\n| \n GICL\u7269\u696d\u4e00\u6309\u7522\u54c1<\/p>\n<\/td>\n | \n \u6700\u9ad8\u4f30\u503c80%<\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n \u5b98\u65b9\u8cc7\u6599\u4f86\u6e90\uff1a\u9999\u6e2f\u91d1\u878d\u7ba1\u7406\u5c40\uff08HKMA\uff09\u3001HKMC Insurance Limited\uff0c\u4ee5\u53caGICL\u516c\u958b\u7522\u54c1\u8cc7\u6599\u3002<\/strong><\/p>\n\u9700\u8981\u6ce8\u610f\uff0c\u300c\u6700\u9ad8\u6210\u6578\u300d\u53ea\u4ee3\u8868\u5236\u5ea6\u6216\u7522\u54c1\u4e0a\u9650\uff0c\u4e0d\u4ee3\u8868\u7533\u8acb\u4eba\u4e00\u5b9a\u53ef\u4ee5\u501f\u8db3\u3002<\/p>\n \u5be6\u969b\u8cb8\u6b3e\u984d\u901a\u5e38\u6703\u53d6\u6c7a\u65bc\uff1a<\/p>\n \n- \n
Property valuation;<\/p>\n<\/li>\n - \n
\u6a13\u5951\u53ca\u7522\u6b0a\uff1b<\/p>\n<\/li>\n - \n
\u7269\u696d\u7a2e\u985e\u53ca\u6a13\u9f61\uff1b<\/p>\n<\/li>\n - \n
Existing mortgage balance;<\/p>\n<\/li>\n - \n
\u7533\u8acb\u4eba\u6536\u5165\u6216\u8cc7\u7522\uff1b<\/p>\n<\/li>\n - \n
\u5176\u4ed6\u50b5\u52d9\uff1b<\/p>\n<\/li>\n - \n
Credit Record<\/p>\n<\/li>\n - \n
Loan Purpose<\/p>\n<\/li>\n - \n
\u8cb8\u6b3e\u6a5f\u69cb\u5167\u90e8\u98a8\u96aa\u653f\u7b56\u3002<\/p>\n<\/li>\n<\/ol>\n
\n2026\u9999\u6e2f\u6309\u63ed\u5e02\u5834\u6700\u65b0\u60c5\u6cc1<\/h1>\n\u9999\u6e2f\u91d1\u878d\u7ba1\u7406\u5c40\u516c\u5e03\u7684\u6578\u64da\u986f\u793a\uff0c\u8ca0\u8cc7\u7522\u4f4f\u5b85\u6309\u63ed\u75312025\u5e7412\u6708\u5e95\u768421,304\u5b97\u4e0b\u964d\u81f32026\u5e743\u6708\u5e95\u768411,424\u5b97<\/strong>\uff0c\u6d89\u53ca\u8cb8\u6b3e\u7e3d\u984d\u7d04550.37\u5104\u6e2f\u5143\u3002<\/p>\n\u5373\u662f\u77ed\u77ed\u4e00\u5b63\u4e4b\u5167\uff0c\u8ca0\u8cc7\u7522\u5b97\u6578\u4e0b\u964d\u7d0446%\u3002<\/p>\n \u9019\u500b\u6578\u5b57\u53cd\u6620\u7269\u696d\u4f30\u503c\u53ca\u6309\u63ed\u300c\u6c34\u4f4d\u300d\u53ef\u4ee5\u5728\u77ed\u6642\u9593\u5167\u660e\u986f\u8b8a\u5316\uff0c\u56e0\u6b64\u6253\u7b97\u8f49\u6309\u3001\u52a0\u6309\u6216\u4e8c\u6309\u5957\u73fe\u7684\u696d\u4e3b\uff0c\u4e0d\u5b9c\u55ae\u9760\u6578\u5e74\u524d\u8cb7\u5165\u50f9\u5224\u65b7\u53ef\u501f\u91d1\u984d\u3002<\/p>\n \u53e6\u5916\uff0cHKMA\u57282026\u5e743\u6708\u7684\u91d1\u878d\u7a69\u5b9a\u5831\u544a\u6307\u51fa\uff0c2026\u5e74\u521d\u65b0\u9020\u4f4f\u5b85\u6309\u63ed\u7684\u5e73\u5747\u606f\u7387\u7d04\u70ba3.25%\uff0c\u8f032025\u5e749\u6708\u7d043.5%\u6709\u6240\u4e0b\u964d\u3002<\/p>\n \u4e0d\u904e\uff0c\u5be6\u969b H\u6309\u3001P\u6309\u3001\u73fe\u91d1\u56de\u8d08\u53ca\u5c01\u9802\u606f\u7387\u6703\u96a8\u9280\u884c\u53ca\u5e02\u5834\u8b8a\u52d5\uff0c\u7533\u8acb\u6642\u61c9\u4ee5\u9280\u884c\u6700\u65b0\u6b63\u5f0f\u5831\u50f9\u70ba\u6e96\u3002<\/p>\n
\n2026\u9280\u884c\u6309\u63ed\u6210\u6578\uff1a\u70ba\u751a\u9ebc\u6709\u4eba\u53ef\u4ee5\u505a\u523090%\uff1f<\/h1>\n\u9019\u662f\u6700\u5bb9\u6613\u6df7\u6dc6\u7684\u5730\u65b9\u3002<\/p>\n \u4e00\u822c\u9280\u884c\u76f4\u63a5\u6309\u63ed\uff1a\u6700\u9ad870%<\/h2>\n\u6309\u7167\u9999\u6e2f\u91d1\u878d\u7ba1\u7406\u5c40\u73fe\u884c\u5b8f\u89c0\u5be9\u614e\u63aa\u65bd\uff0c\u4e00\u822c\u4f4f\u5b85\u3001\u5546\u696d\u53ca\u5de5\u696d\u7269\u696d\u6309\u63ed\u7684\u6700\u9ad8 LTV \u5747\u70ba 70%<\/strong>.<\/p>\n\u63db\u53e5\u8a71\u8aaa\uff0c\u4e00\u500b\u4f30\u503c HK$8,000,000 \u7684\u4f4f\u5b85\uff0c\u5982\u679c\u630970%\u8a08\u7b97\uff1a<\/p>\n HK$8,000,000 \u00d7 70% = HK$5,600,000<\/strong><\/p>\n\u9019\u662f\u9280\u884c\u76e3\u7ba1\u6846\u67b6\u4e0b\u7684\u57fa\u672c\u4e0a\u9650\u3002<\/p>\n \u6309\u63ed\u4fdd\u96aa\uff1a\u5408\u8cc7\u683c\u4eba\u58eb\u53ef\u9ad8\u65bc70%<\/h2>\nHKMC Insurance Limited\u7684\u6309\u63ed\u4fdd\u96aa\u8a08\u5283\uff0c\u6703\u70ba\u9280\u884c\u627f\u64d4\u90e8\u5206\u8d85\u904e\u4e00\u822c70% LTV\u7684\u98a8\u96aa\u3002<\/p>\n \u7b26\u5408\u8cc7\u683c\u7684\u4f4f\u5b85\u8cb7\u5bb6\uff0c\u6309\u7269\u696d\u50f9\u503c\u3001\u662f\u5426\u6301\u6709\u5176\u4ed6\u9999\u6e2f\u4f4f\u5b85\u3001\u6536\u5165\u5f62\u5f0f\u53ca\u5176\u4ed6\u689d\u4ef6\uff0c\u90e8\u5206\u500b\u6848\u53ef\u4ee5\u7533\u8acb\uff1a<\/p>\n \n- \n
80%\u6309\u63ed\uff1b<\/p>\n<\/li>\n - \n
\u6216\u6700\u9ad890%\u6309\u63ed\u3002<\/p>\n<\/li>\n<\/ul>\n \u56e0\u6b64\u6bd4\u8f03\u6e96\u78ba\u7684\u5beb\u6cd5\u662f\uff1a<\/p>\n \u9280\u884c\u4e00\u822c\u76e3\u7ba1LTV\u4e0a\u9650\u70ba70%\uff1b\u5408\u8cc7\u683c\u4f4f\u5b85\u8cb7\u5bb6\u900f\u904e\u6309\u63ed\u4fdd\u96aa\uff0c\u6700\u9ad8\u6309\u63ed\u6210\u6578\u53ef\u4ee5\u9032\u4e00\u6b65\u63d0\u9ad8\u3002<\/strong><\/p>\n\u800c\u4e0d\u662f\u7c21\u55ae\u5beb\u6210\u300c\u9280\u884c\u6700\u9ad8\u4e5d\u6210\u300d\u3002<\/p>\n
