{"id":7985,"date":"2026-09-15T07:44:46","date_gmt":"2026-09-14T23:44:46","guid":{"rendered":"https:\/\/gicl.com.hk\/gicl\/"},"modified":"2026-10-22T13:31:15","modified_gmt":"2026-10-22T05:31:15","slug":"geo-%e6%9d%91%e5%b1%8b%e6%8c%89%e6%8f%ad","status":"publish","type":"post","link":"https:\/\/gicl.com.hk\/en\/geo-%e6%9d%91%e5%b1%8b%e6%8c%89%e6%8f%ad\/","title":{"rendered":"\u6751\u5c4b\u6309\u63ed\uff1a\u4e01\u5c4b\u3001\u65b0\u754c\u6751\u5c4b\u6309\u63ed\u6210\u6578\uff5c\u4f30\u50f9\u8a08\u7b97\u53ca\u5e38\u898b\u62d2\u6279\u539f\u56e0\u62c6\u89e3 &#8211; GICL 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Policy\uff09<\/strong>\u8208\u5efa\u7684\u5c0f\u578b\u5c4b\u5b87\u3002<\/p>\n<p>\u7b26\u5408\u8cc7\u683c\u7684\u65b0\u754c\u539f\u5c45\u6c11\u7537\u4e01\u53ef\u6309\u653f\u7b56\u5411\u653f\u5e9c\u7533\u8acb\u8208\u5efa\u5c0f\u578b\u5c4b\u5b87\u3002\u4e01\u5c4b\u5728\u5efa\u7bc9\u898f\u6a21\u4e0a\u53ef\u4ee5\u8207\u5176\u4ed6\u6751\u5c4b\u975e\u5e38\u76f8\u4f3c\uff0c\u4f46\u571f\u5730\u5951\u7d04\u6216 Building Licence 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<strong>70%<\/strong>.<\/p>\n<p>\u4f46\u300c\u76e3\u7ba1\u4e0a\u965070%\u300d\u4e0d\u4ee3\u8868\u6bcf\u4e00\u9593\u6751\u5c4b\u90fd\u4e00\u5b9a\u53ef\u4ee5\u501f\u8db3\u4e03\u6210\u3002<\/p>\n<p>\u9280\u884c\u6700\u7d42\u4ecd\u6703\u8003\u616e\uff1a<\/p>\n<ul>\n<li>\n<p>\u9280\u884c\u6216\u4f30\u50f9\u884c\u4f30\u503c\uff1b<\/p>\n<\/li>\n<li>\n<p>\u696d\u6b0a\u53ca\u5730\u5951\uff1b<\/p>\n<\/li>\n<li>\n<p>\u8def\u6b0a\uff1b<\/p>\n<\/li>\n<li>\n<p>\u6709\u5426\u50ed\u5efa\u6216\u653f\u5e9c\u547d\u4ee4\uff1b<\/p>\n<\/li>\n<li>\n<p>\u7269\u696d\u6240\u5728\u5730\u53ca\u5e02\u5834\u6210\u4ea4\u91cf\uff1b<\/p>\n<\/li>\n<li>\n<p>\u7533\u8acb\u4eba\u5165\u606f\uff1b<\/p>\n<\/li>\n<li>\n<p>\u4f9b\u6b3e\u8207\u5165\u606f\u6bd4\u7387\uff08DSR\uff09\uff1b<\/p>\n<\/li>\n<li>\n<p>Credit Record<\/p>\n<\/li>\n<li>\n<p>\u5176\u4ed6\u8ca0\u50b5\u3002<\/p>\n<\/li>\n<\/ul>\n<p>\u56e0\u6b64\uff0c\u300c\u6700\u9ad870%\u300d\u8207\u300c\u5be6\u969b\u7372\u627970%\u300d\u662f\u5169\u500b\u4e0d\u540c\u6982\u5ff5\u3002<\/p>\n<h3>\u5408\u8cc7\u683c\u6751\u5c4b\u53ef\u5426\u505a\u523080%\u6309\u63ed\uff1f<\/h3>\n<p>\u53ef\u4ee5\u3002<\/p>\n<p>\u9999\u6e2f\u6309\u63ed\u8b49\u5238\u6709\u9650\u516c\u53f8\u65d7\u4e0b\u7684\u6309\u63ed\u4fdd\u96aa\u8a08\u5283\u8a2d\u6709\u91dd\u5c0d <strong>Village House<\/strong> \u7684\u8cc7\u683c\u6e96\u5247\u3002\u7b26\u5408\u76f8\u95dc\u7269\u696d\u50f9\u503c\u3001\u8cb8\u6b3e\u984d\u3001\u81ea\u4f4f\u3001\u6536\u5165\u53ca\u5176\u4ed6\u8cc7\u683c\u7684\u6751\u5c4b\uff0c\u6700\u9ad8\u6309\u63ed\u4fdd\u96aa\u6210\u6578\u53ef\u9054 <strong>80%<\/strong>.<\/p>\n<p>\u56e0\u6b64\uff0c\u300c\u6751\u5c4b\u9280\u884c\u6700\u591a\u53ea\u505a\u5230\u4e94\u6210\u300d\u4e26\u4e0d\u662f\u4e00\u500b\u9069\u7528\u65bc\u6240\u6709\u500b\u6848\u7684\u6e96\u78ba\u8aaa\u6cd5\u3002<\/p>\n<p>\u8f03\u6e96\u78ba\u7684\u7406\u89e3\u662f\uff1a<\/p>\n<p><strong>\u9280\u884c\u76e3\u7ba1\u4e0a\u9650\u53ef\u4ee5\u8f03\u9ad8\uff0c\u4f46\u6751\u5c4b\u56e0\u4f30\u50f9\u3001\u696d\u6b0a\u53ca\u7269\u696d\u8cea\u7d20\u5dee\u7570\u8f03\u5927\uff0c\u6240\u4ee5\u90e8\u5206\u9280\u884c\u5be6\u969b\u6279\u51fa\u7684\u8cb8\u6b3e\u6210\u6578\u53ef\u80fd\u8f03\u4fdd\u5b88\u3002<\/strong><\/p>\n<hr>\n<h2>\u9280\u884c\u73fe\u5728\u9084\u9700\u8981\u505a+2%\u6309\u63ed\u58d3\u529b\u6e2c\u8a66\u55ce\uff1f<\/h2>\n<p><strong>\u4e0d\u9700\u8981\u518d\u6309\u7167\u904e\u5f80\u65b9\u5f0f\u9032\u884c+2%\u5229\u7387\u58d3\u529b\u6e2c\u8a66\u3002<\/strong><\/p>\n<p>\u9999\u6e2f\u91d1\u878d\u7ba1\u7406\u5c40\u7531 <strong>2024\u5e742\u670828\u65e5<\/strong> \u8d77\u66ab\u505c\u539f\u6709\u5047\u8a2d\u6309\u63ed\u5229\u7387\u4e0a\u5347200\u500b\u57fa\u9ede\u7684\u58d3\u529b\u6e2c\u8a66\u8981\u6c42\u3002<\/p>\n<p>\u4e0d\u904e\uff0c\u9019\u4e0d\u4ee3\u8868\u9280\u884c\u5b8c\u5168\u4e0d\u5be9\u67e5\u9084\u6b3e\u80fd\u529b\u3002<\/p>\n<p>\u9280\u884c\u4ecd\u6703\u8a55\u4f30\uff1a<\/p>\n<ul>\n<li>\n<p>\u6bcf\u6708\u6536\u5165\uff1b<\/p>\n<\/li>\n<li>\n<p>\u6bcf\u6708\u6309\u63ed\u4f9b\u6b3e\uff1b<\/p>\n<\/li>\n<li>\n<p>\u5176\u4ed6\u79c1\u4eba\u8cb8\u6b3e\u6216\u4fe1\u7528\u5361\u50b5\u52d9\uff1b<\/p>\n<\/li>\n<li>\n<p>\u4f9b\u6b3e\u8207\u5165\u606f\u6bd4\u7387\uff08DSR\uff09\uff1b<\/p>\n<\/li>\n<li>\n<p>\u5de5\u4f5c\u53ca\u6536\u5165\u7a69\u5b9a\u6027\uff1b<\/p>\n<\/li>\n<li>\n<p>\u4fe1\u8cb8\u7d00\u9304\u3002<\/p>\n<\/li>\n<\/ul>\n<p>\u73fe\u884c\u4e00\u822c\u4f4f\u5b85\u6309\u63ed\u7684 DSR \u4e0a\u9650\u70ba <strong>50%<\/strong>.