{"id":7998,"date":"2026-09-16T17:13:45","date_gmt":"2026-09-16T09:13:45","guid":{"rendered":"https:\/\/gicl.com.hk\/?p=7998"},"modified":"2026-09-16T17:21:06","modified_gmt":"2026-09-16T09:21:06","slug":"commercial-property-mortgage-guide","status":"publish","type":"post","link":"https:\/\/gicl.com.hk\/en\/commercial-property-mortgage-guide\/","title":{"rendered":"The Complete Guide to Commercial and Industrial Property Mortgages: Detailed Breakdown of Industrial Building LTV Ratios, Loan Tenures, and Application Requirements"},"content":{"rendered":"<h1><strong>\u5de5\u5546\u8216\u6309\u63ed\u5168\u653b\u7565\uff1a\u5de5\u5ec8\u6309\u63ed\u6210\u6578\u3001\u5e74\u671f\u3001\u7533\u8acb\u689d\u4ef6\u8a73\u7d30\u89e3\u6790<\/strong><\/h1>\n<p>\u76f8\u6bd4\u4f4f\u5b85\u7269\u696d\uff0c\u5de5\u5ec8\u3001\u5546\u8216\u53ca\u5beb\u5b57\u6a13\u7684\u6309\u63ed\u7533\u8acb\u6d89\u53ca\u7269\u696d\u7528\u9014\u3001\u4f30\u50f9\u3001\u6a13\u9f61\u53ca\u6536\u5165\u5be9\u67e5\u7b49\u56e0\u7d20\u30022026\u5e74\u5de5\u5546\u8216\u6309\u63ed\u6700\u9ad8\u6210\u6578\u662f\u591a\u5c11\uff1f\u5de5\u5ec8\u6309\u63ed\u5e74\u671f\u6700\u9577\u53ef\u4ee5\u505a\u5e7e\u8010\uff1f\u672c\u6587\u6574\u7406\u6700\u65b0\u5de5\u5546\u8216\u53ca\u5de5\u696d\u5927\u5ec8\u6309\u63ed\u8981\u6c42\u3001\u5229\u7387\u3001\u5370\u82b1\u7a05\u53ca\u6295\u8cc7\u6ce8\u610f\u4e8b\u9805\uff0c\u52a9\u8cb7\u5bb6\u5728\u5165\u5e02\u524d\u638c\u63e1\u4e3b\u8981\u6210\u672c\u53ca\u5be9\u6279\u91cd\u9ede\u3002<\/p>\n<p>\u00a0<\/p>\n<h2><strong>\u76ee\u9304<\/strong><\/h2>\n<ul>\n<li><a href=\"#toc-1\">\u5de5\u5546\u8216\u6309\u63ed\u6210\u6578\uff1a\u6700\u65b0\u4e03\u6210\u4e0a\u9650\u4e4b\u8a08\u7b97\u65b9\u5f0f<\/a><\/li>\n<li><a href=\"#toc-2\">\u5de5\u5ec8\u6309\u63ed\u5e74\u671f\uff1a\u6700\u9577\u53ef\u6279\u6838\u5e74\u671f\u70ba\u4f55\uff1f<\/a><\/li>\n<li><a href=\"#toc-3\">\u5de5\u5546\u8216\u6309\u63ed\u7533\u8acb\u689d\u4ef6\u53ca\u5165\u606f\u8981\u6c42<\/a><\/li>\n<li><a href=\"#toc-4\">\u5de5\u5546\u8216\u6309\u63ed\u5229\u7387\u53ca\u8a08\u5283\u6bd4\u8f03\uff08P\u6309\u8207H\u6309\uff09<\/a><\/li>\n<li><a href=\"#toc-5\">\u5de5\u5546\u8216\u5370\u82b1\u7a05\u53ca\u4f30\u50f9\u9808\u77e5<\/a><\/li>\n<li><a href=\"#toc-6\">\u6295\u8cc7\u5de5\u5ec8\u6ce8\u610f\u4e8b\u9805<\/a><\/li>\n<li><a href=\"#toc-7\">\u5e38\u898b\u554f\u984c<\/a>\n<ul>\n<li><a href=\"#toc-8\">\u5de5\u5546\u8216\u6309\u63ed\u6210\u6578\u6700\u9ad8\u53ef\u9054\u591a\u5c11\uff1f<\/a><\/li>\n<li><a href=\"#toc-9\">\u5de5\u5ec8\u6309\u63ed\u6700\u9577\u5e74\u671f\u70ba\u4f55\uff1f\u820a\u5f0f\u5de5\u5ec8\u7684\u6279\u6838\u5e74\u671f\u6703\u5426\u8f03\u77ed\uff1f<\/a><\/li>\n<li><a href=\"#toc-10\">\u7533\u8acb\u5de5\u5546\u8216\u6309\u63ed\u662f\u5426\u9700\u8981\u901a\u904e\u58d3\u529b\u6e2c\u8a66\uff1f<\/a><\/li>\n<li><a