\u7684\u4f30\u50f9\u672a\u5fc5\u5b8c\u5168\u76f8\u540c\u3002<\/p>\n<p>\u4f8b\u5982\uff1a<\/p>\n<ul>\n<li>\n<p>\u9280\u884c A\uff1aHK$850 \u842c<\/p>\n<\/li>\n<li>\n<p>\u9280\u884c B\uff1aHK$900 \u842c<\/p>\n<\/li>\n<li>\n<p>\u9280\u884c C\uff1aHK$930 \u842c<\/p>\n<\/li>\n<\/ul>\n<p>\u4ee5 70% \u8a08\u7b97\uff0cHK$80 \u842c\u7684\u4f30\u503c\u5dee\u8ddd\u53ef\u4ee4\u7406\u8ad6\u8cb8\u6b3e\u984d\u76f8\u5dee\uff1a<\/p>\n<p><strong>HK$80 \u842c \u00d7 70% = HK$56 \u842c<\/strong><\/p>\n<p>\u56e0\u6b64\uff0c\u4f30\u50f9\u672c\u8eab\u5df2\u53ef\u80fd\u5927\u5e45\u5f71\u97ff\u6700\u7d42\u5957\u73fe\u984d\u3002<\/p>\n<hr>\n<h1>\u73fe\u5951\u5957\u73fe\u9700\u8981\u6e96\u5099\u4ec0\u9ebc\u6587\u4ef6\uff1f<\/h1>\n<h2>\u4e00\u822c\u7533\u8acb\u4eba<\/h2>\n<p>\u5e38\u898b\u6587\u4ef6\u5305\u62ec\uff1a<\/p>\n<ul>\n<li>\n<p>\u9999\u6e2f\u8eab\u4efd\u8b49\uff1b<\/p>\n<\/li>\n<li>\n<p>\u6700\u8fd1\u4f4f\u5740\u8b49\u660e\uff1b<\/p>\n<\/li>\n<li>\n<p>\u7269\u696d\u8cc7\u6599\uff1b<\/p>\n<\/li>\n<li>\n<p>\u6a13\u5951\u53ca\u76f8\u95dc\u696d\u6b0a\u6587\u4ef6\uff1b<\/p>\n<\/li>\n<li>\n<p>\u9280\u884c\u6236\u53e3\u7d00\u9304\uff1b<\/p>\n<\/li>\n<li>\n<p>\u8ca0\u50b5\u8cc7\u6599\u3002<\/p>\n<\/li>\n<\/ul>\n<h2>\u53d7\u85aa\u4eba\u58eb<\/h2>\n<p>\u901a\u5e38\u53e6\u9700\uff1a<\/p>\n<ul>\n<li>\n<p>\u6700\u8fd1\u6578\u6708\u7ce7\u55ae\uff1b<\/p>\n<\/li>\n<li>\n<p>\u9280\u884c\u51fa\u7ce7\u7d00\u9304\uff1b<\/p>\n<\/li>\n<li>\n<p>\u6700\u65b0\u7a05\u55ae\uff1b<\/p>\n<\/li>\n<li>\n<p>\u50f1\u50ad\u8b49\u660e\uff0c\u8996\u4e4e\u9280\u884c\u8981\u6c42\u3002<\/p>\n<\/li>\n<\/ul>\n<h2>\u81ea\u50f1\u4eba\u58eb<\/h2>\n<p>\u53ef\u80fd\u9700\u8981\uff1a<\/p>\n<ul>\n<li>\n<p>\u5546\u696d\u767b\u8a18\u8b49\uff1b<\/p>\n<\/li>\n<li>\n<p>\u516c\u53f8\u9280\u884c\u6708\u7d50\u55ae\uff1b<\/p>\n<\/li>\n<li>\n<p>\u6838\u6578\u5831\u544a\uff1b<\/p>\n<\/li>\n<li>\n<p>\u8ca1\u52d9\u5831\u8868\uff1b<\/p>\n<\/li>\n<li>\n<p>\u7a05\u52d9\u6587\u4ef6\u3002<\/p>\n<\/li>\n<\/ul>\n<h2>\u9000\u4f11\u6216\u6c92\u6709\u56fa\u5b9a\u6536\u5165\u4eba\u58eb<\/h2>\n<p>\u53ef\u6e96\u5099\uff1a<\/p>\n<ul>\n<li>\n<p>\u9280\u884c\u5b58\u6b3e\u8b49\u660e\uff1b<\/p>\n<\/li>\n<li>\n<p>\u5b9a\u671f\u5b58\u6b3e\uff1b<\/p>\n<\/li>\n<li>\n<p>\u80a1\u7968\u53ca\u57fa\u91d1\u6708\u7d50\u55ae\uff1b<\/p>\n<\/li>\n<li>\n<p>\u50b5\u5238\u8cc7\u6599\uff1b<\/p>\n<\/li>\n<li>\n<p>\u5176\u4ed6\u7269\u696d\u6216\u8cc7\u7522\u8b49\u660e\u3002<\/p>\n<\/li>\n<\/ul>\n<h2>\u51fa\u79df\u7269\u696d<\/h2>\n<p>\u901a\u5e38\u53e6\u9700\uff1a<\/p>\n<ul>\n<li>\n<p>\u79df\u7d04\uff1b<\/p>\n<\/li>\n<li>\n<p>\u5370\u82b1\u7d00\u9304\uff1b<\/p>\n<\/li>\n<li>\n<p>\u79df\u91d1\u5165\u5e33\u7d00\u9304\uff1b<\/p>\n<\/li>\n<li>\n<p>\u79df\u6236\u53ca\u79df\u671f\u8cc7\u6599\u3002<\/p>\n<\/li>\n<\/ul>\n<p>\u9280\u884c\u662f\u5426\u628a\u5168\u90e8\u79df\u91d1\u8a08\u4f5c\u8a8d\u53ef\u6536\u5165\uff0c\u5247\u8996\u4e4e\u500b\u5225\u9280\u884c\u653f\u7b56\u3002<\/p>\n<hr>\n<h1>\u73fe\u5951\u5957\u73fe\u6d41\u7a0b\u662f\u600e\u6a23\u7684\uff1f<\/h1>\n<h2>\u7b2c 1 \u6b65\uff1a\u7269\u696d\u521d\u6b65\u4f30\u50f9<\/h2>\n<p>\u63d0\u4f9b\u7269\u696d\u5730\u5740\u53ca\u57fa\u672c\u8cc7\u6599\uff0c\u7531\u9280\u884c\u6216\u8cb8\u6b3e\u6a5f\u69cb\u9032\u884c\u521d\u6b65\u4f30\u50f9\u3002<\/p>\n<p>\u9019\u4e00\u6b65\u53ef\u5148\u4f30\u7b97\uff1a<\/p>\n<p><strong>\u7269\u696d\u4f30\u503c \u00d7 \u9810\u8a08\u6309\u63ed\u6210\u6578 = \u521d\u6b65\u53ef\u501f\u91d1\u984d<\/strong><\/p>\n<h2>\u7b2c 2 \u6b65\uff1a\u8ca1\u52d9\u9810\u5be9<\/h2>\n<p>\u8cb8\u6b3e\u6a5f\u69cb\u6703\u8a55\u4f30\uff1a<\/p>\n<ul>\n<li>\n<p>\u5165\u606f\uff1b<\/p>\n<\/li>\n<li>\n<p>\u8cc7\u7522\uff1b<\/p>\n<\/li>\n<li>\n<p>\u8ca0\u50b5\uff1b<\/p>\n<\/li>\n<li>\n<p>Credit