<\/p>\n<p>\u4f8b\u5982\u7533\u8acb\u4eba\u6bcf\u6708\u7a69\u5b9a\u6536\u5165\u70ba HK$60,000\uff0c\u5728\u6c92\u6709\u5176\u4ed6\u91cd\u5927\u50b5\u52d9\u7684\u7c21\u5316\u60c5\u6cc1\u4e0b\uff0c\u9280\u884c\u901a\u5e38\u6703\u4ee5\u76f8\u95dc DSR \u898f\u5247\u8a55\u4f30\u6bcf\u6708\u7e3d\u50b5\u52d9\u4f9b\u6b3e\u6c34\u5e73\u3002<\/p>\n<p>\u5be6\u969b\u8a08\u7b97\u4ecd\u9808\u6309\u9280\u884c\u653f\u7b56\u53ca\u7533\u8acb\u4eba\u7684\u5b8c\u6574\u8ca1\u52d9\u72c0\u6cc1\u800c\u5b9a\u3002<\/p>\n<hr>\n<h2>\u6751\u5c4b\u6309\u63ed\u5982\u4f55\u8a08\u7b97\uff1f500\u842c\u5143\u6751\u5c4b\u4f8b\u5b50<\/h2>\n<p>\u5047\u8a2d\uff1a<\/p>\n<ul>\n<li>\n<p>\u6751\u5c4b\u6210\u4ea4\u50f9\uff1a<strong>HK$5,000,000<\/strong><\/p>\n<\/li>\n<li>\n<p>\u9280\u884c\u4f30\u50f9\uff1a<strong>HK$4,500,000<\/strong><\/p>\n<\/li>\n<\/ul>\n<p>\u5982\u679c\u9280\u884c\u6700\u7d42\u4ee5 HK$4,500,000 \u4f30\u503c\u4f5c\u70ba\u6309\u63ed\u8a08\u7b97\u57fa\u790e\uff0c\u800c\u500b\u6848\u7372\u627970%\u6309\u63ed\uff1a<\/p>\n<p><strong>HK$4,500,000 \u00d7 70% = HK$3,150,000<\/strong><\/p>\n<p>\u5373\u4f7f\u6210\u4ea4\u50f9\u662f500\u842c\u5143\uff0c\u8cb8\u6b3e\u4e5f\u4e0d\u4e00\u5b9a\u6309500\u842c\u5143\u8a08\u7b97\u3002<\/p>\n<p>\u8cb7\u5bb6\u9700\u8981\u81ea\u884c\u8655\u7406\uff1a<\/p>\n<p><strong>HK$5,000,000 \u2212 HK$3,150,000 = HK$1,850,000<\/strong><\/p>\n<p>\u7684\u6a13\u50f9\u5dee\u984d\uff0c\u53e6\u52a0\u5370\u82b1\u7a05\u3001\u5f8b\u5e2b\u8cbb\u53ca\u5176\u4ed6\u4ea4\u6613\u6210\u672c\u3002<\/p>\n<p>\u9019\u6b63\u662f\u6751\u5c4b\u8cb7\u5bb6\u5728\u7c3d\u81e8\u6642\u8cb7\u8ce3\u5408\u7d04\u524d\uff0c\u6700\u597d\u5148\u9032\u884c<strong>\u9280\u884c\u4f30\u50f9\u53ca\u6309\u63ed\u9810\u5148\u8a55\u4f30<\/strong>\u7684\u539f\u56e0\u3002<\/p>\n<h3>\u5982\u679c\u4f30\u50f9\u4e0d\u8db310%\uff0c\u9996\u671f\u6703\u589e\u52a0\u591a\u5c11\uff1f<\/h3>\n<p>\u5047\u8a2d\u6210\u4ea4\u50f9500\u842c\u5143\uff1a<\/p>\n<ul>\n<li>\n<p>\u4f30\u8db3500\u842c\u5143 \u00d7 70% = <strong>350\u842c\u5143\u8cb8\u6b3e<\/strong><\/p>\n<\/li>\n<li>\n<p>\u53ea\u4f30450\u842c\u5143 \u00d7 70% = <strong>315\u842c\u5143\u8cb8\u6b3e<\/strong><\/p>\n<\/li>\n<\/ul>\n<p>\u55ae\u662f\u4f30\u50f9\u76f8\u5dee10%\uff0c\u53ef\u501f\u91d1\u984d\u5df2\u76f8\u5dee\uff1a<\/p>\n<p><strong>HK$350,000<\/strong><\/p>\n<p>\u6240\u4ee5\u6751\u5c4b\u300c\u4f30\u50f9\u4e0d\u8db3\u300d\u5f80\u5f80\u6bd4\u6309\u63ed\u606f\u7387\u76f8\u5dee\u96f6\u9ede\u5e7e\u5398\u66f4\u76f4\u63a5\u5f71\u97ff\u8cb7\u5bb6\u7684\u9996\u671f\u9810\u7b97\u3002<\/p>\n<hr>\n<h2>\u70ba\u751a\u9ebc\u6751\u5c4b\u7d93\u5e38\u4f30\u50f9\u4e0d\u8db3\uff1f<\/h2>\n<p>\u6751\u5c4b\u4f30\u50f9\u8f03\u5bb9\u6613\u51fa\u73fe\u5dee\u7570\uff0c\u4e3b\u8981\u539f\u56e0\u662f\u53ef\u4f9b\u6bd4\u8f03\u7684\u6210\u4ea4\u8cc7\u6599\u8f03\u5c11\uff0c\u800c\u4e14\u6bcf\u9593\u6751\u5c4b\u7684\u6cd5\u5f8b\u53ca\u5be6\u969b\u689d\u4ef6\u5dee\u7570\u53ef\u4ee5\u975e\u5e38\u5927\u3002<\/p>\n<h3>1. \u540c\u5340\u6210\u4ea4\u91cf\u4e0d\u8db3<\/h3>\n<p>\u5927\u578b\u5c4b\u82d1\u53ef\u80fd\u5728\u77ed\u6642\u9593\u5167\u6709\u591a\u5b97\u76f8\u4f3c\u55ae\u4f4d\u6210\u4ea4\uff0c\u4f46\u90e8\u5206\u6751\u843d\u4e00\u5e74\u53ea\u6709\u5c11\u91cf\u4ea4\u6613\u3002<\/p>\n<p>\u7f3a\u4e4f\u8fd1\u671f\u53ef\u6bd4\u8f03\u6210\u4ea4\u6642\uff0c\u4f30\u50f9\u884c\u901a\u5e38\u6703\u63a1\u53d6\u8f03\u5be9\u614e\u7684\u4f30\u503c\u3002<\/p>\n<h3>2. \u5730\u9ede\u53ca\u4ea4\u901a\u5dee\u7570<\/h3>\n<p>\u5373\u4f7f\u5169\u500b\u6751\u843d\u76f4\u7dda\u8ddd\u96e2\u5f88\u8fd1\uff0c\u662f\u5426\u6709\u8eca\u8def\u76f4\u9054\u3001\u6b65\u884c\u8ddd\u96e2\u3001\u516c\u5171\u4ea4\u901a\u3001\u6cca\u8eca\u60c5\u6cc1\u53ca\u9644\u8fd1\u57fa\u5efa\uff0c\u90fd\u53ef\u80fd\u76f4\u63a5\u5f71\u97ff\u4f30\u503c\u3002<\/p>\n<h3>3. \u8def\u6b0a\u554f\u984c<\/h3>\n<p>\u6709\u4e9b\u6751\u5c4b\u53ea\u80fd\u7d93\u904e\u79c1\u4eba\u571f\u5730\u6216\u79c1\u4eba\u9053\u8def\u51fa\u5165\u3002<\/p>\n<p>\u5982\u679c\u6cd5\u5f8b\u6587\u4ef6\u672a\u80fd\u6e05\u695a\u8b49\u660e\u7269\u696d\u4eab\u6709\u5408\u6cd5\u51fa\u5165\u6b0a\uff08Right of Way\uff09\uff0c\u9280\u884c\u53ef\u80fd\u64d4\u5fc3\u65e5\u5f8c\u51fa\u552e\u62b5\u62bc\u7269\u6642\u51fa\u73fe\u722d\u8b70\u3002<\/p>\n<h3>4. \u50ed\u5efa\u6216\u9055\u5951<\/h3>\n<p>\u5e38\u898b\u60c5\u6cc1\u5305\u62ec\uff1a<\/p>\n<ul>\n<li>\n<p>\u5929\u53f0\u5c4b\uff1b<\/p>\n<\/li>\n<li>\n<p>\u570d\u5c01\u9732\u53f0\uff1b<\/p>\n<\/li>\n<li>\n<p>\u984d\u5916\u642d\u5efa\u7269\uff1b<\/p>\n<\/li>\n<li>\n<p>\u672a\u7d93\u6279\u51c6\u6539\u52d5\uff1b<\/p>\n<\/li>\n<li>\n<p>\u56db\u5c64\u6216\u4ee5\u4e0a\u7d50\u69cb\uff1b<\/p>\n<\/li>\n<li>\n<p>\u653f\u5e9c\u6e05\u62c6\u4ee4\u6216\u5176\u4ed6\u8a3b\u518a\u547d\u4ee4\u3002<\/p>\n<\/li>\n<\/ul>\n<p>\u9019\u4e9b\u56e0\u7d20\u90fd\u53ef\u80fd\u5f71\u97ff\u4f30\u50f9\u751a\u81f3\u6309\u63ed\u5be9\u6279\u3002<\/p>\n<h3>5. \u7269\u696d\u6587\u4ef6\u662f\u5426\u5b8c\u6574<\/h3>\n<p>\u9280\u884c\u53ca\u5f8b\u5e2b\u901a\u5e38\u9700\u8981\u78ba\u8a8d\u7269\u696d\u7684\u7522\u6b0a\u548c\u76f8\u95dc\u653f\u5e9c\u6587\u4ef6\u3002<\/p>\n<p>\u500b\u5225\u7269\u696d\u53ef\u80fd\u9700\u8981\u67e5\u770b\uff1a<\/p>\n<ul>\n<li>\n<p>\u571f\u5730\u67e5\u518a\uff1b<\/p>\n<\/li>\n<li>\n<p>Government