href=\"#toc-11\">\u4ee5\u516c\u53f8\u540d\u7fa9\u9084\u662f\u500b\u4eba\u540d\u7fa9\u7533\u8acb\u5de5\u5546\u8216\u6309\u63ed\u8f03\u70ba\u6709\u5229\uff1f<\/a><\/li>\n<li><a href=\"#toc-12\">\u5de5\u5546\u8216\u4f30\u50f9\u4e0d\u8db3\u61c9\u5982\u4f55\u8655\u7406\uff1f<\/a><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>\u00a0<\/p>\n<h2 id=\"toc-1\"><strong>\u5de5\u5546\u8216\u6309\u63ed\u6210\u6578\uff1a\u6700\u65b0\u4e03\u6210\u4e0a\u9650\u4e4b\u8a08\u7b97\u65b9\u5f0f<\/strong><\/h2>\n<p>\u6839\u64da\u9999\u6e2f\u91d1\u878d\u7ba1\u7406\u5c40\u73fe\u884c\u898f\u5b9a\uff0c\u7528\u4f5c\u7269\u696d\u4ea4\u6613\u6216\u8f49\u6309\u7684\u5546\u696d\u53ca\u5de5\u696d\u7269\u696d\u6309\u63ed\uff0c\u6700\u9ad8\u6309\u63ed\u6210\u6578\uff08LTV\uff09\u70ba70%\uff0c\u4f9b\u6b3e\u8207\u5165\u606f\u6bd4\u7387\uff08DSR\uff09\u4e0a\u9650\u5247\u70ba50%<sup><sup><a href=\"#footnote-0\" id=\"footnote-ref-0\">[1]<\/a><\/sup><\/sup>\u3002\u5373\u4f7f\u7533\u8acb\u4eba\u5df2\u6709\u5176\u4ed6\u672a\u511f\u9084\u6309\u63ed\u6216\u70ba\u5176\u4ed6\u6309\u63ed\u63d0\u4f9b\u64d4\u4fdd\uff0c\u73fe\u884c\u76e3\u7ba1\u4e0a\u9650\u4ea6\u4e0d\u6703\u55ae\u7d14\u56e0\u6b64\u964d\u4f4e\u3002<\/p>\n<p>\u4f8b\u5982\u4e00\u500b\u5de5\u5ec8\u55ae\u4f4d\u6210\u4ea4\u50f9\u53ca\u9280\u884c\u4f30\u50f9\u540c\u70baHK$1,000\u842c\uff0c\u4ee5\u4e03\u6210\u8a08\u7b97\uff0c\u6700\u9ad8\u8cb8\u6b3e\u984d\u70baHK$700\u842c\uff0c\u8cb7\u5bb6\u9700\u6e96\u5099\u81f3\u5c11HK$300\u842c\u9996\u671f\u3002\u5be6\u969b\u5de5\u5ec8\u6309\u63ed\u6210\u6578\u4ecd\u8996\u4e4e\u9280\u884c\u4f30\u50f9\u3001\u7269\u696d\u72c0\u6cc1\u53ca\u7533\u8acb\u4eba\u7684\u8ca1\u52d9\u60c5\u6cc1\u800c\u5b9a\u3002\u82e5\u9280\u884c\u4f30\u50f9\u4f4e\u65bc\u6210\u4ea4\u50f9\uff0c\u53ef\u501f\u91d1\u984d\u4ea6\u53ef\u80fd\u76f8\u61c9\u6e1b\u5c11\uff0c\u8cb7\u5bb6\u4fbf\u8981\u589e\u52a0\u9996\u671f\u3002<\/p>\n<p>\u00a0<\/p>\n<h2 id=\"toc-2\"><strong>\u5de5\u5ec8\u6309\u63ed\u5e74\u671f\uff1a\u6700\u9577\u53ef\u6279\u6838\u5e74\u671f\u70ba\u4f55\uff1f<\/strong><\/h2>\n<p>\u5de5\u5ec8\u6309\u63ed\u5e74\u671f\u6c92\u6709\u5168\u5e02\u5834\u7d71\u4e00\u6a19\u6e96\uff0c\u4e0d\u540c\u9280\u884c\u6703\u6309\u7269\u696d\u6a13\u9f61\u3001\u72c0\u6cc1\u3001\u7533\u8acb\u4eba\u5e74\u9f61\u53ca\u9084\u6b3e\u80fd\u529b\u4f5c\u500b\u5225\u5be9\u6279\u3002\u73fe\u6642\u90e8\u5206\u9280\u884c\u7684\u5546\u7528\u7269\u696d\u878d\u8cc7\u9084\u6b3e\u671f\u6700\u9577\u53ef\u905430\u5e74\uff0c\u4e0d\u904e\uff0c\u4e26\u975e\u6240\u6709\u5de5\u696d\u5927\u5ec8\u90fd\u80fd\u505a\u8db3\u6700\u9577\u5e74\u671f\u3002<\/p>\n<p>\u82e5\u5de5\u5ec8\u6a13\u9f61\u8f03\u9ad8\u3001\u7269\u696d\u72c0\u6cc1\u8f03\u5dee\u6216\u65e5\u5f8c\u8f49\u552e\u80fd\u529b\u8f03\u5f31\uff0c\u9280\u884c\u53ef\u80fd\u6279\u51fa\u8f03\u77ed\u5e74\u671f\u3002\u9084\u6b3e\u671f\u7e2e\u77ed\u4ea6\u4ee3\u8868\u6bcf\u6708\u4f9b\u6b3e\u589e\u52a0\uff0c\u6240\u4ee5\u8cfc\u5165\u820a\u5f0f\u5de5\u5ec8\u524d\uff0c\u5b9c\u5148\u4e86\u89e3\u9280\u884c\u53ef\u63a5\u53d7\u7684\u5be6\u969b\u6309\u63ed\u5e74\u671f\u3002<\/p>\n<p>\u00a0<\/p>\n<h2 