{"id":8106,"date":"2026-10-14T18:40:33","date_gmt":"2026-10-14T10:40:33","guid":{"rendered":"https:\/\/gicl.com.hk\/?p=8106"},"modified":"2026-10-14T18:55:45","modified_gmt":"2026-10-14T10:55:45","slug":"property-deposit-forfeiture-short-term-mortgage","status":"publish","type":"post","link":"https:\/\/gicl.com.hk\/en\/property-deposit-forfeiture-short-term-mortgage\/","title":{"rendered":"\u64bb\u8a02\u8ce0\u5e7e\u591a\uff1f\u9280\u884c\u8d95\u5514\u5207\u6279\u6309\u63ed\u9ede\u6551\uff1f3\u5929\u904e\u6578\u7684\u77ed\u671f\u4e00\u6309\u65b9\u6848"},"content":{"rendered":"<p>\u81e8\u8fd1\u6210\u4ea4\u65e5\uff0c\u9280\u884c\u6309\u63ed\u4ecd\u672a\u6279\u51fa\uff0c\u662f\u4e0d\u5c11\u7269\u696d\u8cb7\u5bb6\u6700\u6182\u616e\u7684\u8655\u5883\u3002\u4e00\u65e6\u7121\u6cd5\u5982\u671f\u5b8c\u6210\u4ea4\u6613\uff0c\u6700\u76f4\u63a5\u4ee3\u50f9\u662f\u88ab\u8ce3\u65b9\u6c92\u6536\u5df2\u4ed8\u8a02\u91d1\uff0c\u4fd7\u7a31\u300c\u64bb\u8a02\u300d\uff1b\u82e5\u8ce3\u65b9\u5176\u5f8c\u4ee5\u8f03\u4f4e\u50f9\u683c\u91cd\u552e\u55ae\u4f4d\uff0c\u8cb7\u5bb6\u751a\u81f3\u53ef\u80fd\u88ab\u8ffd\u8a0e\u5dee\u50f9\u3002\u672c\u6587\u6703\u5f9e\u64bb\u8a02\u610f\u601d\u8aaa\u8d77\uff0c\u9010\u6b65\u62c6\u89e3\u64bb\u8a02\u8ce0\u511f\u7684\u8a08\u7b97\u65b9\u5f0f\u3001\u5c45\u5c4b\u64bb\u8a02\u5f8c\u679c\uff0c\u4ee5\u53ca\u7576\u9280\u884c\u8d95\u5514\u5207\u6279\u6309\u63ed\u6642\uff0c\u6709\u54ea\u4e9b\u5be6\u969b\u53ef\u884c\u7684\u61c9\u5c0d\u65b9\u5411\u3002<\/p>\n<p><\/p>\n<p>\u00a0<\/p>\n<h2>Table of Contents<\/h2>\n<p><\/p>\n<ul>\n<li><a href=\"#toc-1\">\u4ec0\u9ebc\u662f\u300c\u64bb\u8a02\u300d\uff1f<\/a><\/li>\n<li><a href=\"#toc-2\">\u64bb\u8a02\u5e38\u898b\u6210\u56e0<\/a><\/li>\n<li><a href=\"#toc-3\">\u64bb\u8a02\u8ce0\u5e7e\u591a\uff1f\u8a02\u91d1\u640d\u5931\u8207\u8ffd\u5dee\u50f9\u8a08\u7b97<\/a><\/li>\n<li><a href=\"#toc-4\">\u4e00\u624b\u3001\u4e8c\u624b\u8207\u5c45\u5c4b\u64bb\u8a02\u5f8c\u679c\u5dee\u7570<\/a><\/li>\n<li><a href=\"#toc-5\">\u9280\u884c\u8d95\u5514\u5207\u6279\u6309\u63ed\u9ede\u6551\uff1f\u907f\u514d\u64bb\u8a02\u7684\u66ff\u4ee3\u65b9\u6848<\/a><\/li>\n<li><a href=\"#toc-6\">\u77ed\u671f\u4e00\u6309\uff1a3 \u5929\u904e\u6578\u7684\u6551\u6025\u65b9\u6848<\/a><\/li>\n<li><a href=\"#toc-7\">FAQ<\/a>\n<ul>\n<li><a href=\"#toc-8\">\u64bb\u8a02\u4e00\u5b9a\u6703\u88ab\u8ffd\u5dee\u50f9\u55ce\uff1f<\/a><\/li>\n<li><a href=\"#toc-9\">\u5c45\u5c4b\u64bb\u8a02\u5f8c\u679c\u6703\u5426\u5f71\u97ff\u65e5\u5f8c\u518d\u7533\u8acb\u8cc7\u52a9\u623f\u5c4b\uff1f<\/a><\/li>\n<li><a