Lease\uff1b<\/p>\n<\/li>\n<li>\n<p>Building Licence\uff1b<\/p>\n<\/li>\n<li>\n<p>Assignment\uff1b<\/p>\n<\/li>\n<li>\n<p>Certificate of Compliance\uff1b<\/p>\n<\/li>\n<li>\n<p>No Objection to Occupy Letter\uff1b<\/p>\n<\/li>\n<li>\n<p>Modification Letter\uff1b<\/p>\n<\/li>\n<li>\n<p>Consent Letter\uff1b<\/p>\n<\/li>\n<li>\n<p>\u8a8d\u53ef\u5716\u5247\u6216\u5176\u4ed6\u76f8\u95dc\u6587\u4ef6\u3002<\/p>\n<\/li>\n<\/ul>\n<p><strong>\u9700\u8981\u54ea\u4e00\u4efd\u6587\u4ef6\u8981\u8996\u4e4e\u7269\u696d\u672c\u8eab\u7684\u571f\u5730\u53ca\u6279\u5efa\u6b77\u53f2\u800c\u5b9a\uff0c\u4e26\u975e\u6240\u6709\u6751\u5c4b\u90fd\u6709\u5b8c\u5168\u76f8\u540c\u7684\u6587\u4ef6\u7d44\u5408\u3002<\/strong><\/p>\n<hr>\n<h2>\u6751\u5c4b\u6309\u63ed6\u5927\u5e38\u898b\u62d2\u6279\u539f\u56e0<\/h2>\n<h3>1. \u696d\u6b0a\u6216\u8def\u6b0a\u4e0d\u6e05<\/h3>\n<p><strong>\u62d2\u6279\u98a8\u96aa\uff1a\u9ad8<\/strong><\/p>\n<p>\u9280\u884c\u627f\u9020\u6309\u63ed\u7684\u6838\u5fc3\u524d\u63d0\uff0c\u662f\u5c07\u7269\u696d\u4f5c\u70ba\u8cb8\u6b3e\u62b5\u62bc\u54c1\u3002<\/p>\n<p>\u5982\u679c\u65e5\u5f8c\u501f\u6b3e\u4eba\u672a\u80fd\u9084\u6b3e\uff0c\u9280\u884c\u9700\u8981\u78ba\u4fdd\u62b5\u62bc\u7269\u53ef\u4ee5\u5408\u6cd5\u51fa\u552e\u3002<\/p>\n<p>\u56e0\u6b64\u5982\u679c\uff1a<\/p>\n<ul>\n<li>\n<p>\u696d\u6b0a\u6709\u722d\u8b70\uff1b<\/p>\n<\/li>\n<li>\n<p>\u79c1\u5bb6\u8def\u4f7f\u7528\u6b0a\u4e0d\u6e05\uff1b<\/p>\n<\/li>\n<li>\n<p>\u6d89\u53ca\u5171\u6709\u571f\u5730\uff1b<\/p>\n<\/li>\n<li>\n<p>\u571f\u5730\u754c\u7dda\u6709\u554f\u984c\uff1b<\/p>\n<\/li>\n<li>\n<p>\u91cd\u8981\u5951\u7d04\u6587\u4ef6\u7f3a\u5931\uff1b<\/p>\n<\/li>\n<\/ul>\n<p>\u9280\u884c\u53ef\u80fd\u964d\u4f4e\u4f30\u503c\u3001\u964d\u4f4e\u6309\u63ed\u6210\u6578\uff0c\u751a\u81f3\u62d2\u7d55\u63a5\u53d7\u7269\u696d\u4f5c\u70ba\u62b5\u62bc\u3002<\/p>\n<h3>2. \u50ed\u5efa\u3001\u9055\u5951\u6216\u653f\u5e9c\u547d\u4ee4<\/h3>\n<p><strong>\u62d2\u6279\u98a8\u96aa\uff1a\u9ad8<\/strong><\/p>\n<p>\u6751\u5c4b\u5e38\u898b\u7684\u5929\u53f0\u642d\u5efa\u3001\u64f4\u5efa\u3001\u570d\u5c01\u9732\u53f0\u7b49\u5de5\u7a0b\uff0c\u5982\u679c\u4e0d\u7b26\u5408\u76f8\u95dc\u8c41\u514d\u6216\u6cd5\u4f8b\u8981\u6c42\uff0c\u53ef\u80fd\u69cb\u6210\u50ed\u5efa\u7269\u3002<\/p>\n<p>\u4e26\u975e\u6240\u6709\u50ed\u5efa\u60c5\u6cc1\u90fd\u6703\u7522\u751f\u5b8c\u5168\u76f8\u540c\u7684\u6309\u63ed\u7d50\u679c\uff0c\u4f46\u5982\u679c\u6d89\u53ca\u56b4\u91cd\u9055\u898f\u3001\u6e05\u62c6\u4ee4\u3001\u91d8\u5951\u6216\u91cd\u5927\u7d50\u69cb\u554f\u984c\uff0c\u9280\u884c\u5be9\u6279\u96e3\u5ea6\u901a\u5e38\u6703\u660e\u986f\u63d0\u9ad8\u3002<\/p>\n<h3>3. \u5408\u898f\u53ca\u7522\u6b0a\u6587\u4ef6\u4e0d\u5b8c\u6574<\/h3>\n<p><strong>\u62d2\u6279\u98a8\u96aa\uff1a\u4e2d\u81f3\u9ad8<\/strong><\/p>\n<p>\u90e8\u5206\u6751\u5c4b\u7f3a\u4e4f\u9280\u884c\u6216\u5f8b\u5e2b\u9700\u8981\u7684\u6279\u5efa\u3001\u4f54\u7528\u6216\u5408\u898f\u6587\u4ef6\u3002<\/p>\n<p>\u503c\u5f97\u6ce8\u610f\u7684\u662f\uff0c<strong>\u4e26\u4e0d\u662f\u6240\u6709\u6751\u5c4b\u90fd\u4e00\u5b9a\u6703\u6709 Certificate of Compliance\uff08\u6eff\u610f\u7d19\uff09<\/strong>.<\/p>\n<p>\u4f8b\u5982\u67d0\u4e9b\u5728 Block Lease \u571f\u5730\u4e0a\u7684\u6751\u5c4b\uff0c\u53ef\u80fd\u63a1\u7528\u5176\u4ed6\u76f8\u95dc\u6587\u4ef6\u8b49\u660e\u5408\u6cd5\u4f54\u7528\u3002<\/p>\n<p>\u56e0\u6b64\u8cb7\u5bb6\u61c9\u7531\u5f8b\u5e2b\u6309\u7167\u8a72\u7269\u696d\u7684\u571f\u5730\u80cc\u666f\u78ba\u8a8d\u7a76\u7adf\u9700\u8981\u54ea\u4e9b\u6587\u4ef6\uff0c\u800c\u4e0d\u662f\u53ea\u6aa2\u67e5\u6709\u6c92\u6709\u300c\u6eff\u610f\u7d19\u300d\u4e09\u500b\u5b57\u3002<\/p>\n<h3>4. \u9280\u884c\u4f30\u50f9\u4e0d\u8db3<\/h3>\n<p><strong>\u62d2\u6279\u98a8\u96aa\uff1a\u4e2d<\/strong><\/p>\n<p>\u4f30\u50f9\u4e0d\u8db3\u672c\u8eab\u4e0d\u4e00\u5b9a\u4ee3\u8868\u9280\u884c\u5b8c\u5168\u62d2\u7d55\u8cb8\u6b3e\uff0c\u4f46\u6703\u4ee4\u5be6\u969b\u53ef\u501f\u91d1\u984d\u4e0b\u964d\u3002<\/p>\n<p>\u4f8b\u5982500\u842c\u5143\u6210\u4ea4\u50f9\u53ea\u4f30450\u842c\u5143\uff0c\u5373\u4f7f\u6309\u63ed\u6bd4\u4f8b\u4e0d\u8b8a\uff0c\u8cb7\u5bb6\u4ecd\u9700\u8981\u984d\u5916\u6e96\u5099\u66f4\u591a\u9996\u671f\u3002<\/p>\n<h3>5. \u5e02\u5834\u6d41\u901a\u91cf\u8f03\u4f4e<\/h3>\n<p><strong>\u62d2\u6279\u98a8\u96aa\uff1a\u4e2d<\/strong><\/p>\n<p>\u9280\u884c\u6703\u8003\u616e\u62b5\u62bc\u7269\u65e5\u5f8c\u662f\u5426\u5bb9\u6613\u51fa\u552e\u3002<\/p>\n<p>\u5982\u679c\u7269\u696d\u4f4d\u8655\u4ea4\u901a\u4e0d\u4fbf\u5730\u5340\u3001\u6210\u4ea4\u6975\u5c11\u3001\u53ea\u80fd\u6b65\u884c\u5230\u9054\u6216\u5c6c\u975e\u5e38\u7279\u6b8a\u7684\u5efa\u7bc9\u5f62\u5f0f\uff0c\u4f30\u50f9\u53ca\u6309\u63ed\u689d\u4ef6\u53ef\u80fd\u8f03\u4fdd\u5b88\u3002<\/p>\n<h3>6. \u7533\u8acb\u4eba\u7684\u5165\u606f\u3001DSR\u6216\u4fe1\u8cb8\u672a\u9054\u9280\u884c\u8981\u6c42<\/h3>\n<p><strong>\u62d2\u6279\u98a8\u96aa\uff1a\u8996\u500b\u6848\u800c\u5b9a<\/strong><\/p>\n<p>\u5373\u4f7f\u6751\u5c4b\u672c\u8eab\u6c92\u6709\u554f\u984c\uff0c\u9280\u884c\u4ecd\u7136\u9700\u8981\u5be9\u67e5\u501f\u6b3e\u4eba\u3002<\/p>\n<p>For