id=\"toc-3\"><strong>\u5de5\u5546\u8216\u6309\u63ed\u7533\u8acb\u689d\u4ef6\u53ca\u5165\u606f\u8981\u6c42<\/strong><\/h2>\n<p>\u7533\u8acb\u5de5\u5546\u8216\u6309\u63ed\u6642\uff0c\u9280\u884c\u4e00\u822c\u6703\u7d9c\u5408\u8a55\u4f30\u7533\u8acb\u4eba\u7684\u9084\u6b3e\u80fd\u529b\u3001\u4fe1\u8cb8\u7d00\u9304\u53ca\u7269\u696d\u50f9\u503c\u3002<\/p>\n<p>\u5e38\u898b\u6240\u9700\u8cc7\u6599\u5305\u62ec\uff1a<\/p>\n<ul>\n<li><strong>\u500b\u4eba\u540d\u7fa9\u7533\u8acb\uff1a<\/strong>\u8eab\u4efd\u8b49\u660e\u3001\u5165\u606f\u8b49\u660e\u3001\u9280\u884c\u6708\u7d50\u55ae\u3001\u7a05\u52d9\u8cc7\u6599\u53ca\u7269\u696d\u6587\u4ef6\u7b49\u3002<\/li>\n<li><strong>\u516c\u53f8\u540d\u7fa9\u7533\u8acb\uff1a<\/strong>\u4e00\u822c\u9700\u8981\u5546\u696d\u767b\u8a18\u53ca\u516c\u53f8\u8cc7\u6599\uff0c\u4e26\u53ef\u80fd\u8981\u6c42\u63d0\u4ea4\u9280\u884c\u7d00\u9304\u3001\u8ca1\u52d9\u5831\u8868\u3001\u7a05\u52d9\u8cc7\u6599\uff0c\u4ee5\u53ca\u8463\u4e8b\u6216\u80a1\u6771\u7684\u76f8\u95dc\u6587\u4ef6\u3002<\/li>\n<li><strong>\u4f9b\u6b3e\u8207\u5165\u606f\u6bd4\u7387\uff1a<\/strong>\u91d1\u7ba1\u5c40\u73fe\u884c\u7269\u696d\u6309\u63edDSR\u4e0a\u9650\u70ba50%\u3002<\/li>\n<\/ul>\n<p>\u91d1\u7ba1\u5c40\u5df2\u65bc2024\u5e742\u6708\u66ab\u505c\u539f\u6709\u300c\u5047\u8a2d\u5229\u7387\u4e0a\u53472\u5398\u300d\u7684\u6309\u63ed\u58d3\u529b\u6e2c\u8a66\u8981\u6c42\uff0c\u6240\u4ee52026\u5e74\u7533\u8acb\u5de5\u5546\u8216\u6309\u63ed\u6bcb\u9808\u518d\u901a\u904e\u820a\u6709\u58d3\u529b\u6e2c\u8a66\u3002\u4e0d\u904e\uff0c\u9280\u884c\u4ecd\u6703\u6309\u81ea\u8eab\u4fe1\u8cb8\u653f\u7b56\u8a55\u4f30\u7533\u8acb\u4eba\u7684\u5be6\u969b\u9084\u6b3e\u80fd\u529b\u3002<\/p>\n<p>\u00a0<\/p>\n<h2 id=\"toc-4\"><strong>\u5de5\u5546\u8216\u6309\u63ed\u5229\u7387\u53ca\u8a08\u5283\u6bd4\u8f03\uff08P\u6309\u8207H\u6309\uff09<\/strong><\/h2>\n<p>\u5de5\u5546\u8216\u6309\u63ed\u53ef\u6309\u9280\u884c\u63d0\u4f9b\u7684\u8a08\u5283\uff0c\u4ee5\u6700\u512a\u60e0\u5229\u7387\uff08P\uff09\u6216\u9999\u6e2f\u9280\u884c\u540c\u696d\u62c6\u606f\uff08HIBOR\uff09\u4f5c\u5229\u7387\u57fa\u6e96\uff0c\u5be6\u969b\u53ef\u9078\u8a08\u5283\u53ca\u606f\u7387\u5247\u6309\u9280\u884c\u548c\u500b\u5225\u7533\u8acb\u800c\u5b9a\u3002<\/p>\n<table style=\"border-collapse: collapse; width: 100%; border: 1px solid #d0d0d0;\">\n<thead>\n<tr>\n<th style=\"border: 1px solid #d0d0d0; padding: 8px 12px; text-align: left; vertical-align: top; background-color: #f7f7f7;\">\n<p><strong>\u6bd4\u8f03\u9805\u76ee<\/strong><\/p>\n<\/th>\n<th style=\"border: 1px solid #d0d0d0; padding: 8px 12px; text-align: left; vertical-align: top; background-color: #f7f7f7;\">\n<p><strong>H\u6309<\/strong><\/p>\n<\/th>\n<th