Record<\/p>\n<\/li>\n<li>\n<p>\u7533\u8acb\u4eba\u5e74\u9f61\uff1b<\/p>\n<\/li>\n<li>\n<p>\u6240\u9700\u8cb8\u6b3e\u984d\u53ca\u5e74\u671f\u3002<\/p>\n<\/li>\n<\/ul>\n<h2>\u7b2c 3 \u6b65\uff1a\u6b63\u5f0f\u7533\u8acb\u53ca\u4fe1\u8cb8\u5be9\u6279<\/h2>\n<p>\u7533\u8acb\u4eba\u905e\u4ea4\u5b8c\u6574\u6587\u4ef6\u5f8c\uff0c\u9280\u884c\u6703\u9032\u884c\u6b63\u5f0f\u4fe1\u8cb8\u5be9\u6279\u3002<\/p>\n<p>\u5728\u9700\u8981\u6642\u4ea6\u53ef\u80fd\u5b89\u6392\u66f4\u8a73\u7d30\u4f30\u50f9\u6216\u7269\u696d\u8996\u5bdf\u3002<\/p>\n<h2>\u7b2c 4 \u6b65\uff1a\u5f8b\u5e2b\u67e5\u5951<\/h2>\n<p>\u8cb8\u6b3e\u7372\u539f\u5247\u6279\u51c6\u5f8c\uff0c\u5f8b\u5e2b\u6703\u6aa2\u67e5\uff1a<\/p>\n<ul>\n<li>\n<p>\u571f\u5730\u8a3b\u518a\u7d00\u9304\uff1b<\/p>\n<\/li>\n<li>\n<p>\u6a13\u5951\uff1b<\/p>\n<\/li>\n<li>\n<p>\u696d\u6b0a\u93c8\uff1b<\/p>\n<\/li>\n<li>\n<p>\u6709\u6c92\u6709\u672a\u89e3\u9664\u62bc\u8a18\uff1b<\/p>\n<\/li>\n<li>\n<p>\u662f\u5426\u5b58\u5728\u5f71\u97ff\u62b5\u62bc\u7684\u8a3b\u518a\u6587\u4ef6\u3002<\/p>\n<\/li>\n<\/ul>\n<p>\u9999\u6e2f\u73fe\u6642\u4ecd\u63a1\u7528<strong>\u5951\u7d04\u8a3b\u518a\u5236\u5ea6\uff08deeds registration system\uff09<\/strong>\uff0c\u56e0\u6b64\u67e5\u6838\u696d\u6b0a\u6587\u4ef6\u662f\u91cd\u8981\u6cd5\u5f8b\u7a0b\u5e8f\u3002<\/p>\n<h2>\u7b2c 5 \u6b65\uff1a\u7c3d\u7f72\u8cb8\u6b3e\u53ca\u6309\u63ed\u6587\u4ef6<\/h2>\n<p>\u78ba\u8a8d\u8cb8\u6b3e\u689d\u6b3e\u5f8c\uff0c\u7533\u8acb\u4eba\u6309\u8981\u6c42\u7c3d\u7f72\uff1a<\/p>\n<ul>\n<li>\n<p>\u8cb8\u6b3e\u6587\u4ef6\uff1b<\/p>\n<\/li>\n<li>\n<p>\u6309\u63ed\u5951\uff1b<\/p>\n<\/li>\n<li>\n<p>\u76f8\u95dc\u6cd5\u5f8b\u6587\u4ef6\u3002<\/p>\n<\/li>\n<\/ul>\n<p>\u7269\u696d\u7684\u696d\u6b0a\u6587\u4ef6\u4e00\u822c\u6703\u6309\u8cb8\u6b3e\u6a5f\u69cb\u53ca\u5f8b\u5e2b\u5b89\u6392\u8655\u7406\u3002<\/p>\n<h2>\u7b2c 6 \u6b65\uff1a\u8a3b\u518a\u6309\u63ed\u53ca\u653e\u6b3e<\/h2>\n<p>\u5f8b\u5e2b\u6703\u5b89\u6392\u628a\u76f8\u95dc\u6309\u63ed\u6587\u4ef6\u9001\u4ea4\u9999\u6e2f\u571f\u5730\u8a3b\u518a\u8655\u8fa6\u7406\u8a3b\u518a\u3002<\/p>\n<p>\u5b8c\u6210\u8cb8\u6b3e\u6a5f\u69cb\u8981\u6c42\u7684\u653e\u6b3e\u689d\u4ef6\u5f8c\uff0c\u8cb8\u6b3e\u6b3e\u9805\u6703\u6309\u5b89\u6392\u767c\u653e\u3002<\/p>\n<hr>\n<h1>\u73fe\u5951\u5957\u73fe\u8981\u5e7e\u8010\uff1f<\/h1>\n<p>\u6c92\u6709\u4e00\u500b\u9069\u7528\u65bc\u6240\u6709\u8cb8\u6b3e\u6a5f\u69cb\u7684\u56fa\u5b9a\u6642\u9593\u3002<\/p>\n<p><strong>\u9280\u884c\u73fe\u5951\u5957\u73fe\u5be6\u52d9\u4e0a\u901a\u5e38\u9700\u8981\u6578\u661f\u671f\uff0c\u800c\u4e0d\u662f\u56fa\u5b9a\u300c3 \u661f\u671f\u300d\u6216\u300c4 \u661f\u671f\u300d\u3002<\/strong><\/p>\n<p>\u5be6\u969b\u901f\u5ea6\u53d6\u6c7a\u65bc\uff1a<\/p>\n<ul>\n<li>\n<p>\u6587\u4ef6\u662f\u5426\u9f4a\u5168\uff1b<\/p>\n<\/li>\n<li>\n<p>\u4fe1\u8cb8\u5be9\u6279\uff1b<\/p>\n<\/li>\n<li>\n<p>\u7269\u696d\u4f30\u50f9\uff1b<\/p>\n<\/li>\n<li>\n<p>\u6a13\u5951\u5b8c\u6574\u6027\uff1b<\/p>\n<\/li>\n<li>\n<p>\u5f8b\u5e2b\u67e5\u5951\uff1b<\/p>\n<\/li>\n<li>\n<p>\u662f\u5426\u6d89\u53ca\u806f\u540d\u3001\u907a\u7522\u6216\u7279\u6b8a\u696d\u6b0a\uff1b<\/p>\n<\/li>\n<li>\n<p>\u8cb8\u6b3e\u6a5f\u69cb\u5167\u90e8\u7a0b\u5e8f\u3002<\/p>\n<\/li>\n<\/ul>\n<p>\u9999\u6e2f\u571f\u5730\u8a3b\u518a\u8655\u76ee\u524d\u5c0d\u4e00\u822c\u571f\u5730\u6587\u4ef6\u8a3b\u518a\u8a2d\u6709\u670d\u52d9\u8868\u73fe\u6307\u6a19\uff0c\u4f46<strong>\u571f\u5730\u8a3b\u518a\u8655\u7684\u8655\u7406\u6642\u9593\u4e26\u4e0d\u7b49\u540c\u6574\u5b97\u8cb8\u6b3e\u7531\u7533\u8acb\u81f3\u653e\u6b3e\u7684\u6642\u9593<\/strong>.