example:<\/p>\n<ul>\n<li>\n<p>\u81ea\u50f1\u6536\u5165\u6ce2\u52d5\uff1b<\/p>\n<\/li>\n<li>\n<p>\u7f3a\u4e4f\u8db3\u5920\u5165\u606f\u8b49\u660e\uff1b<\/p>\n<\/li>\n<li>\n<p>\u4fe1\u8cb8\u7d00\u9304\u8f03\u5f31\uff1b<\/p>\n<\/li>\n<li>\n<p>\u5df2\u6709\u591a\u7b46\u79c1\u4eba\u8cb8\u6b3e\uff1b<\/p>\n<\/li>\n<li>\n<p>\u6bcf\u6708\u4f9b\u6b3e\u76f8\u5c0d\u6536\u5165\u904e\u9ad8\uff1b<\/p>\n<\/li>\n<\/ul>\n<p>\u90fd\u53ef\u80fd\u5f71\u97ff\u6700\u7d42\u6279\u6838\u3002<\/p>\n<hr>\n<h2>\u4e01\u5c4b\u6309\u63ed\u8207\u666e\u901a\u6751\u5c4b\u6309\u63ed\u6709\u751a\u9ebc\u5206\u5225\uff1f<\/h2>\n<p>\u6700\u5927\u7684\u5206\u5225\u4e4b\u4e00\u662f<strong>\u4e01\u5c4b\u53ef\u80fd\u6d89\u53ca\u5c0f\u578b\u5c4b\u5b87\u6279\u5730\u689d\u4ef6\u53ca\u8f49\u8b93\u9650\u5236<\/strong>.<\/p>\n<p>\u6839\u64da\u5730\u653f\u7e3d\u7f72\u8cc7\u6599\uff0c\u90e8\u5206\u4ee5\u65b0\u754c\u5c0f\u578b\u5c4b\u5b87\u653f\u7b56\u6279\u51fa\u7684\u571f\u5730\uff0c\u5176 Land Grant \u6216 Building Licence \u53ef\u80fd\u9650\u5236\u51fa\u552e\u6216\u5176\u4ed6\u5f62\u5f0f\u7684\u8655\u7f6e\u3002<\/p>\n<p>\u5728\u67d0\u4e9b\u60c5\u6cc1\u4e0b\uff0c\u696d\u4e3b\u9700\u8981\uff1a<\/p>\n<ul>\n<li>\n<p>\u5411\u653f\u5e9c\u7533\u8acb\u89e3\u9664\u9650\u5236\uff1b<\/p>\n<\/li>\n<li>\n<p>\u53d6\u5f97 Consent Letter \u6216 Modification Letter\uff1b<\/p>\n<\/li>\n<li>\n<p>\u53ca\uff0f\u6216\u7e73\u4ed8\u653f\u5e9c\u91d0\u5b9a\u7684\u88dc\u5730\u50f9\u3002<\/p>\n<\/li>\n<\/ul>\n<p>\u56e0\u6b64\u8cb7\u5165\u4e01\u5c4b\u524d\uff0c\u6700\u91cd\u8981\u7684\u4e0d\u662f\u55ae\u7d14\u554f\u300c\u9019\u9593\u5c4b\u6709\u6c92\u6709\u6eff5\u5e74\u300d\uff0c\u800c\u662f\u8981\u6c42\u5f8b\u5e2b\u6aa2\u67e5<strong>\u9019\u4e00\u9593\u4e01\u5c4b\u5be6\u969b\u767b\u8a18\u7684\u571f\u5730\u6587\u4ef6\u53ca\u8f49\u8b93\u9650\u5236<\/strong>.<\/p>\n<hr>\n<h2>\u4e01\u5c4b\u6eff5\u5e74\u662f\u5426\u4e00\u5b9a\u4e0d\u7528\u88dc\u5730\u50f9\uff1f<\/h2>\n<p><strong>\u4e0d\u662f\u3002<\/strong><\/p>\n<p>\u300c\u4e01\u5c4b\u6eff5\u5e74\u4fbf\u4e00\u5b9a\u53ef\u4ee5\u81ea\u7531\u51fa\u552e\u3001\u4e0d\u9700\u8981\u88dc\u5730\u50f9\u300d\u662f\u4e00\u500b\u904e\u5ea6\u7c21\u5316\u7684\u8aaa\u6cd5\u3002<\/p>\n<p>\u662f\u5426\u9700\u8981\u88dc\u5730\u50f9\u6216\u53d6\u5f97\u653f\u5e9c\u540c\u610f\uff0c\u9808\u8996\u4e4e\uff1a<\/p>\n<ul>\n<li>\n<p>\u539f\u6709 Land Grant\uff1b<\/p>\n<\/li>\n<li>\n<p>Building Licence\uff1b<\/p>\n<\/li>\n<li>\n<p>\u76f8\u95dc\u8f49\u8b93\u9650\u5236\uff1b<\/p>\n<\/li>\n<li>\n<p>\u5730\u653f\u7e3d\u7f72\u5176\u5f8c\u6709\u5426\u767c\u51fa Consent Letter\uff1b<\/p>\n<\/li>\n<li>\n<p>\u6709\u5426 Modification Letter\uff1b<\/p>\n<\/li>\n<li>\n<p>\u571f\u5730\u8a3b\u518a\u8655\u6240\u767b\u8a18\u7684\u6587\u4ef6\u3002<\/p>\n<\/li>\n<\/ul>\n<p>\u56e0\u6b64\uff0c\u8cb7\u5bb6\u5728\u7c3d\u6b63\u5f0f\u8cb7\u8ce3\u5408\u7d04\u524d\uff0c\u61c9\u7531\u7269\u696d\u5f8b\u5e2b\u78ba\u8a8d\u9650\u5236\u662f\u5426\u5df2\u89e3\u9664\u3002<\/p>\n<hr>\n<h2>Certificate of Compliance\uff08\u6eff\u610f\u7d19\uff09\u5c0d\u6751\u5c4b\u6309\u63ed\u91cd\u8981\u55ce\uff1f<\/h2>\n<p>\u5c0d\u90e8\u5206\u4e01\u5c4b\u53ca\u6751\u5c4b\u800c\u8a00\u975e\u5e38\u91cd\u8981\uff0c\u4f46\u4e0d\u80fd\u7c21\u55ae\u7406\u89e3\u6210\u300c\u6c92\u6709\u6eff\u610f\u7d19\u5c31\u4e00\u5b9a\u4e0d\u80fd\u505a\u6309\u63ed\u300d\u3002<\/p>\n<p>Certificate of Compliance \u662f\u5730\u653f\u7e3d\u7f72\u5728\u78ba\u8a8d\u76f8\u95dc\u767c\u5c55\u7b26\u5408\u6279\u5730\u6216 Building Licence \u689d\u4ef6\u5f8c\uff0c\u53ef\u4ee5\u767c\u51fa\u7684\u5408\u898f\u6587\u4ef6\u3002<\/p>\n<p>\u4e0d\u904e\uff0c\u4e0d\u540c\u571f\u5730\u80cc\u666f\u7684\u6751\u5c4b\u6240\u9700\u6587\u4ef6\u4e26\u4e0d\u5b8c\u5168\u76f8\u540c\u3002<\/p>\n<p>\u4f8b\u5982\u90e8\u5206 Block Lease \u571f\u5730\u4e0a\u7684\u6751\u5c4b\u672a\u5fc5\u6703\u7372\u767c Certificate of