\n2026\u9084\u8981\u505a+2%\u6309\u63ed\u58d3\u529b\u6e2c\u8a66\u55ce\uff1f<\/h1>\n\u9999\u6e2f\u91d1\u878d\u7ba1\u7406\u5c40\u5df2\u65bc2024\u5e742\u6708\u66ab\u505c\u904e\u5f80\u5047\u8a2d\u6309\u63ed\u5229\u7387\u4e0a\u5347200\u500b\u57fa\u9ede\u7684\u76e3\u7ba1\u58d3\u529b\u6e2c\u8a66\u8981\u6c42\u3002<\/strong><\/p>\n\u4f46\u662f\u300c\u53d6\u6d88\u58d3\u529b\u6e2c\u8a66\u300d\u4e26\u4e0d\u7b49\u65bc\u9280\u884c\u4e0d\u518d\u5be9\u67e5\u9084\u6b3e\u80fd\u529b\u3002<\/p>\n \u73fe\u6642\u9280\u884c\u4ecd\u6703\u8003\u616e\uff1a<\/p>\n \n- \n
\u6bcf\u6708\u6536\u5165\uff1b<\/p>\n<\/li>\n - \n
\u6bcf\u6708\u6309\u63ed\u4f9b\u6b3e\uff1b<\/p>\n<\/li>\n - \n
\u4fe1\u7528\u5361\u53ca\u79c1\u4eba\u8cb8\u6b3e\uff1b<\/p>\n<\/li>\n - \n
Other mortgages;<\/p>\n<\/li>\n - \n
DSR\uff1b<\/p>\n<\/li>\n - \n
\u5de5\u4f5c\u53ca\u6536\u5165\u7a69\u5b9a\u6027\uff1b<\/p>\n<\/li>\n - \n
Credit Record<\/p>\n<\/li>\n - \n
\u8cc7\u7522\u53ca\u8ca0\u50b5\u3002<\/p>\n<\/li>\n<\/ul>\n \u73fe\u884c\u4e00\u822c\u7269\u696d\u6309\u63ed\u7684 DSR \u4e0a\u9650\u70ba 50%<\/strong>.<\/p>\nHKMA\u4ea6\u6307\u51fa\uff0c\u9280\u884c\u8a55\u4f30\u6309\u63ed\u9084\u6b3e\u80fd\u529b\u4e3b\u8981\u53ef\u63a1\u7528\uff1a<\/p>\n DSR-based lending<\/strong>\uff1a\u4ee5\u7a69\u5b9a\u6536\u5165\u53ca\u50b5\u52d9\u8a08\u7b97\u9084\u6b3e\u80fd\u529b\u3002<\/p>\n\u6216\u8005\uff1a<\/p>\n Net worth-based lending<\/strong>\uff1a\u5c0d\u672a\u80fd\u63d0\u4f9b\u56fa\u5b9a\u6536\u5165\u7684\u4eba\u58eb\uff0c\u4ee5\u6de8\u8cc7\u7522\u53ca\u8ca0\u50b5\u60c5\u6cc1\u8a55\u4f30\u3002<\/p>\n\u6240\u4ee5\u300c\u81ea\u50f1\u4eba\u58eb\u4e00\u5b9a\u4e0d\u80fd\u5411\u9280\u884c\u7533\u8acb\u6309\u63ed\u300d\u4e26\u4e0d\u6e96\u78ba\u3002<\/p>\n
\n\u4e00\u6309\u662f\u751a\u9ebc\uff1f<\/h1>\n\u4e00\u6309\u662f\u7269\u696d\u4e0a\u7684\u7b2c\u4e00\u9806\u4f4d\u6309\u63ed\u3002<\/strong><\/p>\n\u5b83\u4e0d\u53ea\u4ee3\u8868\u300c\u5df2\u4f9b\u6eff\u6a13\u518d\u501f\u9322\u300d\u3002<\/p>\n \u4ee5\u4e0b\u60c5\u6cc1\u90fd\u53ef\u80fd\u5f62\u6210\u4e00\u6309\uff1a<\/p>\n \n- \n
\u8cb7\u6a13\u6642\u5411\u9280\u884c\u501f\u6b3e\uff1b<\/p>\n<\/li>\n - \n
\u5df2\u4f9b\u6eff\u7269\u696d\u91cd\u65b0\u62b5\u62bc\uff1b<\/p>\n<\/li>\n - \n
\u73fe\u5951\u7269\u696d\u5957\u73fe\uff1b<\/p>\n<\/li>\n - \n
\u5c07\u5176\u4ed6\u9280\u884c\u7684\u4e00\u6309\u8f49\u81f3\u65b0\u8cb8\u6b3e\u6a5f\u69cb\u3002<\/p>\n<\/li>\n<\/ul>\n \u7b2c\u4e00\u6309\u63ed\u6b0a\u4eba\u4e00\u822c\u5728\u62b5\u62bc\u6b0a\u6b21\u5e8f\u4e0a\u6392\u5728\u5176\u5f8c\u7684\u4e8c\u6309\u4e4b\u524d\u3002<\/p>\n \u4e00\u6309\u9069\u5408\u751a\u9ebc\u4eba\uff1f<\/h2>\n\u4e00\u6309\u901a\u5e38\u8f03\u9069\u5408\uff1a<\/p>\n \n- \n
\u6c92\u6709\u73fe\u6709\u6309\u63ed\u7684\u7269\u696d\uff1b<\/p>\n<\/li>\n - \n
\u5df2\u4f9b\u6eff\u7269\u696d\uff1b<\/p>\n<\/li>\n - \n
\u6253\u7b97\u6574\u7b46\u8f49\u8d70\u820a\u6309\u63ed\uff1b<\/p>\n<\/li>\n - \n
\u9700\u8981\u8f03\u5927\u7b46\u5957\u73fe\uff1b<\/p>\n<\/li>\n - \n
\u5e0c\u671b\u628a\u591a\u9805\u8f03\u9ad8\u606f\u50b5\u52d9\u91cd\u65b0\u6574\u5408\u7684\u4eba\u58eb\u3002<\/p>\n<\/li>\n<\/ul>\n GICL\u73fe\u884c\u7269\u696d\u4e00\u6309\u8cc7\u6599\u5217\u660e\uff1a<\/p>\n \n- \n
\u8cb8\u6b3e\u984d\u6700\u9ad8\u53ef\u9054\u7269\u696d\u4f30\u503c80%\uff1b<\/p>\n<\/li>\n - \n
\u5e74\u606f\u4f4e\u81f38%\uff1b<\/p>\n<\/li>\n - \n
\u9084\u6b3e\u671f\u6700\u9577240\u671f\uff1b<\/p>\n<\/li>\n - \n
\u53ef\u63d0\u4f9b\u514d\u50b3\u7d71\u5165\u606f\u8b49\u660e\u65b9\u6848\uff1b<\/p>\n<\/li>\n - \n
\u6700\u5feb15\u5206\u9418\u53d6\u5f97\u521d\u6b65\u5be9\u6279\u7d50\u679c\uff1b<\/p>\n<\/li>\n - \n
\u6700\u5feb24\u5c0f\u6642\u5b89\u6392\u5957\u73fe\u3002<\/p>\n<\/li>\n<\/ul>\n \u4ee5\u4e0a\u5747\u5c6c\u7522\u54c1\u4e0a\u9650\u6216\u6700\u5feb\u60c5\u6cc1\uff0c\u5be6\u969b\u6279\u6838\u3001\u606f\u7387\u3001\u8cb8\u6b3e\u984d\u53ca\u653e\u6b3e\u6642\u9593\u9808\u8996\u4e4e\u500b\u5225\u7269\u696d\u53ca\u5be9\u6279\u7d50\u679c\u3002<\/strong><\/p>\n\u5167\u90e8\u9023\u7d50\uff1aGICL\u6a13\u5b87\u4e00\u6309\u670d\u52d9<\/strong><\/p>\n
\n\u4e8c\u6309\u662f\u751a\u9ebc\uff1f<\/h1>\n\u4e8c\u6309\u662f\u5728\u7269\u696d\u5df2\u6709\u7b2c\u4e00\u6309\u63ed\u7684\u60c5\u6cc1\u4e0b\uff0c\u518d\u8a2d\u7acb\u7b2c\u4e8c\u9806\u4f4d\u6309\u63ed\u53d6\u5f97\u984d\u5916\u8cb8\u6b3e\u3002<\/strong><\/p>\nFor example:<\/p>\n \n- \n
\u7269\u696d\u4f30\u503c\uff1aHK$8,000,000<\/p>\n<\/li>\n - \n
\u9280\u884c\u4e00\u6309\u5c1a\u6b20\uff1aHK$3,000,000<\/p>\n<\/li>\n - \n
\u8cb8\u6b3e\u6a5f\u69cb\u63a5\u53d7\u7e3dLTV\uff1a80%<\/p>\n<\/li>\n<\/ul>\n \u5982\u679c\u55ae\u7d14\u4ee5\u4f30\u503c\u53ca\u7d50\u6b20\u793a\u7bc4\uff1a<\/p>\n HK$8,000,000 \u00d7 80%