<\/p>\n<p>\u90e8\u5206\u6301\u724c\u653e\u50b5\u4eba\u6216\u975e\u9280\u884c\u8cb8\u6b3e\u6a5f\u69cb\u7684\u4fe1\u8cb8\u5be9\u6279\u53ef\u80fd\u8f03\u5feb\uff0c\u4f46\u4ecd\u9808\u8996\u4e4e\u62b5\u62bc\u3001\u6cd5\u5f8b\u6587\u4ef6\u53ca\u500b\u6848\u60c5\u6cc1\uff0c\u4e0d\u80fd\u628a\u300c24 \u5c0f\u6642\u300d\u6216\u300c48 \u5c0f\u6642\u300d\u8996\u70ba\u6240\u6709\u73fe\u5951\u5957\u73fe\u500b\u6848\u90fd\u53ef\u4ee5\u9054\u5230\u7684\u6a19\u6e96\u3002<\/p>\n<hr>\n<h1>2026 \u5e74\u73fe\u5951\u5957\u73fe\u6709\u54ea\u4e9b\u8cbb\u7528\uff1f<\/h1>\n<h2>1. \u5f8b\u5e2b\u8cbb<\/h2>\n<p>\u73fe\u5951\u91cd\u65b0\u62b5\u62bc\u4e00\u822c\u9700\u8981\u5f8b\u5e2b\u8655\u7406\uff1a<\/p>\n<ul>\n<li>\n<p>\u67e5\u5951\uff1b<\/p>\n<\/li>\n<li>\n<p>\u6309\u63ed\u6587\u4ef6\uff1b<\/p>\n<\/li>\n<li>\n<p>\u571f\u5730\u8a3b\u518a\uff1b<\/p>\n<\/li>\n<li>\n<p>\u8207\u8cb8\u6b3e\u6a5f\u69cb\u4ea4\u6536\u3002<\/p>\n<\/li>\n<\/ul>\n<p>\u5f8b\u5e2b\u8cbb\u6c92\u6709\u55ae\u4e00\u6cd5\u5b9a\u50f9\u683c\uff0c\u6309\u7269\u696d\u3001\u8cb8\u6b3e\u984d\u53ca\u696d\u6b0a\u8907\u96dc\u7a0b\u5ea6\u800c\u4e0d\u540c\u3002<\/p>\n<h2>2. \u4f30\u50f9\u8cbb<\/h2>\n<p>\u4e0d\u540c\u9280\u884c\u653f\u7b56\u4e0d\u540c\u3002<\/p>\n<p>\u90e8\u5206\u9280\u884c\u6703\u627f\u64d4\u4e00\u822c\u4f30\u50f9\u8cbb\uff1b\u7279\u6b8a\u7269\u696d\u3001\u8a73\u7d30\u4f30\u50f9\u6216\u73fe\u5834\u8996\u5bdf\u5247\u53ef\u80fd\u7522\u751f\u984d\u5916\u8cbb\u7528\u3002<\/p>\n<p>\u56e0\u6b64\u4e0d\u61c9\u5047\u8a2d\u6240\u6709\u73fe\u5951\u5957\u73fe\u5747\u300c\u514d\u8cbb\u4f30\u50f9\u300d\u3002<\/p>\n<h2>3. \u571f\u5730\u8a3b\u518a\u8655\u8cbb\u7528<\/h2>\n<p>\u9999\u6e2f\u571f\u5730\u8a3b\u518a\u8655\u5df2\u7531 <strong>2026 \u5e74 7 \u6708 1 \u65e5<\/strong>\u5be6\u65bd\u7b2c\u4e8c\u968e\u6bb5\u8abf\u6574\u5f8c\u7684\u6cd5\u5b9a\u8a3b\u518a\u8cbb\u3002<\/p>\n<p>\u4ee5\u4e00\u822c\u6d89\u53ca\u7269\u696d\u6309\u63ed\u3001\u62bc\u8a18\u7b49\u6587\u66f8\u800c\u8a00\uff0c\u73fe\u884c\u8a3b\u518a\u8cbb\u8996\u4e4e\u6587\u4ef6\u53ca\u7269\u696d\uff0f\u4ee3\u50f9\u50f9\u503c\u800c\u5b9a\uff1a<\/p>\n<ul>\n<li>\n<p>\u4e0d\u8d85\u904e HK$750,000\uff1a<strong>HK$305<\/strong><\/p>\n<\/li>\n<li>\n<p>\u8d85\u904e HK$750,000\uff1a<strong>HK$605<\/strong><\/p>\n<\/li>\n<li>\n<p>\u6309\u63ed\u5354\u8b70\u7684\u8a3b\u518a\u8cbb\uff1a<strong>HK$375<\/strong><\/p>\n<\/li>\n<\/ul>\n<p>\u5be6\u969b\u61c9\u7e73\u54ea\u4e00\u9805\u8cbb\u7528\u7531\u5f8b\u5e2b\u6309\u9700\u8981\u8a3b\u518a\u7684\u6587\u4ef6\u7a2e\u985e\u78ba\u5b9a\u3002<\/p>\n<p>\u8cc7\u6599\u4f86\u6e90\uff1a\u9999\u6e2f\u571f\u5730\u8a3b\u518a\u8655\u300a\u571f\u5730\u8a3b\u518a\u8cbb\u7528\u898f\u4f8b\u300b2026 \u5e74 7 \u6708 1 \u65e5\u751f\u6548\u6536\u8cbb\u3002<\/p>\n<h2>4. \u4fdd\u96aa\u8cbb<\/h2>\n<p>\u9280\u884c\u53ef\u80fd\u6309\u5176\u62b5\u62bc\u689d\u4ef6\u8981\u6c42\u7269\u696d\u7dad\u6301\u9069\u7576\u4fdd\u96aa\uff0c\u4f8b\u5982\u706b\u96aa\u3002<\/p>\n<p>\u5be6\u969b\u4fdd\u8cbb\u53d6\u6c7a\u65bc\u7269\u696d\u53ca\u4fdd\u55ae\u3002<\/p>\n<h2>5. \u8cb8\u6b3e\u6a5f\u69cb\u6536\u8cbb<\/h2>\n<p>\u7533\u8acb\u524d\u61c9\u78ba\u8a8d\u6709\u6c92\u6709\uff1a<\/p>\n<ul>\n<li>\n<p>Handling