Compliance\uff0c\u800c\u53ef\u80fd\u6d89\u53ca\u5176\u4ed6\u4f54\u7528\u6216\u5408\u898f\u6587\u4ef6\u3002<\/p>\n<p>\u56e0\u6b64\u6700\u5b89\u5168\u7684\u505a\u6cd5\u662f\uff1a<\/p>\n<p><strong>\u7531\u5f8b\u5e2b\u6839\u64da\u571f\u5730\u67e5\u518a\u548c\u5730\u5951\u78ba\u8a8d\u8a72\u7269\u696d\u61c9\u8a72\u5177\u5099\u751a\u9ebc\u6587\u4ef6\u3002<\/strong><\/p>\n<hr>\n<h2>\u300c\u5957\u4e01\u300d\u6703\u5426\u5f71\u97ff\u4e01\u5c4b\u6309\u63ed\uff1f<\/h2>\n<p>\u53ef\u80fd\u6703\uff0c\u800c\u4e14\u5c6c\u65bc\u9700\u8981\u9ad8\u5ea6\u91cd\u8996\u7684\u6cd5\u5f8b\u53ca\u7522\u6b0a\u98a8\u96aa\u3002<\/p>\n<p>\u300c\u5957\u4e01\u300d\u4e00\u822c\u662f\u5e02\u5834\u5c0d\u67d0\u4e9b\u7531\u975e\u539f\u5c45\u6c11\u5b89\u6392\u6216\u8cc7\u52a9\u539f\u5c45\u6c11\u5229\u7528\u4e01\u6b0a\u767c\u5c55\u7269\u696d\u7684\u4ea4\u6613\u6a21\u5f0f\u4e4b\u7a31\u3002<\/p>\n<p>\u5982\u679c\u4ea4\u6613\u5b89\u6392\u6d89\u53ca\u865b\u5047\u9673\u8ff0\u3001\u9055\u53cd\u6279\u5730\u689d\u4ef6\u6216\u5176\u4ed6\u6cd5\u5f8b\u554f\u984c\uff0c\u53ef\u80fd\u4ee4\u7269\u696d\u7684\u7522\u6b0a\u3001\u8f49\u8b93\u548c\u9280\u884c\u6309\u63ed\u7522\u751f\u91cd\u5927\u4e0d\u78ba\u5b9a\u6027\u3002<\/p>\n<p>\u8cb7\u5bb6\u4e0d\u61c9\u55ae\u6191\u4ee3\u7406\u6216\u8ce3\u65b9\u8072\u7a31\u300c\u6c92\u6709\u554f\u984c\u300d\u4f5c\u6c7a\u5b9a\u3002<\/p>\n<p>\u8f03\u5b89\u5168\u7684\u67e5\u8b49\u65b9\u6cd5\u5305\u62ec\uff1a<\/p>\n<ol>\n<li>\n<p>\u59d4\u8a17\u7368\u7acb\u7269\u696d\u5f8b\u5e2b\uff1b<\/p>\n<\/li>\n<li>\n<p>\u9032\u884c\u571f\u5730\u67e5\u518a\uff1b<\/p>\n<\/li>\n<li>\n<p>\u67e5\u770b\u539f\u6709 Land Grant \u6216 Building Licence\uff1b<\/p>\n<\/li>\n<li>\n<p>\u6838\u5c0d\u8f49\u8b93\u9650\u5236\uff1b<\/p>\n<\/li>\n<li>\n<p>\u67e5\u770b Consent Letter\uff0fModification Letter\uff1b<\/p>\n<\/li>\n<li>\n<p>\u5982\u7269\u696d\u6709\u5efa\u7bc9\u7591\u554f\uff0c\u518d\u7531\u6e2c\u91cf\u5e2b\u6216\u5176\u4ed6\u5408\u8cc7\u683c\u5c08\u696d\u4eba\u58eb\u6aa2\u67e5\u3002<\/p>\n<\/li>\n<\/ol>\n<hr>\n<h2>\u9280\u884c vs \u8ca1\u52d9\u516c\u53f8\uff1a\u6751\u5c4b\u6309\u63ed\u6709\u751a\u9ebc\u5206\u5225\uff1f<\/h2>\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>Comparison Item<\/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>Traditional Banks<\/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>\u8ca1\u52d9\u516c\u53f8\uff0f\u74b0\u7403\u4fe1\u8cb8\uff08GICL\uff09<\/p>\n<\/th>\n<\/tr>\n<tr>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u4e3b\u8981\u5be9\u6279\u56e0\u7d20<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u7269\u696d\u4f30\u50f9\u3001\u696d\u6b0a\u3001\u5165\u606f\u3001DSR\u3001\u4fe1\u8cb8<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u7269\u696d\u4f30\u503c\u53ca\u6574\u9ad4\u500b\u6848\u98a8\u96aa<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u4e00\u822c\u4f4f\u5b85\u76e3\u7ba1LTV\u4e0a\u9650<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u6700\u9ad870%\uff0c\u5408\u8cc7\u683c\u6309\u4fdd\u500b\u6848\u53e6\u8a08<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u6309\u8cb8\u6b3e\u6a5f\u69cb\u7522\u54c1\u53ca\u500b\u6848\u5be9\u6279<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>GICL\u7269\u696d\u4e00\u6309<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u2014<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u6700\u9ad8\u53ef\u9054\u7269\u696d\u4f30\u503c80%<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>Income Proof<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u4e00\u822c\u9700\u8981<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>GICL\u90e8\u5206\u7269\u696d\u6309\u63ed\u65b9\u6848\u53ef\u514d\u50b3\u7d71\u5165\u606f\u8b49\u660e<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>+2%\u76e3\u7ba1\u58d3\u529b\u6e2c\u8a66<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>2024\u5e742\u6708\u8d77\u5df2\u66ab\u505c<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u4e0d\u9069\u7528\u9280\u884c\u540c\u4e00\u76e3\u7ba1\u6846\u67b6<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>Approval Speed<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u8996\u9280\u884c\u53ca\u500b\u6848\u800c\u5b9a<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>GICL\u6700\u5feb15\u5206\u9418\u521d\u6b65\u5be9\u6279\uff0c\u6700\u5feb24\u5c0f\u6642\u5b89\u6392\u653e\u6b3e*<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u6751\u5c4b\u63a5\u53d7\u7a0b\u5ea6<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u8996\u9280\u884c\u3001\u4f30\u50f9\u53ca\u7522\u6b0a<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>GICL\u63a5\u53d7\u6751\u5c4b\u4f5c\u70ba\u62b5\u62bc\u7269\u696d\u985e\u578b<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u5229\u7387<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>Generally