= HK$6,400,000<\/p>\n \u518d\u6263\u9664\uff1a<\/p>\n HK$3,000,000\u4e00\u6309\u7d50\u6b20<\/p>\n \u7406\u8ad6\u5269\u9918\u7a7a\u9593\u7d04\uff1a<\/p>\n HK$3,400,000<\/strong><\/p>\n\u5be6\u969b\u4e8c\u6309\u984d\u4ecd\u8981\u8996\u4e4e\u4f30\u50f9\u3001\u5229\u7387\u3001\u6cd5\u5f8b\u6587\u4ef6\u53ca\u8cb8\u6b3e\u6a5f\u69cb\u5be9\u6279\u3002<\/p>\n \u4e8c\u6309\u6700\u5927\u7684\u512a\u9ede<\/h2>\n\u4e8c\u6309\u6700\u5927\u7684\u4f5c\u7528\uff0c\u662f\u4e0d\u7528\u628a\u539f\u6709\u4f4e\u606f\u7b2c\u4e00\u6309\u63ed\u6574\u7b46\u8f49\u8d70<\/strong>.<\/p>\n\u4f8b\u5982\u539f\u9280\u884c\u6309\u63ed\u689d\u4ef6\u4ecd\u7136\u5438\u5f15\uff0c\u4f46\u696d\u4e3b\u7a81\u7136\u9700\u8981\uff1a<\/p>\n \n- \n
\u751f\u610f\u5468\u8f49\uff1b<\/p>\n<\/li>\n - \n
\u88dd\u4fee\uff1b<\/p>\n<\/li>\n - \n
\u7e73\u4ea4\u7a05\u6b3e\uff1b<\/p>\n<\/li>\n - \n
\u77ed\u671f\u8cc7\u91d1\uff1b<\/p>\n<\/li>\n - \n
\u6574\u5408\u5176\u4ed6\u9ad8\u6210\u672c\u8ca0\u50b5\uff1b<\/p>\n<\/li>\n<\/ul>\n \u5c31\u53ef\u4ee5\u6bd4\u8f03\u4e8c\u6309\u8207\u6574\u7b46\u8f49\u6309\u54ea\u4e00\u500b\u7e3d\u6210\u672c\u8f03\u4f4e\u3002<\/p>\n \u4e8c\u6309\u662f\u5426\u5b8c\u5168\u4e0d\u9700\u8981\u7406\u6703\u4e00\u6309\u9280\u884c\uff1f<\/h2>\n\u4e0d\u80fd\u4e00\u6982\u800c\u8ad6\u3002<\/p>\n \u7b2c\u4e00\u6309\u63ed\u6587\u4ef6\u53ef\u80fd\u5305\u542b\u6709\u95dc\u9032\u4e00\u6b65\u62b5\u62bc\u3001\u8f49\u8b93\u6216\u589e\u52a0\u7522\u6b0a\u8ca0\u64d4\u7684\u689d\u6b3e\uff0c\u800c\u7b2c\u4e8c\u6309\u63ed\u4ea6\u6d89\u53ca\u6cd5\u5f8b\u6587\u4ef6\u53ca\u767b\u8a18\u3002<\/p>\n \u56e0\u6b64\uff0c\u7533\u8acb\u524d\u61c9\u7531\u8cb8\u6b3e\u6a5f\u69cb\u53ca\u4ee3\u8868\u5f8b\u5e2b\u6aa2\u67e5\u539f\u4e00\u6309\u689d\u6b3e\u548c\u7522\u6b0a\u72c0\u6cc1\u3002<\/p>\n \u5167\u90e8\u9023\u7d50\uff1aGICL\u6a13\u5b87\u4e8c\u6309\u670d\u52d9<\/strong><\/p>\n
\n\u52a0\u6309\u662f\u751a\u9ebc\uff1f<\/h1>\n\u52a0\u6309\u901a\u5e38\u6307\u5728\u539f\u6709\u6309\u63ed\u57fa\u790e\u4e0a\u5411\u73fe\u6709\u8cb8\u6b3e\u6a5f\u69cb\u589e\u52a0\u8cb8\u6b3e\u984d\u3002<\/strong><\/p>\nFor example:<\/p>\n 5\u5e74\u524d\u8cfc\u5165\u7269\u696d\u6642\uff1a<\/p>\n \n- \n
\u6a13\u50f9\uff1aHK$6,000,000<\/p>\n<\/li>\n - \n
\u73fe\u6709\u6309\u63ed\u7d50\u6b20\uff1aHK$3,000,000<\/p>\n<\/li>\n<\/ul>\n \u73fe\u6642\u7269\u696d\u91cd\u65b0\u4f30\u503c\uff1a<\/p>\n \n- HK$8,000,000<\/li>\n<\/ul>\n
\u7269\u696d\u5347\u503c\u53ca\u4f9b\u6b3e\u6e1b\u5c11\u672c\u91d1\u5f8c\uff0c\u4fbf\u53ef\u80fd\u51fa\u73fe\u53ef\u518d\u501f\u7684\u300c\u6309\u63ed\u6c34\u4f4d\u300d\u3002<\/p>\n \u52a0\u6309\u8207\u4e8c\u6309\u6709\u751a\u9ebc\u4e0d\u540c\uff1f<\/h2>\n\u6700\u7c21\u55ae\u7684\u5206\u6cd5\uff1a<\/p>\n \u5411\u539f\u6709\u6309\u63ed\u6a5f\u69cb\u589e\u52a0\u8cb8\u6b3e \u2192 \u52a0\u6309<\/strong><\/p>\n\u4fdd\u7559\u4e00\u6309\uff0c\u518d\u7531\u53e6\u4e00\u7b46\u7b2c\u4e8c\u9806\u4f4d\u62b5\u62bc\u53d6\u5f97\u8cc7\u91d1 \u2192 \u4e8c\u6309<\/strong><\/p>\n\u5169\u8005\u90fd\u53ef\u4ee5\u9054\u5230\u5957\u73fe\u6548\u679c\uff0c\u4f46\u5229\u7387\u3001\u6587\u4ef6\u3001\u6cd5\u5f8b\u8cbb\u53ca\u6279\u6838\u901f\u5ea6\u53ef\u4ee5\u5b8c\u5168\u4e0d\u540c\u3002<\/p>\n
\n\u8f49\u6309\u662f\u751a\u9ebc\uff1f<\/h1>\n\u8f49\u6309\u662f\u6e05\u9084\u539f\u6709\u6309\u63ed\uff0c\u4e26\u5c07\u8cb8\u6b3e\u8f49\u5230\u53e6\u4e00\u9593\u8cb8\u6b3e\u6a5f\u69cb\u3002<\/strong><\/p>\n\u6700\u5e38\u898b\u539f\u56e0\u5305\u62ec\uff1a<\/p>\n \n- \n
\u539f\u6709\u6309\u63ed\u7f70\u606f\u671f\u5df2\u904e\uff1b<\/p>\n<\/li>\n - \n
\u65b0\u9280\u884c\u5229\u7387\u8f03\u597d\uff1b<\/p>\n<\/li>\n - \n
\u5e0c\u671b\u53d6\u5f97\u73fe\u91d1\u56de\u8d08\uff1b<\/p>\n<\/li>\n - \n
\u7269\u696d\u5347\u503c\u5f8c\u5957\u73fe\uff1b<\/p>\n<\/li>\n - \n
\u5e0c\u671b\u5ef6\u9577\u9084\u6b3e\u671f\uff1b<\/p>\n<\/li>\n - \n
\u6574\u5408\u73fe\u6709\u50b5\u52d9\uff1b<\/p>\n<\/li>\n - \n
\u539f\u9280\u884c\u4e0d\u9858\u610f\u63d0\u4f9b\u8db3\u5920\u52a0\u6309\u984d\u3002<\/p>\n<\/li>\n<\/ul>\n \u8f49\u6309\u4e0d\u4e00\u5b9a\u7b49\u65bc\u6173\u606f<\/h2>\n\u8a08\u7b97\u8f49\u6309\u662f\u5426\u503c\u5f97\u6642\uff0c\u9700\u8981\u6bd4\u8f03\uff1a<\/p>\n \u65b0\u6309\u63ed\u7bc0\u7701\u7684\u5229\u606f<\/strong><\/p>\n\u6e1b\u53bb\uff1a<\/p>\n \n- \n
\u539f\u9280\u884c\u7f70\u606f\uff1b<\/p>\n<\/li>\n - \n
\u73fe\u91d1\u56de\u8d08 clawback\uff1b<\/p>\n<\/li>\n - \n
Legal Fees<\/p>\n<\/li>\n - \n
\u4f30\u50f9\u53ca\u76f8\u95dc\u8cbb\u7528\uff1b<\/p>\n<\/li>\n - \n
\u65b0\u8cb8\u6b3e\u7684\u7e3d\u5229\u606f\uff1b<\/p>\n<\/li>\n - \n