Fees<\/p>\n<\/li>\n<li>\n<p>\u884c\u653f\u8cbb\uff1b<\/p>\n<\/li>\n<li>\n<p>\u4f30\u50f9\u8cbb\uff1b<\/p>\n<\/li>\n<li>\n<p>\u6cd5\u5f8b\u8cbb\uff1b<\/p>\n<\/li>\n<li>\n<p>\u9867\u554f\u8cbb\uff1b<\/p>\n<\/li>\n<li>\n<p>\u63d0\u524d\u9084\u6b3e\u8cbb\uff1b<\/p>\n<\/li>\n<li>\n<p>\u63d0\u65e9\u8d16\u56de\u7f70\u606f\u3002<\/p>\n<\/li>\n<\/ul>\n<h2>6. \u5229\u606f\u53ca\u5be6\u969b\u5e74\u5229\u7387<\/h2>\n<p>\u6bd4\u8f03\u8cb8\u6b3e\u6642\u4e0d\u8981\u53ea\u770b\u300c\u6708\u606f\u300d\u6216\u5ba3\u50b3\u5229\u7387\u3002<\/p>\n<p>\u8f03\u5408\u7406\u7684\u6bd4\u8f03\u65b9\u5f0f\u662f\u540c\u6642\u770b\uff1a<\/p>\n<p><strong>\u5be6\u969b\u5e74\u5229\u7387\uff0f\u6709\u6548\u5229\u7387\uff0b\u7e3d\u5229\u606f\uff0b\u6240\u6709\u624b\u7e8c\u8cbb\uff0b\u63d0\u524d\u9084\u6b3e\u689d\u6b3e\u3002<\/strong><\/p>\n<p>\u5982\u679c\u8cb8\u6b3e\u7531\u6301\u724c\u653e\u50b5\u4eba\u63d0\u4f9b\uff0c\u4ea6\u61c9\u7559\u610f\u300a\u653e\u50b5\u4eba\u689d\u4f8b\u300b\u3002<\/p>\n<p>\u73fe\u884c\u6cd5\u5b9a\u8cb8\u6b3e\u5229\u7387\u4e0a\u9650\u70ba<strong>\u5e74\u606f 48%<\/strong>\uff0c\u800c\u5e74\u606f\u8d85\u904e <strong>36%<\/strong> \u7684\u4ea4\u6613\u53ef\u80fd\u88ab\u63a8\u5b9a\u70ba\u5c6c\u6572\u8a50\u6027\u5229\u7387\u4e26\u89f8\u767c\u76f8\u95dc\u6cd5\u5f8b\u6a5f\u5236\u3002<\/p>\n<hr>\n<h1>\u9280\u884c\u8207\u6301\u724c\u653e\u50b5\u4eba\u505a\u73fe\u5951\u5957\u73fe\u6709\u4ec0\u9ebc\u5206\u5225\uff1f<\/h1>\n<table class=\"border-collapse table-auto w-full\" style=\"min-width: 75px;\">\n<colgroup>\n<col style=\"min-width: 25px;\">\n<col style=\"min-width: 25px;\">\n<col style=\"min-width: 25px;\"><\/colgroup>\n<tbody>\n<tr>\n<th class=\"border border-border bg-surface-sunken px-3 py-2 text-left font-medium\" colspan=\"1\" rowspan=\"1\">\n<p>\u6bd4\u8f03<\/p>\n<\/th>\n<th class=\"border border-border bg-surface-sunken px-3 py-2 text-left font-medium\" colspan=\"1\" rowspan=\"1\">\n<p>Bank<\/p>\n<\/th>\n<th class=\"border border-border bg-surface-sunken px-3 py-2 text-left font-medium\" colspan=\"1\" rowspan=\"1\">\n<p>\u6301\u724c\u653e\u50b5\u4eba\uff0f\u8ca1\u52d9\u6a5f\u69cb<\/p>\n<\/th>\n<\/tr>\n<tr>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u4e00\u822c\u878d\u8cc7\u6210\u672c<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u901a\u5e38\u8f03\u4f4e<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u4e00\u822c\u53ef\u80fd\u8f03\u9ad8<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u5be9\u6279<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u8f03\u91cd\u8996\u5165\u606f\u3001\u8cc7\u7522\u53ca\u4fe1\u8cb8<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u500b\u5225\u6a5f\u69cb\u5be9\u6279\u65b9\u5f0f\u8f03\u9748\u6d3b<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u8655\u7406\u901f\u5ea6<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u901a\u5e38\u8f03\u9577<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u90e8\u5206\u500b\u6848\u53ef\u80fd\u8f03\u5feb<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>Principal<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u53d7\u4f30\u503c\u3001\u76e3\u7ba1\u53ca\u9280\u884c\u4fe1\u8cb8\u653f\u7b56\u9650\u5236<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u8996\u6a5f\u69cb\u98a8\u96aa\u653f\u7b56\u53ca\u6cd5\u5f8b\u9650\u5236<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>Target Audience<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u8ca1\u52d9\u8cc7\u6599\u5b8c\u6574\u3001\u53ef\u7b49\u5f85\u6b63\u5e38\u5be9\u6279<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u9280\u884c\u5be9\u6279\u56f0\u96e3\u6216\u6709\u8f03\u6025\u8cc7\u91d1\u9700\u8981\u7684\u4eba\u58eb<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u6bd4\u8f03\u91cd\u9ede<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u5229\u7387\u3001\u56de\u8d08\u3001\u7f70\u606f\u671f\u3001\u5e74\u671f<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p><strong>\u5c24\u5176\u8981\u6bd4\u8f03\u6709\u6548\u5229\u7387\u53ca\u5168\u90e8\u8cbb\u7528<\/strong><\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>\u8cb8\