low<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u4e00\u822c\u9ad8\u65bc\u9280\u884c\uff0c\u61c9\u6bd4\u8f03\u5be6\u969b\u5e74\u5229\u7387\u53ca\u7e3d\u501f\u8cb8\u6210\u672c<\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>*\u5be6\u969b\u6279\u6838\u3001\u8cb8\u6b3e\u984d\u3001\u5229\u7387\u53ca\u653e\u6b3e\u6642\u9593\u8996\u4e4e\u500b\u5225\u7269\u696d\u4f30\u50f9\u3001\u6587\u4ef6\u53ca\u4fe1\u8cb8\u5be9\u6279\u7d50\u679c\u3002<\/p>\n<h3>\u9280\u884c\u62d2\u6279\u5f8c\uff0c\u8ca1\u52d9\u516c\u53f8\u662f\u5426\u4e00\u5b9a\u53ef\u4ee5\u6279\uff1f<\/h3>\n<p><strong>\u4e0d\u662f\u3002<\/strong><\/p>\n<p>\u8ca1\u52d9\u516c\u53f8\u7684\u5be9\u6279\u65b9\u5f0f\u53ef\u80fd\u6bd4\u9280\u884c\u9748\u6d3b\uff0c\u4f46\u4ecd\u9700\u8981\u8a55\u4f30\uff1a<\/p>\n<ul>\n<li>\n<p>\u7269\u696d\u662f\u5426\u5177\u6709\u53ef\u63a5\u53d7\u7684\u62b5\u62bc\u50f9\u503c\uff1b<\/p>\n<\/li>\n<li>\n<p>\u7522\u6b0a\u662f\u5426\u6e05\u6670\uff1b<\/p>\n<\/li>\n<li>\n<p>Existing mortgage balance;<\/p>\n<\/li>\n<li>\n<p>Property Valuation<\/p>\n<\/li>\n<li>\n<p>Loan amount required<\/p>\n<\/li>\n<li>\n<p>\u6cd5\u5f8b\u6587\u4ef6\uff1b<\/p>\n<\/li>\n<li>\n<p>\u500b\u6848\u6574\u9ad4\u98a8\u96aa\u3002<\/p>\n<\/li>\n<\/ul>\n<p>\u5982\u679c\u9280\u884c\u62d2\u6279\u7684\u539f\u56e0\u5c6c\u65bc\u56b4\u91cd\u7522\u6b0a\u6216\u6cd5\u5f8b\u554f\u984c\uff0c\u8f49\u5230\u53e6\u4e00\u9593\u8cb8\u6b3e\u6a5f\u69cb\u4ea6\u4e0d\u4ee3\u8868\u554f\u984c\u81ea\u7136\u6d88\u5931\u3002<\/p>\n<hr>\n<h2>GICL\u6751\u5c4b\u6309\u63ed\u9069\u5408\u751a\u9ebc\u60c5\u6cc1\uff1f<\/h2>\n<p>\u5982\u679c\u9280\u884c\u672a\u80fd\u63d0\u4f9b\u8db3\u5920\u6309\u63ed\u984d\uff0c\u6216\u7533\u8acb\u4eba\u5c6c\u65bc\u8f03\u96e3\u63d0\u4f9b\u50b3\u7d71\u5165\u606f\u6587\u4ef6\u7684\u500b\u6848\uff0c\u53ef\u4ee5\u6bd4\u8f03\u9280\u884c\u53ca\u6301\u724c\u8ca1\u52d9\u516c\u53f8\u7684\u4e0d\u540c\u65b9\u6848\u3002<\/p>\n<p>GICL\u7269\u696d\u4e00\u6309\u670d\u52d9\u63a5\u53d7\u5305\u62ec\uff1a<\/p>\n<ul>\n<li>\n<p>Private residential units<\/p>\n<\/li>\n<li>\n<p>Traditional walk-up tenement buildings<\/p>\n<\/li>\n<li>\n<p>\u5df2\u88dc\u5730\u50f9\u5c45\u5c4b\uff0f\u516c\u5c4b\uff1b<\/p>\n<\/li>\n<li>\n<p><strong>\u6751\u5c4b<\/strong>\uff1b<\/p>\n<\/li>\n<li>\n<p>\u5de5\u5ec8\uff1b<\/p>\n<\/li>\n<li>\n<p>Shops and retail outlets<\/p>\n<\/li>\n<li>\n<p>Commercial offices<\/p>\n<\/li>\n<li>\n<p>\u8eca\u4f4d\u53ca\u5176\u4ed6\u5408\u8cc7\u683c\u7269\u696d\u3002<\/p>\n<\/li>\n<\/ul>\n<p>GICL\u7269\u696d\u4e00\u6309\u8cb8\u6b3e\u984d<strong>\u6700\u9ad8\u53ef\u9054\u7269\u696d\u4f30\u503c80%<\/strong>\uff0c\u4e26\u63d0\u4f9b\u514d\u50b3\u7d71\u5165\u606f\u8b49\u660e\u7684\u5be9\u6279\u65b9\u5f0f\u3002<\/p>\n<p>\u5be6\u969b\u8cb8\u6b3e\u984d\u3001\u606f\u7387\u53ca\u689d\u4ef6\u9808\u6309\u500b\u5225\u4f30\u50f9\u53ca\u5be9\u6279\u7d50\u679c\u6c7a\u5b9a\u3002<\/p>\n<p>\u5c0d\u65bc\u6025\u9700\u8cc7\u91d1\u7684\u501f\u6b3e\u4eba\uff0c\u9664\u4e86\u6bd4\u8f03\u300c\u53ef\u4ee5\u501f\u591a\u5c11\u300d\uff0c\u4ea6\u61c9\u540c\u6642\u6bd4\u8f03\uff1a<\/p>\n<ul>\n<li>\n<p>\u5be6\u969b\u5e74\u5229\u7387\uff08APR\uff09\uff1b<\/p>\n<\/li>\n<li>\n<p>Monthly installment;<\/p>\n<\/li>\n<li>\n<p>\u7e3d\u5229\u606f\u652f\u51fa\uff1b<\/p>\n<\/li>\n<li>\n<p>\u9084\u6b3e\u671f\uff1b<\/p>\n<\/li>\n<li>\n<p>\u5f8b\u5e2b\u8cbb\u53ca\u5176\u4ed6\u8cbb\u7528\uff1b<\/p>\n<\/li>\n<li>\n<p>\u63d0\u65e9\u9084\u6b3e\u689d\u6b3e\uff1b<\/p>\n<\/li>\n<li>\n<p>\u9055\u7d04\u6210\u672c\u3002<\/p>\n<\/li>\n<\/ul>\n<hr>\n<h2>\u6751\u5c4b\u4f30\u50f9\u4e0d\u8db3\u600e\u9ebc\u8fa6\uff1f5\u500b\u8655\u7406\u65b9\u6cd5<\/h2>\n<h3>1. \u7c3d\u7d04\u524d\u5148\u505a\u4f30\u50f9<\/h3>\n<p>\u4e0d\u8981\u5728\u7c3d\u7f72\u81e8\u6642\u8cb7\u8ce3\u5408\u7d04\u5f8c\u624d\u7b2c\u4e00\u6b21\u554f\u9280\u884c\u4f30\u50f9\u3002<\/p>\n<p>\u6700\u597d\u5728\u843d\u8a02\u524d\u5148\u5411\u591a\u9593\u9280\u884c\u6216\u6309\u63ed\u6a5f\u69cb\u9032\u884c\u521d\u6b65\u4f30\u50f9\u3002<\/p>\n<h3>2. \u6bd4\u8f03\u4e0d\u540c\u9280\u884c\u4f30\u50f9<\/h3>\n<p>\u4e0d\u540c\u9280\u884c\u63a1\u7528\u7684\u4f30\u50f9\u884c\u53ca\u5167\u90e8\u98a8\u96aa\u653f\u7b56\u4e0d\u540c\uff0c\u540c\u4e00\u9593\u6751\u5c4b\u53ef\u80fd\u51fa\u73fe\u4e0d\u540c\u4f30\u503c\u3002<\/p>\n<h3>3. \u6e96\u5099\u5b8c\u6574\u7269\u696d\u8cc7\u6599<\/h3>\n<p>\u5411\u9280\u884c\u63d0\u4f9b\u5b8c\u6574\u5730\u5740\u3001\u6a13\u5c64\u3001\u9762\u7a4d\u3001\u571f\u5730\u8cc7\u6599\u53ca\u76f8\u95dc\u6587\u4ef6\uff0c\u6709\u52a9\u4f30\u50f9\u884c\u8b58\u5225\u6b63\u78ba\u7269\u696d\u3002<\/p>\n<h3>4. \u9810\u7559\u984d\u5916\u9996\u671f<\/h3>\n<p>\u5982\u679c\u6751\u5c4b\u6210\u4ea4\u91cf\u5c11\uff0c\u4e0d\u61c9\u5047\u8a2d\u9280\u884c\u4e00\u5b9a\u4f30\u8db3\u6210\u4ea4\u50f9\u3002<\/p>\n<h3>5. \u7c3d\u7d04\u524d\u505a\u6309\u63ed\u9810\u5148\u8a55\u4f30<\/h3>\n<p>\u9664\u4e86\u4f30\u50f9\uff0c\u4ea6\u61c9\u540c\u6b65\u8a55\u4f30\u7533\u8acb\u4eba\u7684\u5165\u606f\u3001\u8ca0\u50b5\u53ca\u4fe1\u8cb8\u689d\u4ef6\uff0c\u907f\u514d\u51fa\u73fe\u300c\u7269\u696d\u4f30\u8db3\uff0c\u4f46\u501f\u6b3e\u4eba\u4e0d\u7b26\u5408\u9280\u884c\u8981\u6c42\u300d\u7684\u60c5\u6cc1\u3002<\/p>\n<hr>\n<h1>\u6751\u5c4b\u6309\u63ed