style=\"border: 1px solid #d0d0d0; padding: 8px 12px; text-align: left; vertical-align: top; background-color: #f7f7f7;\">\n<p><strong>P\u6309<\/strong><\/p>\n<\/th>\n<\/tr>\n<tr>\n<th style=\"border: 1px solid #d0d0d0; padding: 8px 12px; text-align: left; vertical-align: top;\">\n<p>\u5229\u7387\u57fa\u6e96<\/p>\n<\/th>\n<th style=\"border: 1px solid #d0d0d0; padding: 8px 12px; text-align: left; vertical-align: top;\">\n<p>\u9999\u6e2f\u9280\u884c\u540c\u696d\u62c6\u606f\uff08HIBOR\uff09<\/p>\n<\/th>\n<th style=\"border: 1px solid #d0d0d0; padding: 8px 12px; text-align: left; vertical-align: top;\">\n<p>\u9280\u884c\u6700\u512a\u60e0\u5229\u7387\uff08P\uff09<\/p>\n<\/th>\n<\/tr>\n<tr>\n<th style=\"border: 1px solid #d0d0d0; padding: 8px 12px; text-align: left; vertical-align: top;\">\n<p>\u5e38\u898b\u8a08\u6cd5<\/p>\n<\/th>\n<th style=\"border: 1px solid #d0d0d0; padding: 8px 12px; text-align: left; vertical-align: top;\">\n<p>H\uff0b\u6307\u5b9a\u606f\u7387<\/p>\n<\/th>\n<th style=\"border: 1px solid #d0d0d0; padding: 8px 12px; text-align: left; vertical-align: top;\">\n<p>P\uff0d\u6307\u5b9a\u606f\u7387<\/p>\n<\/th>\n<\/tr>\n<tr>\n<th style=\"border: 1px solid #d0d0d0; padding: 8px 12px; text-align: left; vertical-align: top;\">\n<p>\u5229\u7387\u8b8a\u5316<\/p>\n<\/th>\n<th style=\"border: 1px solid #d0d0d0; padding: 8px 12px; text-align: left; vertical-align: top;\">\n<p>\u8ddf\u96a8HIBOR\u8b8a\u52d5\u8f03\u983b\u5bc6<\/p>\n<\/th>\n<th style=\"border: 1px solid #d0d0d0; padding: 8px 12px; text-align: left; vertical-align: top;\">\n<p>\u96a8\u9280\u884cP\u8abf\u6574<\/p>\n<\/th>\n<\/tr>\n<tr>\n<th style=\"border: 1px solid #d0d0d0; padding: 8px 12px; text-align: left; vertical-align: top;\">\n<p>\u7279\u8272<\/p>\n<\/th>\n<th style=\"border: 1px solid #d0d0d0; padding: 8px 12px; text-align: left; vertical-align: top;\">\n<p>\u90e8\u5206\u8a08\u5283\u8a2d\u5c01\u9802\u606f\u7387<\/p>\n<\/th>\n<th style=\"border: 1px solid #d0d0d0; padding: 8px 12px; text-align: left; vertical-align: top;\">\n<p>\u5229\u7387\u8b8a\u5316\u76f8\u5c0d\u8f03\u5c11<\/p>\n<\/th>\n<\/tr>\n<tr>\n<th style=\"border: 1px solid #d0d0d0; padding: 8px 12px; text-align: left; vertical-align: top;\">\n<p>\u6ce8\u610f\u4e8b\u9805<\/p>\n<\/th>\n<th style=\"border: 1px solid #d0d0d0; padding: 8px 12px; text-align: left; vertical-align: top;\">\n<p>HIBOR\u4e0a\u5347\u53ef\u589e\u52a0\u5229\u606f\u652f\u51fa<\/p>\n<\/th>\n<th style=\"border: 1px solid #d0d0d0; padding: 8px 12px; text-align: left; vertical-align: top;\">\n<p>\u4e0d\u540c\u9280\u884cP\u6c34\u5e73\u53ca\u6e1b\u606f\u5e45\u5ea6\u6216\u6709\u5dee\u7570<\/p>\n<\/th>\n<\/tr>\n<\/thead>\n<\/table>\n<p>\u5de5\u5546\u8216\u6309\u63ed\u7684\u5be6\u969b\u5229\u7387\u3001\u73fe\u91d1\u56de\u8d08\u53ca\u9644\u5e36\u689d\u6b3e\u901a\u5e38\u6703\u6309\u8cb8\u6b3e\u984d\u3001\u7269\u696d\u985e\u578b\u53ca\u7533\u8acb\u4eba\u7684\u8ca1\u52d9\u72c0\u6cc1\u500b\u5225\u91d0\u5b9a\uff0c\u6240\u4ee5\u6bd4\u8f03\u65b9\u6848\u6642\u5b9c\u540c\u6642\u67e5\u770b\u5be6\u969b\u5229\u7387\u3001\u7f70\u606f\u671f\u53ca\u63d0\u65e9\u9084\u6b3e\u689d\u6b3e\u3002<\/p>\n<p>\u00a0<\/p>\n<h2 