u6b3e\u901f\u5ea6\u4e0d\u61c9\u6210\u70ba\u552f\u4e00\u8003\u616e\u56e0\u7d20\u3002\u62b5\u62bc\u7269\u696d\u6d89\u53ca\u91cd\u5927\u8cc7\u7522\uff0c\u7533\u8acb\u524d\u61c9\u6e05\u695a\u4e86\u89e3\u7e3d\u9084\u6b3e\u984d\u53ca\u9055\u7d04\u5f8c\u679c\u3002<\/p>\n<hr>\n<h1>\u7279\u6b8a\u7269\u696d\u53ca\u696d\u6b0a\u5982\u4f55\u8655\u7406\uff1f<\/h1>\n<h2>\u806f\u540d\u7269\u696d<\/h2>\n<p>\u5982\u679c\u7269\u696d\u7531\u591a\u540d\u696d\u4e3b\u5171\u540c\u6301\u6709\uff0c\u4e00\u822c\u9700\u8981\u6240\u6709\u76f8\u95dc\u696d\u4e3b\u914d\u5408\u62b5\u62bc\u53ca\u7c3d\u7f72\u6cd5\u5f8b\u6587\u4ef6\u3002<\/p>\n<p>\u5176\u4e2d\u4e00\u540d\u696d\u4e3b\u4e0d\u540c\u610f\u6642\uff0c\u901a\u5e38\u4e0d\u80fd\u55ae\u65b9\u9762\u628a\u6574\u500b\u7269\u696d\u62b5\u62bc\u3002<\/p>\n<h2>\u96e2\u5a5a\u3001\u7529\u540d\u6216\u8fd1\u671f\u8f49\u540d<\/h2>\n<p>\u5982\u7269\u696d\u8fd1\u671f\u5b8c\u6210\uff1a<\/p>\n<ul>\n<li>\n<p>\u7529\u540d\uff1b<\/p>\n<\/li>\n<li>\n<p>\u52a0\u540d\uff1b<\/p>\n<\/li>\n<li>\n<p>\u96e2\u5a5a\u8f49\u8b93\uff1b<\/p>\n<\/li>\n<li>\n<p>\u5bb6\u5ead\u6210\u54e1\u4e4b\u9593\u8f49\u8b93\uff1b<\/p>\n<\/li>\n<\/ul>\n<p>\u5f8b\u5e2b\u6703\u78ba\u8a8d\u76f8\u95dc\u8f49\u8b93\u6587\u4ef6\u53ca\u571f\u5730\u8a3b\u518a\u7d00\u9304\u3002<\/p>\n<p>\u8cb8\u6b3e\u6a5f\u69cb\u4ea6\u53ef\u80fd\u8981\u6c42\u4e86\u89e3\u8f49\u8b93\u80cc\u666f\u3002<\/p>\n<h2>\u907a\u7522\u7269\u696d<\/h2>\n<p>\u7e7c\u627f\u7269\u696d\u901a\u5e38\u8981\u5148\u8655\u7406\u9069\u7576\u7684\u907a\u7522\u627f\u8fa6\u53ca\u696d\u6b0a\u624b\u7e8c\uff0c\u4ee4\u7533\u8acb\u4eba\u5177\u5099\u53ef\u4ee5\u628a\u7269\u696d\u62b5\u62bc\u7684\u6cd5\u5f8b\u6b0a\u5229\u3002<\/p>\n<p>\u5c1a\u672a\u5b8c\u6210\u907a\u7522\u7a0b\u5e8f\u7684\u500b\u6848\uff0c\u4e0d\u80fd\u55ae\u7d14\u56e0\u70ba\u300c\u5bb6\u4eba\u540c\u610f\u300d\u4fbf\u8996\u4f5c\u666e\u901a\u73fe\u5951\u6a13\u8655\u7406\u3002<\/p>\n<h2>\u672a\u88dc\u50f9\u5c45\u5c4b\u53ca\u8cc7\u52a9\u51fa\u552e\u623f\u5c4b<\/h2>\n<p><strong>\u672a\u88dc\u50f9\u5c45\u5c4b\u4e0d\u662f\u7d55\u5c0d\u4e0d\u80fd\u91cd\u65b0\u6309\u63ed\u3002<\/strong><\/p>\n<p>\u6839\u64da\u9999\u6e2f\u623f\u5c4b\u59d4\u54e1\u6703\u53ca\u623f\u5c4b\u7f72\u73fe\u884c\u8cc7\u6599\uff0c\u5982\u679c\u8cc7\u52a9\u51fa\u552e\u55ae\u4f4d\u5c1a\u672a\u88dc\u50f9\uff0c\u696d\u4e3b\u8981\u6539\u8b8a\u6309\u63ed\u5b89\u6392\u6216\u91cd\u65b0\u6309\u63ed\uff0f\u52a0\u6309\uff0c\u4e00\u822c\u9808\u4e8b\u5148\u53d6\u5f97<strong>\u623f\u5c4b\u7f72\u7f72\u9577\u6279\u51c6<\/strong>.<\/p>\n<p>\u623f\u5c4b\u7f72\u5217\u51fa\u7684\u53ef\u8003\u616e\u539f\u56e0\u5305\u62ec\uff1a<\/p>\n<ul>\n<li>\n<p>\u91ab\u7642\u958b\u652f\uff1b<\/p>\n<\/li>\n<li>\n<p>\u5bb6\u5ead\u6210\u54e1\u6559\u80b2\u8cbb\uff1b<\/p>\n<\/li>\n<li>\n<p>\u6bae\u846c\u8cbb\uff1b<\/p>\n<\/li>\n<li>\n<p>\u96e2\u5a5a\u6216\u5206\u5c45\u6240\u7522\u751f\u7684\u6b3e\u9805\uff1b<\/p>\n<\/li>\n<li>\n<p>\u751f\u610f\u51fa\u73fe\u8ca1\u653f\u56f0\u96e3\uff1b<\/p>\n<\/li>\n<li>\n<p>\u5176\u4ed6\u6309\u500b\u5225\u60c5\u6cc1\u8003\u616e\u7684\u8ca1\u52d9\u9700\u8981\u3002<\/p>\n<\/li>\n<\/ul>\n<p>\u56e0\u6b64\uff0c\u8f03\u6e96\u78ba\u7684\u8aaa\u6cd5\u4e0d\u662f\u300c\u672a\u88dc\u50f9\u5c45\u5c4b\u4e00\u5b9a\u4e0d\u80fd\u5957\u73fe\u300d\uff0c\u800c\u662f\uff1a<\/p>\n<p><strong>\u672a\u88dc\u50f9\u8cc7\u52a9\u623f\u5c4b\u53d7\u5230\u8f49\u8b93\u53ca\u6309\u63ed\u9650\u5236\uff0c\u4e0d\u80fd\u50cf\u5df2\u88dc\u50f9\u79c1\u4eba\u4f4f\u5b85\u822c\u81ea\u7531\u62b5\u62bc\uff1b\u91cd\u65b0\u6309\u63ed\u9808\u7b26\u5408\u623f\u5c4b\u7f72\u8981\u6c42\u53ca\u53d6\u5f97\u6240\u9700\u6279\u51c6\u3002<\/strong><\/p>\n<h2>\u51fa\u79df\u7269\u696d<\/h2>\n<p>\u51fa\u79df\u4f4f\u5b85\u4ecd\u53ef\u7533\u8acb\u73fe\u5951\u5957\u73fe\u3002<\/p>\n<p>\u81ea 