href=\"#toc-10\">\u9280\u884c\u6309\u63ed\u8d95\u4e0d\u53ca\u6279\u51fa\uff0c\u53ef\u4ee5\u9ede\u907f\u514d\u64bb\u8a02\uff1f<\/a><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><\/p>\n<p>\u00a0<\/p>\n<h2 id=\"toc-1\">\u4ec0\u9ebc\u662f\u300c\u64bb\u8a02\u300d\uff1f<\/h2>\n<p>\u300c\u64bb\u8a02\u300d\u662f\u9999\u6e2f\u7269\u696d\u8cb7\u8ce3\u7684\u5e38\u7528\u8aaa\u6cd5\uff0c\u6307\u8cb7\u5bb6\u5728\u7c3d\u7f72\u8cb7\u8ce3\u5408\u7d04\u5f8c\u672a\u6709\u6309\u6642\u5b8c\u6210\u4ea4\u6613\uff0c\u4e26\u653e\u68c4\u5df2\u4ed8\u8a02\u91d1\u3002\u7531\u65bc\u8a02\u91d1\u6703\u88ab\u8ce3\u65b9\u6c92\u6536\uff0c\u574a\u9593\u4ea6\u4fd7\u7a31\u300c\u6bba\u8a02\u300d\u3002\u8981\u5b8c\u6574\u638c\u63e1\u64bb\u8a02\u610f\u601d\uff0c\u53ef\u4ee5\u5148\u5206\u8fa8\u5169\u500b\u968e\u6bb5\uff1a\u7b2c\u4e00\uff0c\u7c3d\u7f72\u81e8\u6642\u8cb7\u8ce3\u5408\u7d04\u5f8c\u672a\u7c3d\u6b63\u5f0f\u5408\u7d04\u4fbf\u653e\u68c4\u4ea4\u6613\uff0c\u901a\u5e38\u53ea\u640d\u5931\u81e8\u6642\u8a02\u91d1\uff0c\u5373\u300c\u7d30\u8a02\u300d\uff1b\u7b2c\u4e8c\uff0c\u5df2\u7c3d\u7f72\u6b63\u5f0f\u8cb7\u8ce3\u5408\u7d04\u5f8c\u624d\u9055\u7d04\uff0c\u5247\u6703\u88ab\u6c92\u6536\u8f03\u5927\u984d\u8a02\u91d1\uff0c\u5373\u300c\u5927\u8a02\u300d\uff0c\u4e26\u6709\u8f03\u5927\u6a5f\u6703\u9762\u5c0d\u5176\u4ed6\u6cd5\u5f8b\u8ffd\u8a0e\u3002<\/p>\n<p>\u7121\u8ad6\u662f\u54ea\u500b\u968e\u6bb5\uff0c\u64bb\u8a02\u4e00\u7d93\u767c\u751f\uff0c\u8cb7\u5bb6\u4e0d\u50c5\u5931\u53bb\u8a02\u91d1\uff0c\u4ea6\u53ef\u80fd\u5f71\u97ff\u65e5\u5f8c\u8207\u5176\u4ed6\u8ce3\u65b9\u8b70\u50f9\u7684\u57fa\u790e\u3002\u7c3d\u7d04\u524d\u5be9\u614e\u8a55\u4f30\u81ea\u5df1\u7684\u8ca1\u52d9\u72c0\u6cc1\uff0c\u662f\u4e0d\u5c11\u8cb7\u5bb6\u63a1\u7528\u7684\u98a8\u96aa\u7ba1\u7406\u505a\u6cd5\u3002<\/p>\n<p><\/p>\n<p>\u00a0<\/p>\n<h2 id=\"toc-2\"><b><\/b>\u64bb\u8a02\u5e38\u898b\u6210\u56e0<\/h2>\n<p>\u00a0<\/p>\n<h3>\u8a08\u932f\u6578\uff0f\u8ca1\u52d9\u80fd\u529b\u8a55\u4f30\u932f\u8aa4<\/h3>\n<p>\u90e8\u5206\u8cb7\u5bb6\u5728\u7c3d\u7d04\u6642\uff0c\u9ad8\u4f30\u4e86\u81ea\u5df1\u7684\u4f9b\u6b3e\u80fd\u529b\uff0c\u6216\u4f4e\u4f30\u4e86\u9996\u671f\u3001\u5370\u82b1\u7a05\u3001\u7d93\u7d00\u4f63\u91d1\u53ca\u88dd\u4fee\u7b49\u96dc\u8cbb\u958b\u652f\u3002\u7576\u771f\u6b63\u9700\u8981\u62ff\u51fa\u8cc7\u91d1\u6210\u4ea4\u6642\uff0c\u624d\u767c\u73fe\u5132\u5099\u4e0d\u8db3\u4ee5\u61c9\u4ed8\uff0c\u6700\u7d42\u53ea\u80fd\u9078