id=\"toc-5\"><strong>\u5de5\u5546\u8216\u5370\u82b1\u7a05\u53ca\u4f30\u50f9\u9808\u77e5<\/strong><\/h2>\n<p>\u8cfc\u8cb7\u5de5\u5546\u8216\u53ca\u5de5\u5ec8\u7b49\u975e\u4f4f\u5b85\u7269\u696d\u9808\u7e73\u4ed8\u5f9e\u50f9\u5370\u82b1\u7a05\uff08AVD\uff09\u3002\u75312026\u5e742\u670826\u65e5\u8d77\uff0c\u975e\u4f4f\u5b85\u7269\u696d\u6b63\u5f0f\u9069\u7528\u65b0\u8a2d\u7684\u7b2c3\u6a19\u6e96\uff08Scale 3\uff09\u7a05\u7387\uff0c\u4e26\u4ee5\u7269\u696d\u552e\u50f9\u6216\u50f9\u503c\u5169\u8005\u4e2d\u7684\u8f03\u9ad8\u8005\u8a08\u7b97\u3002\u73fe\u6642HK$400\u842c\u6216\u4ee5\u4e0b\u7684\u975e\u4f4f\u5b85\u7269\u696d\u5370\u82b1\u7a05\u70baHK$100\uff0c\u5176\u5f8c\u6309\u4e0d\u540c\u6a13\u50f9\u7d1a\u5225\u8a08\u7b97\uff1bHK$21,739,121\u6216\u4ee5\u4e0a\u7684\u7b2c3\u6a19\u6e96\u7a05\u7387\u70ba4.25%\u3002<\/p>\n<p>\u4f30\u50f9\u4ea6\u662f\u5de5\u696d\u5927\u5ec8\u6309\u63ed\u7684\u91cd\u8981\u4e00\u74b0\u3002\u9280\u884c\u6703\u8003\u616e\u7269\u696d\u7528\u9014\u3001\u4f4d\u7f6e\u3001\u6a13\u9f61\u3001\u6210\u4ea4\u7d00\u9304\u3001\u6a13\u5b87\u72c0\u6cc1\u53ca\u5e02\u5834\u6d41\u901a\u6027\u7b49\u56e0\u7d20\u3002\u82e5\u4f30\u50f9\u4f4e\u65bc\u6210\u4ea4\u50f9\uff0c\u8cb7\u5bb6\u4fbf\u8981\u9810\u7559\u66f4\u591a\u8cc7\u91d1\u586b\u88dc\u9996\u671f\u5dee\u984d\u3002<\/p>\n<p>\u00a0<\/p>\n<h2 id=\"toc-6\"><strong>\u6295\u8cc7\u5de5\u5ec8\u6ce8\u610f\u4e8b\u9805<\/strong><\/h2>\n<p>\u6295\u8cc7\u5de5\u5ec8\u9664\u4e86\u8003\u616e\u50f9\u683c\u53ca\u79df\u91d1\u56de\u5831\uff0c\u4ea6\u61c9\u7559\u610f\u4ee5\u4e0b\u5e7e\u9ede\uff1a<\/p>\n<ul>\n<li><strong>\u6838\u51c6\u7528\u9014\uff1a<\/strong>\u5de5\u696d\u5927\u5ec8\u4e0d\u53ef\u64c5\u81ea\u6539\u4f5c\u672a\u7372\u6279\u51c6\u7684\u7528\u9014\u3002\u5982\u7269\u696d\u6d89\u53ca\u9055\u898f\u4f4f\u5b85\u7528\u9014\u3001\u50ed\u5efa\u6216\u5176\u4ed6\u7528\u9014\u554f\u984c\uff0c\u53ef\u80fd\u5f71\u97ff\u9280\u884c\u4f30\u50f9\u53ca\u6309\u63ed\u5be9\u6279\u3002<\/li>\n<li><strong>\u5730\u5951\u9650\u5236\uff1a<\/strong>\u82e5\u5de5\u5ec8\u64ec\u6539\u4f5c\u5176\u4ed6\u7528\u9014\uff0c\u90e8\u5206\u60c5\u6cc1\u53ef\u80fd\u9700\u8981\u5411\u5730\u653f\u7e3d\u7f72\u7533\u8acb\u8c41\u514d\u66f8\u53ca\u7e73\u4ed8\u76f8\u95dc\u8cbb\u7528\u3002<\/li>\n<li><strong>\u6a13\u5b87\u72c0\u6cc1\uff1a<\/strong>\u820a\u5f0f\u5de5\u5ec8\u7684\u6d88\u9632\u8a2d\u65bd\u3001\u7dad\u4fee\u547d\u4ee4\u3001\u50ed\u5efa\u53ca\u5927\u5ec8\u7ba1\u7406\u60c5\u6cc1\uff0c\u90fd\u53ef\u80fd\u589e\u52a0\u65e5\u5f8c\u6301\u6709\u6210\u672c\u3002<\/li>\n<li><strong>\u9023\u79df\u7d04\u7