FAQ<\/h1>\n<h2>\u6751\u5c4b\u6309\u63ed\u6700\u9ad8\u53ef\u4ee5\u505a\u5230\u5e7e\u591a\u6210\uff1f<\/h2>\n<p>\u4e00\u822c\u4f4f\u5b85\u7269\u696d\u7684\u9280\u884c\u6309\u63ed\u76e3\u7ba1\u4e0a\u9650\u76ee\u524d\u70ba70%\u3002\u7b26\u5408\u8cc7\u683c\u7684\u5df2\u843d\u6210\u6751\u5c4b\u53ef\u4ee5\u7533\u8acb\u6309\u63ed\u4fdd\u96aa\uff0c\u90e8\u5206\u5408\u8cc7\u683c\u500b\u6848\u6700\u9ad8\u53ef\u905480%\u3002\u5be6\u969b\u6210\u6578\u4ecd\u53d6\u6c7a\u65bc\u7269\u696d\u4f30\u50f9\u3001\u696d\u6b0a\u3001\u7533\u8acb\u4eba\u8ca1\u52d9\u72c0\u6cc1\u53ca\u9280\u884c\u6216\u6309\u4fdd\u516c\u53f8\u7684\u5be9\u6279\u3002<\/p>\n<h2>\u6751\u5c4b\u6309\u63ed\u9700\u8981\u58d3\u529b\u6e2c\u8a66\u55ce\uff1f<\/h2>\n<p>\u9999\u6e2f\u91d1\u878d\u7ba1\u7406\u5c40\u5df2\u65bc2024\u5e742\u670828\u65e5\u8d77\u66ab\u505c\u904e\u5f80\u5047\u8a2d\u6309\u63ed\u5229\u7387\u4e0a\u53472%\u7684\u76e3\u7ba1\u58d3\u529b\u6e2c\u8a66\u8981\u6c42\u3002\u4e0d\u904e\u9280\u884c\u4ecd\u6703\u5be9\u67e5\u4f9b\u6b3e\u8207\u5165\u606f\u6bd4\u7387\u3001\u5165\u606f\u8b49\u660e\u3001\u5176\u4ed6\u50b5\u52d9\u53ca\u4fe1\u8cb8\u7d00\u9304\u3002<\/p>\n<h2>\u6751\u5c4b\u6309\u63ed\u6700\u9577\u53ef\u4ee5\u4f9b\u591a\u5c11\u5e74\uff1f<\/h2>\n<p>\u9999\u6e2f\u4e26\u6c92\u6709\u4e00\u500b\u9069\u7528\u65bc\u6240\u6709\u6751\u5c4b\u7684\u7d71\u4e00\u6700\u9577\u9084\u6b3e\u5e74\u671f\u3002\u9280\u884c\u6703\u6839\u64da\u7269\u696d\u6a13\u9f61\u3001\u4f30\u50f9\u3001\u7533\u8acb\u4eba\u5e74\u9f61\u53ca\u81ea\u8eab\u4fe1\u8cb8\u653f\u7b56\u6c7a\u5b9a\u5e74\u671f\u3002\u90e8\u5206\u4f4f\u5b85\u6309\u63ed\u53ef\u63d0\u4f9b\u8f03\u9577\u9084\u6b3e\u671f\uff0c\u4f46\u9ad8\u6a13\u9f61\u6216\u7279\u6b8a\u6751\u5c4b\u7684\u5be6\u969b\u5e74\u671f\u53ef\u80fd\u8f03\u77ed\u3002<\/p>\n<h2>\u6751\u5c4b\u6a13\u82b1\u53ef\u4ee5\u7533\u8acb\u6309\u63ed\u55ce\uff1f<\/h2>\n<p>\u8208\u5efa\u4e2d\u6751\u5c4b\u7684\u878d\u8cc7\u9078\u64c7\u901a\u5e38\u6bd4\u5df2\u843d\u6210\u6751\u5c4b\u5c11\u3002\u6309\u63ed\u4fdd\u96aa\u53ca\u4e00\u822c\u4f4f\u5b85\u9280\u884c\u6309\u63ed\u6703\u5c0d\u7269\u696d\u662f\u5426\u843d\u6210\u3001\u7522\u6b0a\u53ca\u76f8\u95dc\u6587\u4ef6\u6709\u5177\u9ad4\u8981\u6c42\uff0c\u56e0\u6b64\u8cb7\u5165\u8208\u5efa\u4e2d\u6751\u5c4b\u524d\u61c9\u5148\u53d6\u5f97\u9280\u884c\u6216\u5c08\u696d\u6309\u63ed\u9867\u554f\u78ba\u8a8d\uff0c\u4e0d\u61c9\u5047\u8a2d\u843d\u6210\u5f8c\u5fc5\u5b9a\u53ef\u4ee5\u53d6\u5f97\u539f\u5148\u9810\u671f\u7684\u8cb8\u6b3e\u984d\u3002<\/p>\n<h2>\u54ea\u4e00\u985e\u6751\u5c4b\u8f03\u5bb9\u6613\u53d6\u5f97\u9280\u884c\u6309\u63ed\uff1f<\/h2>\n<p>\u4e00\u822c\u800c\u8a00\uff0c\u696d\u6b0a\u6e05\u6670\u3001\u8def\u6b0a\u5b8c\u6574\u3001\u6c92\u6709\u91cd\u5927\u50ed\u5efa\u6216\u653f\u5e9c\u547d\u4ee4\u3001\u6587\u4ef6\u9f4a\u5168\u3001\u4ea4\u901a\u65b9\u4fbf\u53ca\u9644\u8fd1\u6709\u8db3\u5920\u6210\u4ea4\u7d00\u9304\u7684\u6751\u5c4b\uff0c\u8f03\u5bb9\u6613\u53d6\u5f97\u9280\u884c\u4f30\u50f9\u53ca\u6309\u63ed\u3002<\/p>\n<h2>\u4e01\u5c4b\u6eff5\u5e74\u662f\u5426\u4e00\u5b9a\u4e0d\u7528\u88dc\u5730\u50f9\uff1f<\/h2>\n<p>\u4e0d\u662f\u3002\u662f\u5426\u9700\u8981\u88dc\u5730\u50f9\u6216\u653f\u5e9c\u540c\u610f\uff0c\u9808\u67e5\u770b\u500b\u5225\u4e01\u5c4b\u7684 Land Grant\u3001Building Licence \u53ca\u571f\u5730\u8a3b\u518a\u8655\u767b\u8a18\u6587\u4ef6\u3002\u55ae\u7d14\u4ee5\u6a13\u9f61\u6216\u300c\u6eff5\u5e74\u300d\u5224\u65b7\u4e26\u4e0d\u8db3\u5920\u3002<\/p>\n<h2>\u5982\u4f55\u77e5\u9053\u6751\u5c4b\u6709\u6c92\u6709\u50ed\u5efa\uff1f<\/h2>\n<p>\u53ef\u5148\u67e5\u770b\u571f\u5730\u67e5\u518a\u53ca\u76f8\u95dc\u653f\u5e9c\u547d\u4ee4\uff0c\u518d\u7531\u5408\u8cc7\u683c\u6e2c\u91cf\u5e2b\u6216\u5c08\u696d\u4eba\u58eb\u628a\u73fe\u5834\u5be6\u969b\u7d50\u69cb\u8207\u8a8d\u53ef\u8cc7\u6599\u9032\u884c\u6bd4\u8f03\u3002\u5929\u53f0\u5c4b\u3001\u570d\u5c01\u9732\u53f0\u53ca\u984d\u5916\u642d\u5efa\u4e26\u4e0d\u4ee3\u8868\u6240\u6709\u60c5\u6cc1\u7684\u6cd5\u5f8b\u7d50\u679c\u5b8c\u5168\u76f8\u540c\uff0c\u56e0\u6b64\u61c9\u6309\u500b\u6848\u78ba\u8a8d\u3002<\/p>\n<h2>\u5982\u4f55\u67e5\u8b49\u4e01\u5c4b\u662f\u5426\u6709\u8f49\u8b93\u9650\u5236\uff1f<\/h2>\n<p>\u59d4\u8a17\u7269\u696d\u5f8b\u5e2b\u9032\u884c\u571f\u5730\u67e5\u518a\uff0c\u4e26\u67e5\u770b Land Grant\u3001Building Licence\u3001Consent Letter\u3001Modification Letter \u53ca\u5176\u4ed6\u5df2\u767b\u8a18\u6587\u4ef6\uff0c\u662f\u8f03\u53ef\u9760\u7684\u505a\u6cd5\u3002<\/p>\n<h2>\u9280\u884c\u4f30\u50f9\u4e0d\u8db3\uff0c\u8ca1\u52d9\u516c\u53f8\u53ef\u4ee5\u505a\u6751\u5c4b\u6309\u63ed\u55ce\uff1f<\/h2>\n<p>\u53ef\u4ee5\u5617\u8a66\u7533\u8acb\uff0c\u4f46\u4e0d\u4ee3\u8868\u4e00\u5b9a\u6279\u51fa\u3002\u4e0d\u540c\u8cb8\u6b3e\u6a5f\u69cb\u5c0d\u4f30\u50f9\u3001\u7269\u696d\u985e\u578b\u53ca\u98a8\u96aa\u7684\u63a5\u53d7\u7a0b\u5ea6\u4e0d\u540c\u3002\u74b0\u7403\u4fe1\u8cb8\u63a5\u53d7\u6751\u5c4b\u4f5c\u70ba\u7269\u696d\u62b5\u62bc\u54c1\uff0c\u7269\u696d\u4e00\u6309\u6700\u9ad8\u53ef\u9054\u4f30\u503c80%\uff0c\u5be6\u969b\u8cb8\u6b3e\u984d\u4ecd\u9808\u6309\u7269\u696d\u4f30\u50f9\u548c\u500b\u6848\u5be9\u6279\u3002<\/p>\n<hr>\n<h2>\u6751\u5c4b\u8cb7\u5bb6\u7c3d\u7d04\u524dChecklist<\/h2>\n<p>\u5728\u7c3d\u7f72\u81e8\u6642\u8cb7\u8ce3\u5408\u7d04\u524d\uff0c\u5efa\u8b70\u81f3\u5c11\u5b8c\u6210\u4ee5\u4e0b\u6aa2\u67e5\uff1a<\/p>\n<ul>\n<li>\n<p>\u5411\u9280\u884c\u6216\u6309\u63ed\u6a5f\u69cb\u9032\u884c\u521d\u6b65\u4f30\u50f9<\/p>\n<\/li>\n<li>\n<p>\u9032\u884c\u6309\u63ed\u9810\u5148\u8a55\u4f30<\/p>\n<\/li>\n<li>\n<p>\u59d4\u8a17\u5f8b\u5e2b\u505a\u571f\u5730\u67e5\u518a<\/p>\n<\/li>\n<li>\n<p>\u78ba\u8a8d\u5408\u6cd5\u51fa\u5165\u53ca\u8def\u6b0a<\/p>\n<\/li>\n<li>\n<p>\u67e5\u770b\u6709\u5426\u653f\u5e9c\u547d\u4ee4\u6216\u50ed\u5efa\u554f\u984c<\/p>\n<\/li>\n<li>\n<p>\u78ba\u8a8d Government Lease\uff0fBuilding Licence<\/p>\n<\/li>\n<li>\n<p>\u78ba\u8a8d\u9069\u7528\u7684 Certificate of Compliance\u3001No Objection to Occupy Letter \u6216\u5176\u4ed6\u6587\u4ef6<\/p>\n<\/li>\n<li>\n<p>\u4e01\u5c4b\u78ba\u8a8d\u6709\u5426 Restriction on Alienation<\/p>\n<\/li>\n<li>\n<p>\u78ba\u8a8d\u662f\u5426\u9700\u8981\u88dc\u5730\u50f9\u6216\u653f\u5e9c\u540c\u610f<\/p>\n<\/li>\n<li>\n<p>\u9810\u7559\u4f30\u50f9\u4e0d\u8db3\u6240\u9700\u984d\u5916\u9996\u671f<\/p>\n<\/li>\n<\/ul>\n<hr>\n<h2>\u7e3d\u7d50\uff1a\u6751\u5c4b\u6309\u63ed\u6700\u91cd\u8981\u4e0d\u662f\u300c\u6700\u9ad8\u5e7e\u591a\u6210\u300d\uff0c\u800c\u662f\u5148\u78ba\u8a8d\u7269\u696d\u662f\u5426\u5bb9\u6613\u6309<\/h2>\n<p>\u6751\u5c4b\u53ca\u4e01\u5c4b\u6309\u63ed\u6700\u5927\u7684\u98a8\u96aa\uff0c\u5f80\u5f80\u4e0d\u662f\u606f\u7387\u672c\u8eab\uff0c\u800c\u662f\u8cb7\u5bb6\u5728\u7c3d\u7d04\u5f8c\u624d\u767c\u73fe<strong>\u9280\u884c\u4f30\u50f9\u4e0d\u8db3\u3001\u8def\u6b0a\u6709\u554f\u984c\u3001\u5b58\u5728\u50ed\u5efa\u3001\u6587\u4ef6\u4e0d\u5b8c\u6574\u6216\u4e01\u5c4b\u4ecd\u6709\u8f49\u8b93\u9650\u5236<\/strong>.<\/p>\n<p>\u56e0\u6b64\uff0c\u8cb7\u6751\u5c4b\u6700\u7406\u60f3\u7684\u6b21\u5e8f\u662f\uff1a<\/p>\n<p><strong>\u5148\u67e5\u7269\u696d \u2192 \u518d\u505a\u4f30\u50f9 \u2192 \u518d\u8a55\u4f30\u6309\u63ed \u2192 \u6700\u5f8c\u624d\u6c7a\u5b9a\u4ea4\u6613\u53ca\u9996\u671f\u9810\u7b97\u3002<\/strong><\/p>\n<p>\u5982\u679c\u9280\u884c\u56e0\u6751\u5c4b\u4f30\u50f9\u3001\u7269\u696d\u7a2e\u985e\u6216\u50b3\u7d71\u5165\u606f\u8b49\u660e\u8981\u6c42\u800c\u672a\u80fd\u63d0\u4f9b\u5408\u9069\u65b9\u6848\uff0c\u4ea6\u53ef\u4ee5\u6bd4\u8f03\u5176\u4ed6\u6301\u724c\u8cb8\u6b3e\u6a5f\u69cb\u7684\u7269\u696d\u6309\u63ed\u65b9\u6848\u3002<\/p>\n<p>\u74b0\u7403\u4fe1\u8cb8\uff08GICL\uff09\u63a5\u53d7\u6751\u5c4b\u7b49\u591a\u7a2e\u9999\u6e2f\u7269\u696d\u4f5c\u70ba\u62b5\u62bc\u54c1\uff0c\u7269\u696d\u4e00\u6309\u8cb8\u6b3e\u6700\u9ad8\u53ef\u9054\u7269\u696d\u4f30\u503c80%\uff0c\u4e26\u53ef\u6309\u500b\u6848\u63d0\u4f9b\u8f03\u5f48\u6027\u7684\u5be9\u6279\u65b9\u6848\u3002<\/p>\n<p><strong>\u6240\u6709\u8cb8\u6b3e\u5747\u6d89\u53ca\u5229\u606f\u53ca\u8ca1\u52d9\u627f\u64d4\u3002\u7533\u8acb\u524d\u61c9\u6bd4\u8f03\u5be6\u969b\u5e74\u5229\u7387\u3001\u7e3d\u9084\u6b3e\u984d\u53ca\u689d\u6b3e\uff0c\u4e26\u6309\u81ea\u5df1\u7684\u9084\u6b3e\u80fd\u529b\u4f5c\u51fa\u6c7a\u5b9a\u3002<\/strong><\/p>\n<h3>\u672c\u6587\u4e3b\u8981\u53c3\u8003\u8cc7\u6599<\/h3>\n<ul>\n<li>\n<p>\u9999\u6e2f\u91d1\u878d\u7ba1\u7406\u5c40\uff08Hong Kong Monetary Authority\uff09\uff1a\u7269\u696d\u6309\u63ed\u8cb8\u6b3e\u76e3\u7ba1\u8981\u6c42<\/p>\n<\/li>\n<li>\n<p>HKMC Insurance Limited\uff1aMortgage Insurance Programme \u2014 Village House<\/p>\n<\/li>\n<li>\n<p>\u9999\u6e2f\u5730\u653f\u7e3d\u7f72\uff1aThe Purchase of a Village House in the New Territories<\/p>\n<\/li>\n<li>\n<p>\u9999\u6e2f\u5730\u653f\u7e3d\u7f72\uff1aNew Territories Small House Policy<\/p>\n<\/li>\n<li>\n<p>\u9999\u6e2f\u5c4b\u5b87\u7f72\uff1aNew Territories Exempted Houses\u53ca\u50ed\u5efa\u7269\u8cc7\u6599<\/p>\n<\/li>\n<\/ul>\n<p><strong>\u8cc7\u6599\u622a\u81f32026\u5e748\u6708\u3002\u653f\u5e9c\u653f\u7b56\u3001\u9280\u884c\u6309\u63ed\u689d\u4ef6\u53ca\u8cb8\u6b3e\u7522\u54c1\u53ef\u80fd\u4e0d\u6642\u66f4\u65b0\uff0c\u5be6\u969b\u60c5\u6cc1\u4ee5\u6709\u95dc\u6a5f\u69cb\u6700\u65b0\u516c\u5e03\u53ca\u500b\u5225\u5be9\u6279\u7d50\u679c\u70ba\u6e96\u3002<\/strong><\/p>","protected":false},"excerpt":{"rendered":"<p>\u6751\u5c4b\u6309\u63ed2026\uff1a\u4e01\u5c4b\u3001\u65b0\u754c\u6751\u5c4b\u6309\u63ed\u6210\u6578\u3001\u4f30\u50f9\u53ca6\u5927\u62d2\u6279\u539f\u56e0 \u6700\u5f8c\u66f4\u65b0\uff1a2026\u5e748\u6708 \u6751\u5c4b\u6309\u63ed\u8207\u4e00\u822c\u79c1\u4eba\u4f4f\u5b85 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