\u64c7\u64bb\u8a02\u3002\u9019\u7a2e\u60c5\u6cc1\u5728\u9996\u6b21\u7f6e\u696d\u4eba\u58eb\u4e2d\u4e26\u4e0d\u7f55\u898b\uff0c\u56e0\u70ba\u4ed6\u5011\u5c0d\u7f6e\u696d\u7e3d\u958b\u652f\u7684\u4f30\u7b97\u5f80\u5f80\u8f03\u70ba\u6a02\u89c0\u3002<\/p>\n<p><\/p>\n<p>\u00a0<\/p>\n<h3>\u6309\u63ed\u5514\u6279\u6216\u6279\u51fa\u4e0d\u8db3<\/h3>\n<p>\u9280\u884c\u6279\u6838\u6309\u63ed\u9700\u6642\uff0c\u90e8\u5206\u8cb7\u5bb6\u53ef\u80fd\u56e0\u70ba\u6536\u5165\u8b49\u660e\u3001\u4fe1\u8cb8\u8a55\u7d1a\u6216\u7269\u696d\u4f30\u50f9\u7b49\u554f\u984c\uff0c\u672a\u80fd\u7372\u6279\u8db3\u5920\u6309\u63ed\uff0c\u751a\u81f3\u88ab\u62d2\u6279\u3002\u7576\u9280\u884c\u6309\u63ed\u6279\u5514\u5207\uff0c\u6216\u6279\u51fa\u6210\u6578\u8207\u9810\u671f\u6709\u51fa\u5165\uff0c\u8cb7\u5bb6\u4fbf\u96e3\u4ee5\u5728\u9650\u671f\u524d\u7c4c\u8db3\u8cc7\u91d1\u5b8c\u6210\u4ea4\u6613\u3002\u9019\u4e00\u985e\u60c5\u6cc1\u5728\u81e8\u8fd1\u6210\u4ea4\u65e5\u6642\u7279\u5225\u68d8\u624b\uff0c\u4ea6\u662f\u6700\u5e38\u898b\u7684\u64bb\u8a02\u98a8\u96aa\u4e4b\u4e00\u3002<\/p>\n<p><\/p>\n<p>\u00a0<\/p>\n<h3>\u5e02\u6cc1\u7a81\u8b8a\u53ca\u4f30\u50f9\u4e0d\u8db3<\/h3>\n<p>\u6a13\u5e02\u8d70\u52e2\u6ce2\u52d5\uff0c\u82e5\u7c3d\u7d04\u5f8c\u7269\u696d\u4f30\u50f9\u4e0b\u8dcc\uff0c\u9280\u884c\u9858\u610f\u627f\u9020\u7684\u6309\u63ed\u6210\u6578\u53ef\u80fd\u76f8\u61c9\u6e1b\u5c11\uff0c\u8cb7\u5bb6\u9700\u8981\u88dc\u4ed8\u66f4\u5927\u984d\u9996\u671f\u3002\u53e6\u4e00\u65b9\u9762\uff0c\u90e8\u5206\u8cb7\u5bb6\u56e0\u5c0d\u5f8c\u5e02\u4fe1\u5fc3\u8f49\u5f31\uff0c\u6216\u500b\u4eba\u8ca1\u52d9\u72c0\u6cc1\u7a81\u7136\u6539\u8b8a\uff0c\u800c\u9078\u64c7\u7d42\u6b62\u4ea4\u6613\u3002\u9019\u4e9b\u56e0\u7d20\u90fd\u53ef\u80fd\u5728\u77ed\u671f\u5167\u51fa\u73fe\uff0c\u4ee4\u8cb7\u5bb6\u9677\u5165\u64bb\u8a02\u7684\u56f0\u5c40\u3002<\/p>\n<p><\/p>\n<p>\u00a0<\/p>\n<h2 id=\"toc-3\"><b><\/b>\u64bb\u8a02\u8ce0\u5e7e\u591a\uff1f\u8a02\u91d1\u640d\u5931\u8207\u8ffd\u5dee\u50f9\u8a08\u7b97<\/h2>\n<p>\u64bb\u8a02\u8ce0\u511f\u4e26\u975e\u55ae\u4e00\u91d1\u984d\uff0c\u800c\u662f\u6309\u4ea4\u6613\u968e\u6bb5\u53ca\u8ce3\u65b9\u5be6\u969b\u640d\u5931\u800c\u5b9a\u3002\u7c21\u55ae\u4f86\u8aaa\uff0c\u6700\u5c11\u8755\u8a02\u91d1\uff0c\u6700\u58de\u60c5\u6cc1\u662f\u88ab\u8ffd\u6536\u91cd\u552e\u5dee\u50f9\u3002\u4ee5\u4e0b\u900f\u904e\u5047\u8a2d\u793a\u4f8b\uff0c\u5177\u9ad4\u8aaa\u660e\u4e0d\u540c\u7684\u8ce0\u511f\u60c5\u5883\u3002\u4ee5\u4e0b\u70ba\u64bb\u8a02\u8ce0\u511f\u60c5\u5883\u5c0d\u7167\u8868\uff0c\u91d1\u984d\u53ca\u6578\u5b57\u5747\u5c6c\u5047\u8a2d\u793a\u4f8b\uff1a<\/p>\n<p><\/p>\n<table