269\u696d\uff1a<\/strong>\u5982\u4ee5\u79df\u91d1\u6536\u5165\u4f5c\u70ba\u7533\u8acb\u6309\u63ed\u7684\u5165\u606f\u4f86\u6e90\uff0c\u9280\u884c\u6703\u6309\u81ea\u8eab\u653f\u7b56\u6c7a\u5b9a\u8a8d\u53ef\u6bd4\u4f8b\u53ca\u6240\u9700\u79df\u7d04\u8b49\u660e\uff0c\u672a\u5fc5\u6703\u628a\u5168\u90e8\u79df\u91d1\u8a08\u5165\u6536\u5165\u3002<\/li>\n<li><strong>\u9810\u7559\u8cc7\u91d1\uff1a<\/strong>\u9664\u9996\u671f\u5916\uff0c\u4ea6\u61c9\u8a08\u7b97\u5370\u82b1\u7a05\u3001\u5f8b\u5e2b\u8cbb\u3001\u88dd\u4fee\u53ca\u4f30\u50f9\u4e0d\u8db3\u7b49\u6f5b\u5728\u652f\u51fa\u3002<\/li>\n<\/ul>\n<p>\u00a0<\/p>\n<h2 id=\"toc-7\"><strong>\u5e38\u898b\u554f\u984c<\/strong><\/h2>\n<p>\u00a0<\/p>\n<h3 id=\"toc-8\"><strong>\u5de5\u5546\u8216\u6309\u63ed\u6210\u6578\u6700\u9ad8\u53ef\u9054\u591a\u5c11\uff1f<\/strong><\/h3>\n<p>\u6839\u64da\u91d1\u7ba1\u5c40\u73fe\u884c\u898f\u5b9a\uff0c\u7528\u4f5c\u7269\u696d\u4ea4\u6613\u6216\u8f49\u6309\u7684\u5de5\u5546\u7269\u696d\u6309\u63ed\u6700\u9ad8LTV\u70ba70%\u3002\u5be6\u969b\u7372\u6279\u7684\u5de5\u5546\u8216\u6216\u5de5\u5ec8\u6309\u63ed\u6210\u6578\uff0c\u4ecd\u8996\u4e4e\u9280\u884c\u4f30\u50f9\u3001\u7269\u696d\u72c0\u6cc1\u53ca\u7533\u8acb\u4eba\u7684\u8ca1\u52d9\u60c5\u6cc1\u3002<\/p>\n<p>\u00a0<\/p>\n<h3 id=\"toc-9\"><strong>\u5de5\u5ec8\u6309\u63ed\u6700\u9577\u5e74\u671f\u70ba\u4f55\uff1f\u820a\u5f0f\u5de5\u5ec8\u7684\u6279\u6838\u5e74\u671f\u6703\u5426\u8f03\u77ed\uff1f<\/strong><\/h3>\n<p>\u4e0d\u540c\u9280\u884c\u653f\u7b56\u6709\u6240\u4e0d\u540c\uff0c\u73fe\u6642\u90e8\u5206\u5546\u7528\u7269\u696d\u878d\u8cc7\u8a08\u5283\u6700\u9577\u9084\u6b3e\u671f\u53ef\u905430\u5e74\u3002\u6a13\u9f61\u8f03\u9ad8\u7684\u820a\u5f0f\u5de5\u5ec8\u5247\u53ef\u80fd\u56e0\u7269\u696d\u72c0\u6cc1\u3001\u4f30\u50f9\u53ca\u9280\u884c\u5167\u90e8\u5be9\u6279\u800c\u7372\u6279\u8f03\u77ed\u5e74\u671f\u3002<\/p>\n<p>\u00a0<\/p>\n<h3 id=\"toc-10\"><strong>\u7533\u8acb\u5de5\u5546\u8216\u6309\u63ed\u662f\u5426\u9700\u8981\u901a\u904e\u58d3\u529b\u6e2c\u8a66\uff1f<\/strong><\/h3>\n<p>\u73fe\u6642\u6bcb\u9808\u901a\u904e\u6614\u65e5\u5047\u8a2d\u5229\u7387\u4e0a\u53472\u5398\u7684\u6309\u63ed\u58d3\u529b\u6e2c\u8a66\u3002\u4e0d\u904e\uff0c\u7533\u8acb\u4eba\u4ecd\u9808\u63a5\u53d7\u9280\u884c\u7684\u9084\u6b3e\u80fd\u529b\u5be9\u67e5\uff0c\u800c\u91d1\u7ba1\u5c40\u73fe\u884c\u7269\u696d\u6309\u63edDSR\u4e0a\u9650\u70ba50%\u3002<\/p>\n<p>\u00a0<\/p>\n<h3 id=\"toc-11\"><strong>\u4ee5\u516c\u53f8\u540d\u7fa9\u9084\u662f\u500b\u4eba\u540d\u7fa9\u7533\u8acb\u5de5\u5546\u8216\u6309\u63ed\u8f03\u70ba\u6709\u5229\uff1f<\/strong><\/h3>\n<p>\u6c92\u6709\u4e00\u7a2e\u65b9\u5f0f\u5fc5\u7136\u8f03\u6709\u5229\u3002\u500b\u4eba\u540d\u7fa9\u4e3b\u8981\u5be9\u8996\u7533\u8acb\u4eba\u7684\u5165\u606f\u3001\u8ca0\u50b5\u53ca\u4fe1\u8cb8\u72c0\u6cc1\uff1b\u516c\u53f8\u540d\u7fa9\u5247\u6703\u9032\u4e