2024 \u5e74 10 \u6708\u63aa\u65bd\u8abf\u6574\u5f8c\uff0c\u81ea\u4f4f\u53ca\u975e\u81ea\u4f4f\u4f4f\u5b85\u7684\u76e3\u7ba1 LTV \u4e0a\u9650\u5df2\u7d71\u4e00\u3002<\/p>\n<p>\u4e0d\u904e\u9280\u884c\u4ecd\u53ef\u80fd\u8003\u616e\uff1a<\/p>\n<ul>\n<li>\n<p>\u79df\u7d04\u5e74\u671f\uff1b<\/p>\n<\/li>\n<li>\n<p>\u79df\u91d1\uff1b<\/p>\n<\/li>\n<li>\n<p>\u79df\u6236\uff1b<\/p>\n<\/li>\n<li>\n<p>\u662f\u5426\u6709\u79df\u52d9\u9650\u5236\uff1b<\/p>\n<\/li>\n<li>\n<p>\u79df\u91d1\u6536\u5165\u662f\u5426\u7372\u8a8d\u53ef\u3002<\/p>\n<\/li>\n<\/ul>\n<p>\u56e0\u6b64\u5be6\u969b\u6279\u6838\u689d\u4ef6\u4ecd\u53ef\u80fd\u8207\u81ea\u4f4f\u7269\u696d\u4e0d\u540c\u3002<\/p>\n<h2>\u5de5\u5546\u8216\u53ca\u7368\u7acb\u8eca\u4f4d<\/h2>\n<p>\u9999\u6e2f\u91d1\u878d\u7ba1\u7406\u5c40\u65bc 2024 \u5e74 10 \u6708\u4ea6\u628a\u4f4f\u5b85\u53ca\u975e\u4f4f\u5b85\u7269\u696d\u7684\u6700\u9ad8 LTV \u53ca DSR \u76e3\u7ba1\u4e0a\u9650\u4f5c\u7d71\u4e00\u8abf\u6574\u3002<\/p>\n<p>\u7136\u800c\u5de5\u5546\u8216\u3001\u5de5\u5ec8\u53ca\u7368\u7acb\u8eca\u4f4d\u7684\u6210\u4ea4\u91cf\u3001\u4f30\u50f9\u6ce2\u5e45\u53ca\u9280\u884c\u98a8\u96aa\u80c3\u7d0d\u8207\u4f4f\u5b85\u4e0d\u540c\uff0c\u9280\u884c\u4ecd\u53ef\u63a1\u7528\u8f03\u4fdd\u5b88\u7684\u5be6\u969b\u6279\u6838\u689d\u4ef6\u3002<\/p>\n<hr>\n<h1>\u6a13\u5951\u907a\u5931\u9084\u53ef\u4ee5\u505a\u73fe\u5951\u5957\u73fe\u55ce\uff1f<\/h1>\n<p><strong>\u6709\u6a5f\u6703\uff0c\u4f46\u7a0b\u5e8f\u901a\u5e38\u6bd4\u5b8c\u6574\u6a13\u5951\u500b\u6848\u8907\u96dc\u3002<\/strong><\/p>\n<p>\u9999\u6e2f\u571f\u5730\u8a3b\u518a\u8655\u53ef\u4ee5\u63d0\u4f9b\u5df2\u8a3b\u518a\u571f\u5730\u6587\u4ef6\u7684\u666e\u901a\u526f\u672c\u6216\u6838\u8b49\u526f\u672c\u3002<\/p>\n<p>\u4f46\u9700\u8981\u6ce8\u610f\uff1a<\/p>\n<p><strong>\u6838\u8b49\u526f\u672c\u4e26\u4e0d\u7b49\u65bc\u5728\u6240\u6709\u60c5\u6cc1\u4e0b\u53ef\u4ee5\u5b8c\u5168\u53d6\u4ee3\u907a\u5931\u7684\u6a13\u5951\u6b63\u672c\u3002<\/strong><\/p>\n<p>\u9999\u6e2f\u76ee\u524d\u63a1\u7528\u5951\u7d04\u8a3b\u518a\u5236\u5ea6\uff0c\u539f\u6709\u696d\u6b0a\u6587\u4ef6\u4ecd\u662f\u8b49\u660e\u696d\u6b0a\u7684\u91cd\u8981\u8cc7\u6599\u3002\u6a13\u5951\u907a\u5931\u5f8c\uff0c\u5f8b\u5e2b\u53ef\u80fd\u9700\u8981\uff1a<\/p>\n<ul>\n<li>\n<p>\u641c\u67e5\u571f\u5730\u8a3b\u518a\u7d00\u9304\uff1b<\/p>\n<\/li>\n<li>\n<p>\u53d6\u5f97\u76f8\u95dc\u8a3b\u518a\u6587\u4ef6\u526f\u672c\uff1b<\/p>\n<\/li>\n<li>\n<p>\u91cd\u7d44\u696d\u6b0a\u6587\u4ef6\uff1b<\/p>\n<\/li>\n<li>\n<p>\u89e3\u91cb\u6587\u4ef6\u907a\u5931\u60c5\u6cc1\uff1b<\/p>\n<\/li>\n<li>\n<p>\u6309\u8cb8\u6b3e\u6a5f\u69cb\u8981\u6c42\u63a1\u53d6\u984d\u5916\u6cd5\u5f8b\u63aa\u65bd\u3002<\/p>\n<\/li>\n<\/ul>\n<p>\u4e0d\u540c\u9280\u884c\u5c0d missing deeds \u500b\u6848\u7684\u63a5\u53d7\u7a0b\u5ea6\u53ef\u4ee5\u4e0d\u540c\u3002<\/p>\n<p>\u56e0\u6b64\uff0c\u6a13\u5951\u907a\u5931\u5f8c\u6700\u9069\u5408\u7684\u7b2c\u4e00\u6b65\u901a\u5e38\u662f<strong>\u5148\u8b93\u7269\u696d\u5f8b\u5e2b\u6aa2\u67e5\u696d\u6b0a\uff0c\u800c\u4e0d\u662f\u76f4\u63a5\u5047\u8a2d\u88dc\u9818\u6838\u8b49\u526f\u672c\u5f8c\u4fbf\u4e00\u5b9a\u53ef\u4ee5\u6309\u63ed\u3002<\/strong><\/p>\n<hr>\n<h1>66 \u6b72\u9000\u4f11\u4eba\u58eb\u73fe\u5951\u5957\u73fe\u6848\u4f8b<\/h1>\n<p>\u5047\u8a2d\u9673\u5148\u751f\uff1a<\/p>\n<ul>\n<li>\n<p>\u5e74\u9f61\uff1a66 \u6b72<\/p>\n<\/li>\n<li>\n<p>\u5df2\u9000\u4f11\uff1b<\/p>\n<\/li>\n<li>\n<p>\u6c92\u6709\u56fa\u5b9a\u6708\u85aa\uff1b<\/p>\n<\/li>\n<li>\n<p>\u6301\u6709\u4e00\u500b\u5df2\u4f9b\u6eff\u79c1\u4eba\u4f4f\u5b85\uff1b<\/p>\n<\/li>\n<li>\n<p>\u9280\u884c\u6b63\u5f0f\u4f30\u503c\uff1aHK$1,000 \u842c\uff1b<\/p>\n<\/li>\n<li>\n<p>\u6c92\u6709\u539f\u6709\u6309\u63ed\u3002<\/p>\n<\/li>\n<\/ul>\n<h2>\u60c5\u6cc1\u4e00\uff1a\u4ee5\u8cc7\u7522\u6de8\u503c\u5be9\u6279<\/h2>\n<p>\u6309\u7167\u73fe\u884c\u76e3\u7ba1\u6846\u67b6\uff0c\u4ee5 net worth-based lending \u5be9\u6279\u7684 LTV \u4e0a\u9650\u540c\u6a23\u53ef\u9054 70%\u3002<\/p>\n<p>\u56e0\u6b64\u7406\u8ad6\u76e3\u7ba1\u4e0a\u9650\u70ba\uff1a<\/p>\n<p><strong>HK$1,000 \u842c \u00d7 70% = HK$700 \u842c<\/strong><\/p>\n<p>\u4f46\u9280\u884c\u6703\u518d\u8003\u616e\u9673\u5148\u751f\u7684\uff1a<\/p>\n<ul>\n<li>\n<p>\u6d41\u52d5\u8cc7\u7522\uff1b<\/p>\n<\/li>\n<li>\n<p>\u5176\u4ed6\u8ca0\u50b5\uff1b<\/p>\n<\/li>\n<li>\n<p>\u5e74\u9f61\uff1b<\/p>\n<\/li>\n<li>\n<p>\u9084\u6b3e\u5e74\u671f\uff1b<\/p>\n<\/li>\n<li>\n<p>\u8cc7\u7522\u8cea\u7d20\uff1b<\/p>\n<\/li>\n<li>\n<p>\u7269\u696d\u8cea\u7d20\u3002<\/p>\n<\/li>\n<\/ul>\n<p>\u6700\u7d42\u53ef\u80fd\u53ea\u6279 HK$400 \u842c\u3001HK$500 \u842c\u6216 HK$600 \u842c\uff0c\u4e26\u4e0d\u4ee3\u8868\u4e00\u5b9a\u53ef\u4ee5\u53d6\u5f97 HK$700 \u842c\u3002<\/p>\n<h2>\u60c5\u6cc1\u4e8c\uff1a\u52a0\u5165\u6709\u6536\u5165\u7684\u5bb6\u5ead\u6210\u54e1<\/h2>\n<p>\u5982\u679c\u9673\u5148\u751f\u9700\u8981 HK$600 \u842c\uff0c\u800c\u55ae\u9760\u81ea\u5df1\u7684\u689d\u4ef6\u672a\u80fd\u53d6\u5f97\u5408\u9069\u5e74\u671f\uff0c\u53ef\u7814\u7a76\u52a0\u5165\u6709\u7a69\u5b9a\u6536\u5165\u7684\u5bb6\u5ead\u6210\u54e1\u4f5c\u5171\u540c\u501f\u6b3e\u4eba\u6216\u64d4\u4fdd\u4eba\u3002<\/p>\n<p>\u4f5c\u7528\u4e3b\u8981\u662f\u6539\u5584\uff1a<\/p>\n<ul>\n<li>\n<p>\u9084\u6b3e\u80fd\u529b\uff1b<\/p>\n<\/li>\n<li>\n<p>DSR\uff1b<\/p>\n<\/li>\n<li>\n<p>\u53ef\u63a5\u53d7\u8cb8\u6b3e\u5e74\u671f\u3002<\/p>\n<\/li>\n<\/ul>\n<p>\u4f46\u5373\u4f7f\u52a0\u5165\u5e74\u8f15\u64d4\u4fdd\u4eba\uff0c<strong>\u4e00\u822c\u4ea6\u4e0d\u662f\u628a 70% \u7684\u76e3\u7ba1 LTV \u4e0a\u9650\u63d0\u9ad8\u81f3\u66f4\u9ad8\u6c34\u5e73\u3002<\/strong><\/p>\n<hr>\n<h1>\u9000\u4f11\u4eba\u58eb\u61c9\u8a72\u505a\u73fe\u5951\u5957\u73fe\u9084\u662f\u5b89\u8001\u6309\u63ed\uff1f<\/h1>\n<p>\u5169\u8005\u7528\u9014\u4e0d\u540c\u3002<\/p>\n<p><strong>\u50b3\u7d71\u73fe\u5951\u5957\u73fe<\/strong>\u4e00\u822c\u662f\u4e00\u6b21\u53d6\u5f97\u8f03\u5927\u7b46\u8cb8\u6b3e\uff0c\u501f\u6b3e\u4eba\u9700\u8981\u6309\u7167\u8cb8\u6b3e\u5b89\u6392\u9084\u6b3e\u3002<\/p>\n<p><strong>\u5b89\u8001\u6309\u63ed\uff08Reverse Mortgage Programme\uff09<\/strong>\u5247\u4e3b\u8981\u8b93\u5408\u8cc7\u683c\u5e74\u9577\u696d\u4e3b\u5229\u7528\u4f4f\u5b85\u53d6\u5f97\u5b9a\u671f\u6b3e\u9805\uff0c\u540c\u6642\u7e7c\u7e8c\u5c45\u4f4f\u65bc\u7269\u696d\u3002<\/p>\n<p>\u9999\u6e2f\u6309\u63ed\u8b49\u5238\u6709\u9650\u516c\u53f8\u7684\u5b89\u8001\u6309\u63ed\u8a08\u5283\u662f\u9000\u4f11\u4eba\u58eb\u53e6\u4e00\u500b\u503c\u5f97\u6bd4\u8f03\u7684\u65b9\u6848\u3002<\/p>\n<p>\u6839\u64da 2026 \u5e74\u516c\u5e03\u7684\u8cc7\u6599\uff0c2025 \u5e74\u5b89\u8001\u6309\u63ed\u8a08\u5283\u5171\u6279\u51c6 <strong>937 \u5b97\u7533\u8acb<\/strong>\uff1b\u6b77\u5e74\u7533\u8acb\u4eba\u7684\u5e73\u5747\u5e74\u9f61\u7d04 <strong>69 \u6b72<\/strong>\uff0c\u5e73\u5747\u6bcf\u6708\u5e74\u91d1\u6b3e\u9805\u7d04 <strong>HK$15,800<\/strong>.