Other Administrative Fees<\/p>\n<\/li>\n<\/ul>\n \u53ea\u6709\u6de8\u7bc0\u7701\u70ba\u6b63\u6578\uff0c\u624d\u771f\u6b63\u5c6c\u65bc\u300c\u6173\u606f\u300d\u3002<\/p>\n \u5167\u90e8\u9023\u7d50\uff1aGICL\u8f49\u6309\u5168\u653b\u75652026<\/strong><\/p>\n
\n\u4e00\u6309\u3001\u4e8c\u6309\u3001\u52a0\u6309\u3001\u8f49\u6309\u9ede\u63c0\uff1f<\/h1>\n\n\n\n<\/colgroup>\n\n\n| \n \u60c5\u6cc1<\/p>\n<\/th>\n | \n \u8f03\u503c\u5f97\u6bd4\u8f03\u7684\u65b9\u6848<\/p>\n<\/th>\n<\/tr>\n | \n| \n \u8cb7\u5165\u7269\u696d<\/p>\n<\/td>\n | \n \u9280\u884c\u4e00\u6309\uff0f\u5408\u8cc7\u683c\u6309\u63ed\u4fdd\u96aa<\/p>\n<\/td>\n<\/tr>\n | \n| \n \u5df2\u4f9b\u6eff\u7269\u696d\uff0c\u9700\u8981\u5927\u7b46\u5957\u73fe<\/p>\n<\/td>\n | \n First Mortgage<\/p>\n<\/td>\n<\/tr>\n | \n| \n \u60f3\u4fdd\u7559\u73fe\u6709\u4f4e\u606f\u9280\u884c\u6309\u63ed<\/p>\n<\/td>\n | \n Second Mortgage<\/p>\n<\/td>\n<\/tr>\n | \n| \n \u539f\u9280\u884c\u9858\u610f\u589e\u52a0\u8cb8\u6b3e\u984d<\/p>\n<\/td>\n | \n \"Top-up Mortgage,\"<\/p>\n<\/td>\n<\/tr>\n | \n| \n \u7f70\u606f\u671f\u5df2\u904e\uff0c\u5e0c\u671b\u66f4\u63db\u8cb8\u6b3e\u6a5f\u69cb<\/p>\n<\/td>\n | \n Refinancing<\/p>\n<\/td>\n<\/tr>\n | \n| \n \u5e0c\u671b\u6574\u5408\u4e00\u6309\u53ca\u9ad8\u606f\u4e8c\u6309<\/p>\n<\/td>\n | \n \u5408\u4f75\u8f49\u6309<\/p>\n<\/td>\n<\/tr>\n | \n| \n \u81ea\u50f1\uff0f\u50b3\u7d71\u6536\u5165\u6587\u4ef6\u4e0d\u8db3<\/p>\n<\/td>\n | \n \u9280\u884c\u6de8\u8cc7\u7522\u5be9\u6279\u6216\u6301\u724c\u8ca1\u52d9\u516c\u53f8<\/p>\n<\/td>\n<\/tr>\n | \n| \n \u6975\u77ed\u6642\u9593\u9700\u8981\u8cc7\u91d1<\/p>\n<\/td>\n | \n \u6bd4\u8f03\u6301\u724c\u8ca1\u52d9\u516c\u53f8\u7684\u6709\u62b5\u62bc\u65b9\u6848<\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n \u300c\u8f03\u503c\u5f97\u6bd4\u8f03\u300d\u4e26\u4e0d\u7b49\u65bc\u4efb\u4f55\u500b\u6848\u7684\u5fc5\u7136\u6700\u4f73\u65b9\u6848\u3002<\/p>\n \u771f\u6b63\u9700\u8981\u6bd4\u8f03\u7684\u662f\uff1a<\/p>\n APR + \u8cbb\u7528 + \u9084\u6b3e\u671f + \u7f70\u606f\u689d\u6b3e + \u7e3d\u9084\u6b3e\u984d + \u5957\u73fe\u9700\u6c42\u3002<\/strong><\/p>\n
\n\u4e09\u500b\u5e38\u898b\u696d\u4e3b\u60c5\u5883<\/h1>\n\u60c5\u5883\u4e00\uff1a\u60f3\u6e05\u9084\u9ad8\u606f\u50b5\u52d9\uff0c\u4f46\u9280\u884c\u4e00\u6309\u606f\u7387\u5f88\u4f4e<\/h2>\n\u5982\u679c\u539f\u6709\u9280\u884c\u4e00\u6309\u689d\u4ef6\u4ecd\u7136\u975e\u5e38\u5438\u5f15\uff0c\u6574\u7b46\u8f49\u6309\u53ef\u80fd\u4ee4\u5168\u90e8\u8cb8\u6b3e\u5931\u53bb\u4f4e\u606f\u689d\u4ef6\u3002<\/p>\n \u9019\u6642\u53ef\u4ee5\u540c\u6642\u6bd4\u8f03\uff1a<\/p>\n \u65b9\u6848A\uff1a\u4e8c\u6309<\/strong><\/p>\n\u4fdd\u7559\u539f\u6709\u4e00\u6309\uff0c\u53ea\u70ba\u6240\u9700\u8cc7\u91d1\u984d\u652f\u4ed8\u4e8c\u6309\u5229\u606f\u3002<\/p>\n \u65b9\u6848B\uff1a\u6574\u7b46\u8f49\u6309<\/strong><\/p>\n\u5c07\u4e00\u6309\u53ca\u5176\u4ed6\u50b5\u52d9\u5408\u4f75\uff0c\u91cd\u65b0\u8a08\u7b97\u6bcf\u6708\u4f9b\u6b3e\u53ca\u7e3d\u6210\u672c\u3002<\/p>\n \u4e0d\u80fd\u53ea\u6bd4\u8f03\u300c\u6708\u4f9b\u964d\u4f4e\u4e86\u591a\u5c11\u300d\uff0c\u9084\u61c9\u6bd4\u8f03\u6574\u500b\u8cb8\u6b3e\u671f\u7684\u5229\u606f\u3002<\/p>\n
\n\u60c5\u5883\u4e8c\uff1a\u7269\u696d\u5347\u503c\uff0c\u800c\u4e14\u539f\u9280\u884c\u7f70\u606f\u671f\u5df2\u904e<\/h2>\n\u9019\u7a2e\u60c5\u6cc1\u53ef\u6bd4\u8f03\uff1a<\/p>\n \n- \n
\u539f\u9280\u884c\u52a0\u6309\uff1b<\/p>\n<\/li>\n - \n
\u8f49\u5230\u65b0\u9280\u884c\uff1b<\/p>\n<\/li>\n - \n
\u6301\u724c\u8ca1\u52d9\u516c\u53f8\u8f49\u6309\u3002<\/p>\n<\/li>\n<\/ul>\n \u4f8b\u5982\u7269\u696d\u7531600\u842c\u5143\u5347\u81f3800\u842c\u5143\uff0c\u4e0d\u4ee3\u8868\u4e00\u5b9a\u53ef\u4ee5\u628a200\u842c\u5143\u5347\u503c\u300c\u5168\u6578\u5957\u73fe\u300d\u3002<\/p>\n \u771f\u6b63\u8a08\u7b97\u516c\u5f0f\u662f\uff1a<\/p>\n \u53ef\u63a5\u53d7\u4f30\u503c \u00d7 \u53ef\u6279LTV \u2212 \u73fe\u6709\u8cb8\u6b3e\u7d50\u6b20<\/strong><\/p>\n\u6240\u5f97\u6578\u5b57\u624d\u662f\u7406\u8ad6\u5957\u73fe\u7a7a\u9593\u3002<\/p>\n
\n\u60c5\u5883\u4e09\uff1a\u81ea\u50f1\u4eba\u58eb\u6025\u9700\u77ed\u671f\u751f\u610f\u8cc7\u91d1<\/h2>\n\u9280\u884c\u4e26\u975e\u5b8c\u5168\u4e0d\u80fd\u63a5\u53d7\u81ea\u50f1\u4eba\u58eb\uff0c\u4f46\u901a\u5e38\u9700\u8981\u8f03\u5b8c\u6574\u7684\u6536\u5165\u3001\u8cc7\u7522\u6216\u8ca1\u52d9\u8cc7\u6599\u3002<\/p>\n \u5982\u679c\u6642\u9593\u975e\u5e38\u77ed\uff0c\u53ef\u4ee5\u540c\u6642\u6bd4\u8f03\u6301\u724c\u8ca1\u52d9\u516c\u53f8\u7684\u7269\u696d\u62b5\u62bc\u65b9\u6848\u3002<\/p>\n GICL\u516c\u958b\u7522\u54c1\u8cc7\u6599\u986f\u793a\uff0c\u5408\u8cc7\u683c\u7269\u696d\u4e00\u6309\u500b\u6848\u53ef\uff1a<\/p>\n \n- \n
\u514d\u50b3\u7d71\u5165\u606f\u8b49\u660e\uff1b<\/p>\n<\/li>\n - \n