00\u6b65\u8a55\u4f30\u516c\u53f8\u8ca1\u52d9\u53ca\u71df\u904b\u60c5\u6cc1\uff0c\u90e8\u5206\u500b\u6848\u4ea6\u53ef\u80fd\u8981\u6c42\u8463\u4e8b\u6216\u80a1\u6771\u63d0\u4f9b\u64d4\u4fdd\u3002<\/p>\n<p>\u81f3\u65bc\u6309\u63ed\u5229\u606f\u6263\u7a05\u3001\u65e5\u5f8c\u51fa\u552e\u65b9\u5f0f\u53ca\u76f8\u95dc\u7a05\u52d9\u5f71\u97ff\uff0c\u6703\u56e0\u7269\u696d\u7528\u9014\u53ca\u6301\u6709\u67b6\u69cb\u800c\u7570\uff0c\u5b9c\u6309\u5be6\u969b\u60c5\u6cc1\u5411\u6703\u8a08\u6216\u7a05\u52d9\u5c08\u696d\u4eba\u58eb\u4e86\u89e3\u3002\u56e0\u6b64\uff0c\u9078\u64c7\u4ee5\u500b\u4eba\u9084\u662f\u516c\u53f8\u540d\u7fa9\u7533\u8acb\uff0c\u4e0d\u5b9c\u55ae\u770b\u6309\u63ed\u689d\u4ef6\uff0c\u4ea6\u61c9\u4e00\u4f75\u8003\u616e\u6301\u6709\u76ee\u7684\u3001\u7a05\u52d9\u5b89\u6392\u53ca\u65e5\u5f8c\u8cc7\u7522\u8655\u7f6e\u9700\u8981\u3002<\/p>\n<p>\u00a0<\/p>\n<h3 id=\"toc-12\"><strong>\u5de5\u5546\u8216\u4f30\u50f9\u4e0d\u8db3\u61c9\u5982\u4f55\u8655\u7406\uff1f<\/strong><\/h3>\n<p>\u8cb7\u5bb6\u53ef\u5148\u5411\u4e0d\u540c\u9280\u884c\u67e5\u8a62\u4f30\u50f9\uff0c\u4e86\u89e3\u5404\u6a5f\u69cb\u7684\u4f30\u503c\u662f\u5426\u6709\u5dee\u8ddd\u3002\u5982\u679c\u6700\u7d42\u9280\u884c\u4f30\u50f9\u4ecd\u4f4e\u65bc\u6210\u4ea4\u50f9\uff0c\u901a\u5e38\u9700\u8981\u589e\u52a0\u9996\u671f\uff0c\u6216\u91cd\u65b0\u8abf\u6574\u8cb8\u6b3e\u984d\u53ca\u6574\u9ad4\u8cc7\u91d1\u5b89\u6392\u3002<\/p>\n<p>\u00a0<\/p>\n<h2><strong>\u7d50\u8a9e\uff1a\u770b\u6e96\u5de5\u5ec8\u6309\u63ed\u6210\u6578\u548c\u5e74\u671f\uff0c\u7cbe\u660e\u898f\u5283\u5de5\u5546\u8216\u6295\u8cc7<\/strong><\/h2>\n<p>\u6295\u8cc7\u5de5\u5546\u8216\u53ca\u5de5\u5ec8\u5177\u6709\u79df\u91d1\u56de\u5831\u6f5b\u529b\uff0c\u4f46\u6309\u63ed\u5be9\u6279\u5728\u6210\u6578\u4e0a\u9650\u3001\u6700\u9577\u9084\u6b3e\u5e74\u671f\u53ca\u4f30\u50f9\u8981\u6c42\u4e0a\uff0c\u7686\u8207\u4e00\u822c\u4f4f\u5b85\u7269\u696d\u6709\u6240\u4e0d\u540c\u3002\u5165\u5e02\u524d\uff0c\u6e96\u8cb7\u5bb6\u52d9\u5fc5\u4e86\u89e3\u6700\u65b0\u7684\u91d1\u878d\u76e3\u7ba1\u653f\u7b56\uff0c\u4ed4\u7d30\u67e5\u95b1\u7269\u696d\u7684\u6838\u51c6\u7528\u9014\u53ca\u6a13\u9f61\u9650\u5236\uff0c\u4e26\u70ba\u6309\u63ed\u9810\u7559\u5145\u8db3\u7684\u6642\u9593\u53ca\u5f8c\u5099\u8cc7\u91d1\u3002<\/p>\n<p>\u5982\u6b32\u4e86\u89e3\u66f4\u591a\u7269\u696d\u6309\u63ed\u53ca\u4fe1\u8cb8\u5e02\u5834\u8cc7\u8a0a\uff0c\u53ef\u700f\u89bd<a href=\"https:\/\/gicl.com.hk\/\">GICL\u74b0\u7403\u4fe1\u8cb8\u5b98\u65b9\u7db2\u7ad9<\/a>\u7372\u53d6\u76f8\u95dc\u53c3\u8003\u8cc7\u6599\u3002<\/p>\n<p>\u53c3\u8003\u8cc7\u6599\uff1a<\/p>\n<ol>\n<li>HKMA\uff1a<a href=\"https:\/\/brdr.hkma.gov.hk\/chi\/doc-ldg\/docId\/20241119-2-TC\" target=\"_blank\" rel=\"noopener\">\u7269\u696d\u6309\u63ed\u8cb8\u6b3e\u7684\u5be9\u614e\u76e3\u7ba1\u63aa\u65bd\uff082024\u5e7410\u670816\u65e5\uff09<\/a><\/li>\n<li>HKMA\uff1a<a