<\/p>\n<p>\u56e0\u6b64\uff1a<\/p>\n<ul>\n<li>\n<p>\u9700\u8981\u4e00\u6b21\u904e\u8f03\u5927\u7b46\u8cc7\u91d1 \u2192 \u53ef\u6bd4\u8f03\u50b3\u7d71\u73fe\u5951\u5957\u73fe\uff1b<\/p>\n<\/li>\n<li>\n<p>\u5e0c\u671b\u5229\u7528\u7269\u696d\u7522\u751f\u9000\u4f11\u73fe\u91d1\u6d41 \u2192 \u53ef\u540c\u6642\u4e86\u89e3\u5b89\u8001\u6309\u63ed\u3002<\/p>\n<\/li>\n<\/ul>\n<p>\u5169\u8005\u7684\u5229\u606f\u7d2f\u7a4d\u3001\u9084\u6b3e\u65b9\u5f0f\u53ca\u907a\u7522\u5b89\u6392\u4e0d\u540c\uff0c\u4e0d\u80fd\u53ea\u6bd4\u8f03\u300c\u53ef\u4ee5\u501f\u5e7e\u591a\u300d\u3002<\/p>\n<hr>\n<h1>\u73fe\u5951\u5957\u73fe\u5e38\u898b\u554f\u984c FAQ<\/h1>\n<h2>1. \u73fe\u5951\u6a13\u6700\u9ad8\u53ef\u4ee5\u5957\u73fe\u5e7e\u591a\uff1f<\/h2>\n<p>\u6309\u9999\u6e2f\u91d1\u878d\u7ba1\u7406\u5c40\u73fe\u884c\u7269\u696d\u6309\u63ed\u63aa\u65bd\uff0c\u4f4f\u5b85\u7269\u696d\u76e3\u7ba1\u6700\u9ad8 LTV \u4e00\u822c\u70ba <strong>70%<\/strong>.<\/p>\n<p>\u5be6\u969b\u8cb8\u6b3e\u984d\u7b49\u65bc\u9280\u884c\u8a8d\u53ef\u4f30\u503c\u4e58\u4ee5\u6700\u7d42\u6279\u6838\u6210\u6578\uff0c\u800c\u9280\u884c\u53ef\u4ee5\u6279\u4f4e\u65bc 70%\u3002<\/p>\n<h2>2. HK$800 \u842c\u73fe\u5951\u6a13\u6700\u591a\u53ef\u4ee5\u501f\u5e7e\u591a\uff1f<\/h2>\n<p>\u5982\u679c\u9280\u884c\u4f30\u503c\u70ba HK$800 \u842c\uff0c\u800c\u4e14\u6700\u7d42\u6279\u8db3 70%\uff1a<\/p>\n<p><strong>HK$800 \u842c \u00d7 70% = HK$560 \u842c\u3002<\/strong><\/p>\n<p>\u5982\u679c\u9280\u884c\u53ea\u6279 60%\uff0c\u5247\u70ba HK$480 \u842c\u3002<\/p>\n<h2>3. \u9000\u4f11\u4eba\u58eb\u6c92\u6709\u6536\u5165\u53ef\u4ee5\u505a\u73fe\u5951\u5957\u73fe\u55ce\uff1f<\/h2>\n<p>\u53ef\u4ee5\u7814\u7a76\u4ee5<strong>\u8cc7\u7522\u6de8\u503c\uff08net worth\uff09<\/strong>\u65b9\u5f0f\u5be9\u6279\u3002<\/p>\n<p>2026 \u5e74\u4e0d\u80fd\u518d\u7c21\u55ae\u8aaa\u300c\u9000\u4f11\u4eba\u58eb\u6700\u9ad8\u53ea\u53ef\u505a 5 \u6210\u300d\uff1b\u73fe\u884c\u76e3\u7ba1 LTV \u4e0a\u9650\u53ef\u9054 70%\uff0c\u4f46\u5be6\u969b\u6210\u6578\u7531\u9280\u884c\u6309\u8cc7\u7522\u53ca\u98a8\u96aa\u6c7a\u5b9a\u3002<\/p>\n<h2>4. \u540d\u4e0b\u5df2\u6709\u53e6\u4e00\u5c64\u6309\u63ed\u6a13\uff0c\u73fe\u5951\u5957\u73fe\u662f\u5426\u8981\u6263\u4e00\u6210\uff1f<\/h2>\n<p>\u73fe\u884c\u76e3\u7ba1\u63aa\u65bd\u5df2\u53d6\u6d88\u904e\u5f80\u56e0\u5df2\u6709\u5176\u4ed6\u6309\u63ed\u800c\u984d\u5916\u6536\u7dca LTV \u53ca DSR 10 \u500b\u767e\u5206\u9ede\u7684\u8981\u6c42\u3002<\/p>\n<p>\u4f46\u5176\u4ed6\u6309\u63ed\u50b5\u52d9\u4ecd\u6703\u5f71\u97ff\u9280\u884c\u7684\u6574\u9ad4\u9084\u6b3e\u80fd\u529b\u53ca\u4fe1\u8cb8\u8a55\u4f30\u3002<\/p>\n<h2>5. \u73fe\u5951\u5957\u73fe\u4ecd\u9700\u8981\u505a\u58d3\u529b\u6e2c\u8a66\u55ce\uff1f<\/h2>\n<p>\u539f\u6709\u5047\u8a2d\u5229\u7387\u4e0a\u5347 2 \u500b\u767e\u5206\u9ede\u7684\u6307\u5b9a\u6309\u63ed\u58d3\u529b\u6e2c\u8a66\u8981\u6c42\uff0c\u5df2\u81ea <strong>2024 \u5e74 2 \u6708 28 \u65e5\u8d77\u66ab\u505c<\/strong>.<\/p>\n<p>\u9280\u884c\u4ecd\u7136\u9700\u8981\u8a55\u4f30\u501f\u6b3e\u4eba\u7684\u9084\u6b3e\u80fd\u529b\u3002<\/p>\n<h2>6. \u51fa\u79df\u7269\u696d\u53ef\u4ee5\u73fe\u5951\u5957\u73fe\u55ce\uff1f<\/h2>\n<p>\u53ef\u4ee5\u3002<\/p>\n<p>\u73fe\u6642\u81ea\u4f4f\u53ca\u975e\u81ea\u4f4f\u4f4f\u5b85\u7684\u76e3\u7ba1 LTV \u4e0a\u9650\u5df2\u7d71\u4e00\uff0c\u4f46\u9280\u884c\u4ecd\u53ef\u80fd\u56e0\u79df\u52d9\u72c0\u6cc1\u53ca\u98a8\u96aa\u63a1\u7528\u4e0d\u540c\u5be6\u969b\u5be9\u6279\u6a19\u6e96\u3002<\/p>\n<h2>7. \u672a\u88dc\u50f9\u5c45\u5c4b\u53ef\u5426\u52a0\u6309\u5957\u73fe\uff1f<\/h2>\n<p>\u4e0d\u662f\u81ea\u7531\u52a0\u6309\u3002<\/p>\n<p>\u672a\u88dc\u50f9\u8cc7\u52a9\u51fa\u552e\u55ae\u4f4d\u4e00\u822c\u9808\u53d6\u5f97\u623f\u5c4b\u7f72\u7f72\u9577\u6279\u51c6\uff0c\u800c\u623f\u5c4b\u7f72\u6703\u6309\u7533\u8acb\u539f\u56e0\u53ca\u500b\u5225\u60c5\u6cc1\u6c7a\u5b9a\u662f\u5426\u6279\u51c6\u3002<\/p>\n<h2>8. 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