\u6700\u5feb15\u5206\u9418\u521d\u6b65\u5be9\u6279\uff1b<\/p>\n<\/li>\n - \n
\u6700\u5feb24\u5c0f\u6642\u5b89\u6392\u53d6\u6b3e\u3002<\/p>\n<\/li>\n<\/ul>\n \u5982\u679c\u9078\u64c7\u8f03\u9ad8\u6210\u672c\u7684\u5feb\u901f\u878d\u8cc7\uff0c\u66f4\u61c9\u4e8b\u5148\u8a2d\u5b9a\uff1a<\/p>\n \u4f7f\u7528\u8cc7\u91d1\u591a\u4e45\u3001\u4f55\u6642\u9084\u6b3e\u3001\u662f\u5426\u53ef\u4ee5\u8f49\u56de\u8f03\u4f4e\u6210\u672c\u9280\u884c\u8cb8\u6b3e\u3002<\/strong><\/p>\n
\n\u9280\u884c vs \u6301\u724c\u8ca1\u52d9\u516c\u53f8\uff1a2026\u6a13\u5b87\u6309\u63ed\u6bd4\u8f03<\/h1>\n\n\n\n\n<\/colgroup>\n\n\n| \n \u6bd4\u8f03<\/p>\n<\/th>\n | \n Bank<\/p>\n<\/th>\n | \n \u6301\u724c\u8ca1\u52d9\u516c\u53f8\uff0fGICL<\/p>\n<\/th>\n<\/tr>\n | \n| \n \u4e3b\u8981\u76e3\u7ba1<\/p>\n<\/td>\n | \n HKMA\u9280\u884c\u76e3\u7ba1\u6846\u67b6<\/p>\n<\/td>\n | \n \u300a\u653e\u50b5\u4eba\u689d\u4f8b\u300b\u53ca\u724c\u7167\u689d\u4ef6<\/p>\n<\/td>\n<\/tr>\n | \n| \n \u4e00\u822c\u7269\u696dLTV<\/p>\n<\/td>\n | \n \u6700\u9ad870%<\/p>\n<\/td>\n | \n \u6309\u7522\u54c1\u53ca\u98a8\u96aa\u653f\u7b56<\/p>\n<\/td>\n<\/tr>\n | \n| \n \u9ad8\u6210\u6578\u4f4f\u5b85<\/p>\n<\/td>\n | \n \u5408\u8cc7\u683c\u6309\u4fdd\u53ef\u905480%\uff0f90%<\/p>\n<\/td>\n | \n GICL\u4e00\u6309\u6700\u9ad8\u4f30\u503c80%<\/p>\n<\/td>\n<\/tr>\n | \n| \n \u9084\u6b3e\u80fd\u529b\u5be9\u67e5<\/p>\n<\/td>\n | \n DSR\u6216\u6de8\u8cc7\u7522\u8a55\u4f30<\/p>\n<\/td>\n | \n \u6309\u6a5f\u69cb\u53ca\u7522\u54c1<\/p>\n<\/td>\n<\/tr>\n | \n| \n \u50b3\u7d71\u5165\u606f\u6587\u4ef6<\/p>\n<\/td>\n | \n \u901a\u5e38\u9700\u8981\u76f8\u95dc\u8b49\u660e<\/p>\n<\/td>\n | \n GICL\u6709\u514d\u50b3\u7d71\u5165\u606f\u8b49\u660e\u65b9\u6848<\/p>\n<\/td>\n<\/tr>\n | \n| \n Approval Speed<\/p>\n<\/td>\n | \n \u8996\u9280\u884c\u53ca\u500b\u6848<\/p>\n<\/td>\n | \n GICL\u6700\u5feb15\u5206\u9418\u521d\u6b65\u5be9\u6279<\/p>\n<\/td>\n<\/tr>\n | \n| \n \u6700\u5feb\u653e\u6b3e<\/p>\n<\/td>\n | \n \u8996\u9280\u884c\u6d41\u7a0b<\/p>\n<\/td>\n | \n GICL\u6700\u5feb24\u5c0f\u6642\u5b89\u6392<\/p>\n<\/td>\n<\/tr>\n | \n| \n \u5229\u7387<\/p>\n<\/td>\n | \n Generally low<\/p>\n<\/td>\n | \n \u4e00\u822c\u8f03\u9280\u884c\u9ad8<\/p>\n<\/td>\n<\/tr>\n | \n| \n GICL\u4e00\u6309\u6700\u4f4e\u5e74\u606f<\/p>\n<\/td>\n | \n \u2014<\/p>\n<\/td>\n | \n \u4f4e\u81f38%<\/p>\n<\/td>\n<\/tr>\n | \n| \n GICL\u4e00\u6309\u6700\u9577\u5e74\u671f<\/p>\n<\/td>\n | \n \u2014<\/p>\n<\/td>\n | \n 240\u671f<\/p>\n<\/td>\n<\/tr>\n | \n| \n \u7279\u6b8a\u7269\u696d<\/p>\n<\/td>\n | \n \u8996\u9280\u884c\u653f\u7b56<\/p>\n<\/td>\n | \n GICL\u5217\u660e\u63a5\u53d7\u591a\u7a2e\u7269\u696d<\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n \u8ca1\u52d9\u516c\u53f8\u5229\u7387\u662f\u5426\u6709\u6cd5\u5f8b\u4e0a\u9650\uff1f<\/h3>\n\u6709\u3002<\/p>\n \u9999\u6e2f\u300a\u653e\u50b5\u4eba\u689d\u4f8b\u300b\u73fe\u6642\u7981\u6b62\u4ee5\u8d85\u904e \u5e74\u606f48%<\/strong> \u7684\u5be6\u969b\u5229\u7387\u653e\u8cb8\u3002<\/p>\n\u5e74\u606f\u9ad8\u65bc 36%\u4f46\u4e0d\u8d85\u904e48%<\/strong> \u7684\u8cb8\u6b3e\uff0c\u5247\u6703\u88ab\u63a8\u5b9a\u5c6c\u6572\u8a50\u6027\u4ea4\u6613\uff0c\u6cd5\u5ead\u53ef\u6309\u60c5\u6cc1\u91cd\u65b0\u5be9\u8996\u3002<\/p>\n\u56e0\u6b64\u6bd4\u8f03\u8ca1\u52d9\u516c\u53f8\u8cb8\u6b3e\u6642\uff0c\u4e0d\u61c9\u53ea\u770b\u300c\u6708\u606f\u300d\u6216\u5ba3\u50b3\u606f\u7387\uff0c\u800c\u61c9\u8981\u6c42\u4e86\u89e3\uff1a<\/p>\n \n- \n
Annual Percentage Rate (APR):<\/p>\n<\/li>\n - \n
\u5229\u606f\u7e3d\u984d\uff1b<\/p>\n<\/li>\n - \n
Legal Fees<\/p>\n<\/li>\n - \n
Handling Fees<\/p>\n<\/li>\n - \n
\u4f30\u50f9\u8cbb\uff1b<\/p>\n<\/li>\n - \n
Early repayment conditions<\/p>\n<\/li>\n - \n
Overdue fees;<\/p>\n<\/li>\n - \n
\u7e3d\u9084\u6b3e\u984d\u3002<\/p>\n<\/li>\n<\/ul>\n
\n\u672a\u88dc\u5730\u50f9\u5c45\u5c4b\u53ef\u5426\u76f4\u63a5\u505a\u7269\u696d\u6309\u63ed\uff1f<\/h1>\n\u4e0d\u80fd\u7c21\u55ae\u7406\u89e3\u70ba\u4efb\u4f55\u672a\u88dc\u5730\u50f9\u5c45\u5c4b\u90fd\u53ef\u4ee5\u81ea\u7531\u62b5\u62bc\u3002<\/strong><\/p>\n\u6839\u64da2026\u5e748\u6708\u8d77\u9069\u7528\u65bc\u6301\u724c\u653e\u50b5\u4eba\u7684\u724c\u7167\u689d\u4ef6\uff0c\u5728\u63a5\u53d7\u623f\u59d4\u6703\u8cc7\u52a9\u51fa\u552e\u55ae\u4f4d\u4f5c\u70ba\u62b5\u62bc\u524d\uff0c\u8cb8\u6b3e\u6a5f\u69cb\u9700\u8981\u53d6\u5f97\u9069\u7528\u7684\u6587\u4ef6\uff0c\u4f8b\u5982\uff1a<\/p>\n \n- \n
\u5df2\u7e73\u6e05\u89e3\u9664\u8f49\u8b93\u9650\u5236\u6240\u9700\u88dc\u50f9\u7684\u66f8\u9762\u78ba\u8a8d\uff1b\u6216<\/p>\n<\/li>\n - \n