href=\"https:\/\/www.hkma.gov.hk\/eng\/smart-consumers\/frequently-asked-questions\/banking\/p\/P9\" target=\"_blank\" rel=\"noopener\">\u6309\u63ed\u8cb8\u6b3e\u5e38\u898b\u554f\u984c<\/a><\/li>\n<li>HKMA\uff1a<a href=\"https:\/\/www.hkma.gov.hk\/chi\/news-and-media\/r-and-m-column\/2018\/12\/column-20181221\" target=\"_blank\" rel=\"noopener\">\u5229\u606f\uff0c\u4f60\u8b58\u5514\u8b58\uff1fHIBOR\u8207Prime Rate\u89e3\u8aaa<\/a><\/li>\n<li>\u9999\u6e2f\u7a05\u52d9\u5c40\uff1a<a href=\"https:\/\/www.ird.gov.hk\/chi\/faq\/avd.htm\" target=\"_blank\" rel=\"noopener\">\u5f9e\u50f9\u5370\u82b1\u7a05\uff08AVD\uff09\u6700\u65b0\u7a05\u7387<\/a><\/li>\n<li>\u5c4b\u5b87\u7f72\uff1a<a href=\"https:\/\/www.bd.gov.hk\/doc\/en\/resources\/codes-and-references\/practice-notes-and-circular-letters\/pnap\/APP\/APP159.pdf\" target=\"_blank\" rel=\"noopener\">\u9632\u6b62\u5de5\u696d\u5927\u5ec8\u975e\u6cd5\u6539\u4f5c\u4f4f\u5b85\u7528\u9014\u63aa\u65bd<\/a><\/li>\n<li>\u5730\u653f\u7e3d\u7f72\uff1a<a href=\"https:\/\/www.landsd.gov.hk\/en\/images\/doc\/PN%204_2019.pdf\" target=\"_blank\" rel=\"noopener\">Application for Waivers for Industrial Premises<\/a><\/li>\n<\/ol>\n","protected":false},"excerpt":{"rendered":"<p>\u4e00\u6587\u770b\u6e05\u6700\u65b0\u5de5\u5546\u8216\u6309\u63ed\u53ca\u5de5\u5ec8\u6309\u63ed\u653f\u7b56\uff01\u8a73\u7d30\u89e3\u6790\u5de5\u5ec8\u6309\u63ed\u6210\u6578\u4e0a\u9650\u3001\u5de5\u5ec8\u6309\u63ed\u5e74\u671f\u53ca\u7533\u8acb\u689d\u4ef6\uff0c\u8f15\u9b06\u638c\u63e1\u5de5\u696d\u5927\u5ec8\u6309\u63ed\u7684\u4f30\u50f9\u548c\u98a8\u96aa\u3002<\/p>","protected":false},"author":3,"featured_media":7984,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-7998","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"acf":[],"_links":{"self":[{"href":"https:\/\/gicl.com.hk\/en\/wp-json\/wp\/v2\/posts\/7998","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/gicl.com.hk\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/gicl.com.hk\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/gicl.com.hk\/en\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/gicl.com.hk\/en\/wp-json\/wp\/v2\/comments?post=7998"}],"version-history":[{"count":3,"href":"https:\/\/gicl.com.hk\/en\/wp-json\/wp\/v2\/posts\/7998\/revisions"}],"predecessor-version":[{"id":8004,"href":"https:\/\/gicl.com.hk\/en\/wp-json\/wp\/v2\/posts\/7998\/revisions\/8004"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/gicl.com.hk\/en\/wp-json\/wp\/v2\/media\/7984"}],"wp:attachment":[{"href":"https:\/\/gicl.com.hk\/en\/wp-json\/wp\/v2\/media?parent=7998"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/gicl.com.hk\/en\/wp-json\/wp\/v2\/categories?post=7998"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/gicl.com.hk\/en\/wp-json\/wp\/v2\/tags?post=7998"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}