\u623f\u5c4b\u7f72\u7f72\u9577\u6279\u51c6\u62b5\u62bc\u6216\u62bc\u8a18\u7684\u66f8\u9762\u6279\u51c6\u3002<\/p>\n<\/li>\n<\/ul>\n \u56e0\u6b64\u4efb\u4f55\u672a\u88dc\u50f9\u8cc7\u52a9\u623f\u5c4b\u500b\u6848\uff0c\u90fd\u61c9\u5148\u78ba\u8a8d\u623f\u5c4b\u653f\u7b56\u3001\u6309\u63ed\u6279\u51c6\u53ca\u6cd5\u5f8b\u6587\u4ef6\u3002<\/p>\n
\n\u7533\u8acb\u6a13\u5b87\u6309\u63ed\u524d\u8981\u6e96\u5099\u751a\u9ebc\uff1f<\/h1>\n\u4e00\u822c\u6309\u63ed\u9810\u5148\u8a55\u4f30\u53ef\u81ea\u884c\u6e96\u5099\uff1a<\/p>\n \u500b\u4eba\u8cc7\u6599<\/h3>\n\n- \n
\u6240\u6709\u696d\u4e3b\u8cc7\u6599\uff1b<\/p>\n<\/li>\n - \n
\u5de5\u4f5c\u8cc7\u6599\uff1b<\/p>\n<\/li>\n - \n
\u7e3d\u5916\u50b5\u91d1\u984d\uff1b<\/p>\n<\/li>\n<\/ul>\n Property Details<\/h3>\n\n- \n
\u7269\u696d\u5b8c\u6574\u5730\u5740\uff1b<\/p>\n<\/li>\n - \n
\u73fe\u6709\u79df\u91d1\u8cc7\u6599 (\u5982\u7269\u696d\u51fa\u79df)\uff1b<\/p>\n<\/li>\n - \n
\u6700\u65b0\u8cb8\u6b3e\u7d50\u6b20\uff1b<\/p>\n<\/li>\n - \n
\u6a13\u5951\u53ca\u76f8\u95dc\u7522\u6b0a\u80cc\u666f\u8cc7\u6599\u3002<\/p>\n<\/li>\n<\/ul>\n \u9280\u884c\u6309\u63ed\u5e38\u898b\u8ca1\u52d9\u8cc7\u6599<\/h3>\n\n- \n
Payroll Slip;<\/p>\n<\/li>\n - \n
Bank Statment;<\/p>\n<\/li>\n - \n
Tax demand notes;<\/p>\n<\/li>\n - \n
\u50f1\u50ad\u8b49\u660e\uff1b<\/p>\n<\/li>\n - \n
\u81ea\u50f1\u4eba\u58eb\u8ca1\u52d9\u8cc7\u6599\uff1b<\/p>\n<\/li>\n - \n
\u8cc7\u7522\u53ca\u8ca0\u50b5\u8b49\u660e<\/p>\n<\/li>\n - \n
\u73fe\u6709\u9280\u884c\u9084\u6b3e\u8868 (\u82e5\u7533\u8acb\u8f49\u6309)<\/p>\n<\/li>\n<\/ul>\n \u4e0d\u540c\u9280\u884c\u53ca\u8cb8\u6b3e\u6a5f\u69cb\u8981\u6c42\u4e0d\u540c\uff0c\u4e26\u6c92\u6709\u300c\u6240\u6709\u9280\u884c\u5fc5\u9808\u63d0\u4ea4\u4e09\u5e74\u7a05\u55ae\u300d\u9019\u985e\u7d71\u4e00\u898f\u5b9a\u3002<\/p>\n
\n\u6a13\u5b87\u6309\u63edFAQ<\/h1>\nQ1\uff1a\u9280\u884c\u6a13\u5b87\u6309\u63ed\u6700\u9ad8\u53ef\u4ee5\u505a\u5230\u591a\u5c11\u6210\uff1f<\/h2>\n\u73fe\u884cHKMA\u4e00\u822c\u7269\u696d\u6309\u63edLTV\u4e0a\u9650\u70ba70%\u3002\u5408\u8cc7\u683c\u4f4f\u5b85\u8cb7\u5bb6\u900f\u904eHKMC Insurance Limited\u7684\u6309\u63ed\u4fdd\u96aa\u8a08\u5283\uff0c\u53ef\u4ee5\u7533\u8acb\u9ad8\u65bc70%\u7684\u6309\u63ed\uff1b\u90e8\u5206\u7b26\u5408\u6307\u5b9a\u689d\u4ef6\u7684\u500b\u6848\u6700\u9ad8\u53ef\u905490%\u3002<\/p>\n Q2\uff1a2026\u5e74\u9280\u884c\u4ecd\u7136\u9700\u8981\u505a+2%\u58d3\u529b\u6e2c\u8a66\u55ce\uff1f<\/h2>\n\u904e\u5f80\u5047\u8a2d\u6309\u63ed\u5229\u7387\u4e0a\u5347200\u57fa\u9ede\u7684\u76e3\u7ba1\u58d3\u529b\u6e2c\u8a66\u8981\u6c42\u5df2\u65bc2024\u5e742\u6708\u66ab\u505c\u3002\u4f46\u9280\u884c\u4ecd\u6703\u8a55\u4f30DSR\u3001\u6536\u5165\u3001\u8ca0\u50b5\u3001\u4fe1\u8cb8\u53ca\u6574\u9ad4\u9084\u6b3e\u80fd\u529b\u3002<\/p>\n Q3\uff1a\u751a\u9ebc\u662f\u4e00\u6309\uff1f<\/h2>\n\u4e00\u6309\u662f\u7269\u696d\u4e0a\u7684\u7b2c\u4e00\u9806\u4f4d\u6309\u63ed\uff0c\u53ef\u7528\u65bc\u8cb7\u6a13\u3001\u73fe\u5951\u7269\u696d\u5957\u73fe\u6216\u8f49\u6309\u3002\u7b2c\u4e00\u6309\u63ed\u6b0a\u4eba\u5728\u62b5\u62bc\u9806\u4f4d\u4e0a\u901a\u5e38\u512a\u5148\u65bc\u5176\u5f8c\u7684\u4e8c\u6309\u3002<\/p>\n Q4\uff1a\u751a\u9ebc\u662f\u4e8c\u6309\uff1f<\/h2>\n\u4e8c\u6309\u662f\u5728\u5df2\u6709\u7b2c\u4e00\u6309\u63ed\u7684\u7269\u696d\u4e0a\u518d\u5efa\u7acb\u7b2c\u4e8c\u9806\u4f4d\u6709\u62b5\u62bc\u8cb8\u6b3e\u3002\u512a\u9ede\u662f\u53ef\u4ee5\u4fdd\u7559\u539f\u6709\u4e00\u6309\uff0c\u4f46\u4e8c\u6309\u5229\u7387\u53ca\u7e3d\u6210\u672c\u4e00\u822c\u8f03\u9280\u884c\u7b2c\u4e00\u6309\u63ed\u9ad8\u3002<\/p>\n Q5\uff1a\u52a0\u6309\u548c\u4e8c\u6309\u6709\u751a\u9ebc\u5206\u5225\uff1f<\/h2>\n\u52a0\u6309\u901a\u5e38\u662f\u5411\u73fe\u6709\u6309\u63ed\u6a5f\u69cb\u589e\u52a0\u8cb8\u6b3e\uff1b\u4e8c\u6309\u5247\u662f\u5728\u7b2c\u4e00\u6309\u63ed\u4fdd\u7559\u7684\u60c5\u6cc1\u4e0b\u589e\u52a0\u53e6\u4e00\u500b\u8f03\u5f8c\u9806\u4f4d\u7684\u62b5\u62bc\u8cb8\u6b3e\u3002<\/p>\n Q6\uff1a\u8f49\u6309\u751a\u9ebc\u6642\u5019\u8f03\u9069\u5408\uff1f<\/h2>\n\u5982\u679c\u7f70\u606f\u671f\u5df2\u904e\u3001\u65b0\u6309\u63ed\u7e3d\u6210\u672c\u8f03\u4f4e\u3001\u7269\u696d\u5347\u503c\u6709\u5957\u73fe\u7a7a\u9593\uff0c\u6216\u8005\u9700\u8981\u6574\u5408\u50b5\u52d9\uff0c\u53ef\u4ee5\u6bd4\u8f03\u8f49\u6309\u3002\u4f46\u61c9\u628a\u5f8b\u5e2b\u8cbb\u3001\u7f70\u606f\u53ca\u56de\u8d08\u9000\u9084\u7b49\u6210\u672c\u4e00\u4f75\u8a08\u7b97\u3002<\/p>\n Q7\uff1a\u81ea\u50f1\u4eba\u58eb\u6c92\u6709\u56fa\u5b9a\u7ce7\u55ae\u662f\u5426\u4e00\u5b9a\u4e0d\u80fd\u505a\u9280\u884c\u6309\u63ed\uff1f<\/h2>\n\u4e0d\u662f\u3002HKMA\u6307\u51fa\u9280\u884c\u9664DSR\u6536\u5165\u5be9\u6279\u5916\uff0c\u4ea6\u53ef\u63a1\u7528\u6de8\u8cc7\u7522\u65b9\u5f0f\u8a55\u4f30\u90e8\u5206\u672a\u80fd\u63d0\u4f9b\u56fa\u5b9a\u6536\u5165\u8b49\u660e\u7684\u4eba\u58eb\u3002\u6700\u7d42\u4ecd\u53d6\u6c7a\u65bc\u9280\u884c\u4fe1\u8cb8\u653f\u7b56\u3002<\/p>\n Q8\uff1a\u806f\u540d\u7269\u696d\u662f\u5426\u53ef\u4ee5\u4e00\u500b\u696d\u4e3b\u81ea\u884c\u6309\u63ed\uff1f<\/h2>\n\u8981\u8996\u4e4e\u696d\u6b0a\u5f62\u5f0f\u3001\u64ec\u62b5\u62bc\u7684\u662f\u6574\u500b\u7269\u696d\u9084\u662f\u500b\u5225\u696d\u6b0a\u4efd\u984d\uff0c\u4ee5\u53ca\u8cb8\u6b3e\u6a5f\u69cb\u653f\u7b56\u3002\u6d89\u53ca\u806f\u540d\u3001\u5171\u540c\u64c1\u6709\u6216\u4e0d\u5206\u5272\u4efd\u6578\u7684\u500b\u6848\uff0c\u61c9\u5148\u7531\u5f8b\u5e2b\u67e5\u95b1\u571f\u5730\u8a3b\u518a\u53ca\u7522\u6b0a\u6587\u4ef6\uff0c\u4e0d\u80fd\u55ae\u6191\u300c\u6301\u6709\u4e00\u534a\u696d\u6b0a\u300d\u5224\u65b7\u4e00\u5b9a\u53ef\u55ae\u65b9\u9762\u6309\u63ed\u3002<\/p>\n Q9\uff1a\u505a\u4e8c\u6309\u5f8c\u539f\u9280\u884c\u4e00\u5b9a\u4e0d\u6703\u77e5\u9053\u55ce\uff1f<\/h2>\n\u4e0d\u61c9\u4f5c\u6b64\u4fdd\u8b49\u3002\u7269\u696d\u6309\u63ed\u6d89\u53ca\u6cd5\u5f8b\u6587\u4ef6\u53ca\u571f\u5730\u8a3b\u518a\uff0c\u800c\u7b2c\u4e00\u6309\u63ed\u6587\u4ef6\u4ea6\u53ef\u80fd\u9650\u5236\u984d\u5916\u62b5\u62bc\u3002\u7533\u8acb\u4e8c\u6309\u524d\u61c9\u7531\u8cb8\u6b3e\u6a5f\u69cb\u53ca\u5f8b\u5e2b\u78ba\u8a8d\u539f\u6709\u4e00\u6309\u689d\u6b3e\u3002<\/p>\n Q10\uff1aGICL\u6a13\u5b87\u4e00\u6309\u53ef\u4ee5\u501f\u591a\u5c11\uff1f<\/h2>\n\u6309\u7167GICL\u76ee\u524d\u516c\u958b\u7522\u54c1\u8cc7\u6599\uff0c\u7269\u696d\u4e00\u6309\u8cb8\u6b3e\u984d\u6700\u9ad8\u53ef\u9054\u7269\u696d\u4f30\u503c80%\uff0c\u5e74\u606f\u4f4e\u81f38%\uff0c\u6700\u9577\u9084\u6b3e\u671f240\u671f\u3002\u5be6\u969b\u8cb8\u6b3e\u984d\u3001\u606f\u7387\u53ca\u6279\u6838\u689d\u4ef6\u8996\u4e4e\u7269\u696d\u4f30\u50f9\u53ca\u500b\u5225\u5be9\u6279\u3002<\/p>\n Q11\uff1aGICL\u63a5\u53d7\u54ea\u4e9b\u7269\u696d\uff1f<\/h2>\n\u76ee\u524d\u516c\u958b\u7522\u54c1\u8cc7\u6599\u5217\u51fa\u7684\u7269\u696d\u985e\u578b\u5305\u62ec\u79c1\u4eba\u4f4f\u5b85\u3001\u5510\u6a13\u3001\u6751\u5c4b\u3001\u5df2\u7b26\u5408\u76f8\u95dc\u62b5\u62bc\u689d\u4ef6\u7684\u8cc7\u52a9\u623f\u5c4b\u3001\u5de5\u5ec8\u3001\u5546\u8216\u3001\u5beb\u5b57\u6a13\u3001\u8eca\u4f4d\u53ca\u5176\u4ed6\u5408\u8cc7\u683c\u7269\u696d\u3002<\/p>\n Q12\uff1a\u7533\u8acb\u8ca1\u52d9\u516c\u53f8\u6309\u63ed\u6700\u91cd\u8981\u770b\u751a\u9ebc\uff1f<\/h2>\n\u4e0d\u8981\u53ea\u6bd4\u8f03\u300c\u53ef\u4ee5\u501f\u5e7e\u591a\u300d\u3002<\/p>\n \u6700\u91cd\u8981\u61c9\u540c\u6642\u6bd4\u8f03\uff1a<\/p>\n \u5be6\u969b\u5e74\u5229\u7387\u3001\u7e3d\u9084\u6b3e\u984d\u3001\u9084\u6b3e\u671f\u3001\u6309\u63ed\u6210\u6578\u3001\u5f8b\u5e2b\u53ca\u5176\u4ed6\u8cbb\u7528\u3001\u63d0\u65e9\u9084\u6b3e\u689d\u6b3e\uff0c\u4ee5\u53ca\u65e5\u5f8c\u80fd\u5426\u8f49\u56de\u6210\u672c\u8f03\u4f4e\u7684\u9280\u884c\u8cb8\u6b3e\u3002<\/strong><\/p>\n
\n2026\u6a13\u5b87\u6309\u63ed\u7533\u8acbChecklist<\/h1>\n\n- \n
\u78ba\u5b9a\u9700\u8981\u4e00\u6309\u3001\u4e8c\u6309\u3001\u52a0\u6309\u9084\u662f\u8f49\u6309<\/p>\n<\/li>\n - \n
\u5148\u53d6\u5f97\u6700\u65b0\u7269\u696d\u4f30\u50f9<\/p>\n<\/li>\n - \n
\u67e5\u6e05\u73fe\u6709\u6309\u63ed\u7d50\u6b20<\/p>\n<\/li>\n - \n
\u67e5\u770b\u9280\u884c\u7f70\u606f\u671f<\/p>\n<\/li>\n - \n
\u8a08\u7b97\u53ef\u7528\u6309\u63ed\u6c34\u4f4d<\/p>\n<\/li>\n - \n
\u6bd4\u8f03\u5be6\u969b\u5e74\u5229\u7387\u800c\u975e\u53ea\u770b\u6708\u606f<\/p>\n<\/li>\n - \n
\u8a08\u7b97\u7e3d\u5229\u606f\u53ca\u7e3d\u9084\u6b3e\u984d<\/p>\n<\/li>\n - \n
\u67e5\u770b\u5f8b\u5e2b\u8cbb\u3001\u4f30\u50f9\u8cbb\u53ca\u5176\u4ed6\u8cbb\u7528<\/p>\n<\/li>\n - \n
\u67e5\u770b\u63d0\u65e9\u9084\u6b3e\u5b89\u6392<\/p>\n<\/li>\n - \n
\u4e8c\u6309\u524d\u67e5\u770b\u539f\u4e00\u6309\u689d\u6b3e<\/p>\n<\/li>\n - \n
\u806f\u540d\u7269\u696d\u5148\u78ba\u8a8d\u7522\u6b0a\u53ca\u7c3d\u7f72\u8981\u6c42<\/p>\n<\/li>\n - \n
\u8cc7\u52a9\u623f\u5c4b\u5148\u78ba\u8a8d\u653f\u5e9c\u62b5\u62bc\u6279\u51c6<\/p>\n<\/li>\n - \n
\u78ba\u8a8d\u8cb8\u6b3e\u6a5f\u69cb\u6301\u6709\u6709\u6548\u653e\u50b5\u4eba\u724c\u7167<\/p>\n<\/li>\n - \n
\u70ba\u77ed\u671f\u878d\u8cc7\u9810\u5148\u8a2d\u5b9a\u9000\u51fa\uff0f\u8f49\u56de\u9280\u884c\u8a08\u5283<\/p>\n<\/li>\n<\/ul>\n
\n\u7d50\u8ad6\uff1a\u4e00\u6309\u3001\u4e8c\u6309\u3001\u52a0\u6309\u53ca\u8f49\u6309\u61c9\u8a72\u9ede\u63c0\uff1f<\/h1>\n\u6c92\u6709\u4e00\u7a2e\u6309\u63ed\u9069\u5408\u6240\u6709\u696d\u4e3b\u3002<\/p>\n \u5982\u679c\u76ee\u6a19\u662f\u8cb7\u6a13\u53ca\u9577\u671f\u4f4e\u6210\u672c\u878d\u8cc7<\/strong>\uff0c\u901a\u5e38\u61c9\u5148\u6bd4\u8f03\u9280\u884c\u4e00\u6309\u53ca\u5408\u8cc7\u683c\u6309\u63ed\u4fdd\u96aa\u3002<\/p>\n\u5982\u679c\u5df2\u6709\u975e\u5e38\u4f4e\u606f\u7684\u4e00\u6309\uff0c\u53c8\u53ea\u9700\u8981\u984d\u5916\u4e00\u7b46\u8cc7\u91d1\uff0c\u5247\u53ef\u4ee5\u6bd4\u8f03Second Mortgage<\/strong>.<\/p>\n\u5982\u679c\u539f\u8cb8\u6b3e\u6a5f\u69cb\u9858\u610f\u6309\u6700\u65b0\u4f30\u50f9\u589e\u52a0\u8cb8\u6b3e\uff0c\u5247\u53ef\u4ee5\u7814\u7a76\"Top-up Mortgage,\"<\/strong>.<\/p>\n\u5982\u679c\u539f\u6709\u6309\u63ed\u7f70\u606f\u671f\u5df2\u904e\uff0c\u800c\u5e02\u5834\u4e0a\u6709\u66f4\u5408\u9069\u7684\u606f\u7387\u3001\u56de\u8d08\u6216\u5957\u73fe\u689d\u4ef6\uff0c\u5c31\u53ef\u4ee5\u8a08\u7b97Refinancing<\/strong>\u662f\u5426\u771f\u6b63\u964d\u4f4e\u7e3d\u6210\u672c\u3002<\/p>\n\u81f3\u65bc\u9280\u884c\u6e20\u9053\u672a\u80fd\u6eff\u8db3\u9700\u8981\u3001\u81ea\u50f1\u6536\u5165\u6587\u4ef6\u4e0d\u8db3\u3001\u7269\u696d\u985e\u578b\u7279\u6b8a\u6216\u8cc7\u91d1\u9700\u6c42\u975e\u5e38\u6025\u7684\u696d\u4e3b\uff0c\u53ef\u4ee5\u6bd4\u8f03\u6301\u724c\u8ca1\u52d9\u516c\u53f8\u7684\u6709\u62b5\u62bc\u8cb8\u6b3e\u65b9\u6848\uff0c\u4f46\u61c9\u6e05\u695a\u4e86\u89e3\u5be6\u969b\u5e74\u5229\u7387\u3001\u7e3d\u9084\u6b3e\u984d\u53ca\u9000\u51fa\u5b89\u6392\u3002<\/p>\n GICL\u74b0\u7403\u4fe1\u8cb8\u76ee\u524d\u63d0\u4f9b\u4e00\u6309\u3001\u4e8c\u6309\u53ca\u8f49\u6309\u7b49\u7269\u696d\u8cb8\u6b3e\u65b9\u6848\uff0c\u7269\u696d\u4e00\u6309\u6700\u9ad8\u53ef\u9054\u4f30\u503c80%\uff0c\u5e74\u606f\u4f4e\u81f38%\uff0c\u4e26\u8a2d\u6709\u514d\u50b3\u7d71\u5165\u606f\u8b49\u660e\u53ca\u5feb\u901f\u521d\u6b65\u5be9\u6279\u65b9\u6848\u3002<\/p>\n \u6240\u6709\u8cb8\u6b3e\u5747\u6d89\u53ca\u5229\u606f\u53ca\u8ca1\u52d9\u627f\u64d4\u3002\u6700\u9ad8\u8cb8\u6b3e\u984d\u3001\u6700\u4f4e\u606f\u7387\u53ca\u6700\u5feb\u6279\u6838\u6642\u9593\u5747\u4e0d\u4ee3\u8868\u6240\u6709\u7533\u8acb\u5747\u53ef\u7372\u5f97\u76f8\u540c\u689d\u4ef6\uff0c\u5be6\u969b\u689d\u6b3e\u4ee5\u6b63\u5f0f\u5be9\u6279\u53ca\u8cb8\u6b3e\u6587\u4ef6\u70ba\u6e96\u3002<\/strong><\/p>\n\u672c\u6587\u4e3b\u8981\u8cc7\u6599\u4f86\u6e90<\/h2>\n\n- \n
\u9999\u6e2f\u91d1\u878d\u7ba1\u7406\u5c40\uff08HKMA\uff09\uff1a\u7269\u696d\u6309\u63edLTV\u53caDSR\u76e3\u7ba1\u8981\u6c42<\/p>\n<\/li>\n - \n
\u9999\u6e2f\u91d1\u878d\u7ba1\u7406\u5c40\uff1a\u4f4f\u5b85\u6309\u63ed\u53ca\u8ca0\u8cc7\u7522\u7d71\u8a08<\/p>\n<\/li>\n - \n
HKMC Insurance Limited\uff1aMortgage Insurance Programme<\/p>\n<\/li>\n - \n
\u516c\u53f8\u8a3b\u518a\u8655\uff1a\u6301\u724c\u653e\u50b5\u4eba\u724c\u7167\u689d\u4ef6\u53ca\u300a\u653e\u50b5\u4eba\u689d\u4f8b\u300b\u8cc7\u6599<\/p>\n<\/li>\n - \n
GICL\u74b0\u7403\u4fe1\u8cb8\uff1a\u7269\u696d\u4e00\u6309\u53ca\u4e8c\u6309\u516c\u958b\u7522\u54c1\u8cc7\u6599<\/p>\n<\/li>\n<\/ul>\n \u8cc7\u6599\u622a\u81f32026\u5e748\u6708\u3002\u9280\u884c\u3001\u6309\u63ed\u4fdd\u96aa\u53ca\u8cb8\u6b3e\u7522\u54c1\u689d\u4ef6\u6703\u4e0d\u6642\u66f4\u65b0\uff0c\u6b63\u5f0f\u7533\u8acb\u6642\u61c9\u4ee5\u76f8\u95dc\u6a5f\u69cb\u6700\u65b0\u516c\u5e03\u53ca\u500b\u5225\u5be9\u6279\u70ba\u6e96\u3002<\/strong><\/p>","protected":false},"excerpt":{"rendered":"\u6a13\u5b87\u6309\u63ed\u5168\u6307\u53572026\uff5c\u4e00\u6309\u3001\u4e8c\u6309\u3001\u8f49\u6309\u9ede\u63c0\u597d\uff1f \u6a13\u5b87\u6309\u63ed2026\uff5c\u4e00\u6309\u3001\u4e8c\u6309\u3001\u8f49\u6309\u3001\u52a0\u6309\u6210\u6578\u3001\u5229\u7387\u53ca\u7533\u8acb\u6bd4\u8f03 […]<\/p>\n","protected":false},"author":3,"featured_media":8006,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[48],"tags":[],"class_list":["post-8007","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-geo-content"],"acf":[],"_links":{"self":[{"href":"https:\/\/gicl.com.hk\/en\/wp-json\/wp\/v2\/posts\/8007","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=8007"}],"version-history":[{"count":1,"href":"https:\/\/gicl.com.hk\/en\/wp-json\/wp\/v2\/posts\/8007\/revisions"}],"predecessor-version":[{"id":8008,"href":"https:\/\/gicl.com.hk\/en\/wp-json\/wp\/v2\/posts\/8007\/revisions\/8008"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/gicl.com.hk\/en\/wp-json\/wp\/v2\/media\/8006"}],"wp:attachment":[{"href":"https:\/\/gicl.com.hk\/en\/wp-json\/wp\/v2\/media?parent=8007"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/gicl.com.hk\/en\/wp-json\/wp\/v2\/categories?post=8007"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/gicl.com.hk\/en\/wp-json\/wp\/v2\/tags?post=8007"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}} | | |
![\"Property](\"https:\/\/gicl.com.hk\/wp-content\/uploads\/2026\/04\/finance-ads-970-x-250px-1024x264.png\")
<\/p>\n