cellpadding=\"0\" cellspacing=\"0\" style=\"border-collapse: collapse;\">\n<tbody>\n<tr>\n<td style=\"border: 1px solid #000000; padding: 6px;\" valign=\"middle\">\n<p><strong>\u60c5\u5883<\/strong><\/p>\n<\/td>\n<td style=\"border: 1px solid #000000; padding: 6px;\" valign=\"middle\">\n<p><strong>\u640d\u5931\u9805\u76ee<\/strong><\/p>\n<\/td>\n<td style=\"border: 1px solid #000000; padding: 6px;\" valign=\"middle\">\n<p><strong>\u6703\u5426\u88ab\u8ffd\u5dee\u50f9<\/strong><\/p>\n<\/td>\n<td style=\"border: 1px solid #000000; padding: 6px;\" valign=\"middle\">\n<p><strong>\u8ce0\u511f\u7bc4\u570d\u6982\u5ff5<\/strong><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #000000; padding: 6px;\" valign=\"middle\">\n<p>\u53ea\u64bb\u7d30\u8a02<\/p>\n<\/td>\n<td style=\"border: 1px solid #000000; padding: 6px;\" valign=\"middle\">\n<p>\u81e8\u6642\u8a02\u91d1<\/p>\n<\/td>\n<td style=\"border: 1px solid #000000; padding: 6px;\" valign=\"middle\">\n<p>\u4e00\u822c\u4e0d\u8ffd\u5dee\u50f9<\/p>\n<\/td>\n<td style=\"border: 1px solid #000000; padding: 6px;\" valign=\"middle\">\n<p>\u8996\u4e4e\u5408\u7d04\u689d\u6b3e\u53ca\u8ce3\u65b9\u6c7a\u5b9a<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #000000; padding: 6px;\" valign=\"middle\">\n<p>\u64bb\u5927\u8a02<\/p>\n<\/td>\n<td style=\"border: 1px solid #000000; padding: 6px;\" valign=\"middle\">\n<p>\u5df2\u4ed8\u8a02\u91d1\u53ca\u76f8\u95dc\u958b\u652f<\/p>\n<\/td>\n<td style=\"border: 1px solid #000000; padding: 6px;\" valign=\"middle\">\n<p>\u6709\u6a5f\u6703\u88ab\u8ffd\u5dee\u50f9<\/p>\n<\/td>\n<td style=\"border: 1px solid #000000; padding: 6px;\" valign=\"middle\">\n<p>\u8996\u4e4e\u8ce3\u65b9\u5be6\u969b\u640d\u5931\u800c\u5b9a<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #000000; padding: 6px;\" valign=\"middle\">\n<p>\u64bb\u8a02\u5f8c\u88ab\u8ffd\u5dee\u50f9<\/p>\n<\/td>\n<td style=\"border: 1px solid #000000; padding: 6px;\" valign=\"middle\">\n<p>\u5df2\u6c92\u6536\u8a02\u91d1\uff0b\u91cd\u552e\u5dee\u50f9<\/p>\n<\/td>\n<td style=\"border: 1px solid #000000; padding: 6px;\" valign=\"middle\">\n<p>\u6703\uff08\u82e5\u91cd\u552e\u50f9\u4f4e\u65bc\u539f\u5408\u7d04\u50f9\uff09<\/p>\n<\/td>\n<td style=\"border: 1px solid #000000; padding: 6px;\" valign=\"middle\">\n<p>\u53d7\u300a\u6642\u6548\u689d\u4f8b\u300b\u9650\u5236\uff0c\u8ffd\u8a0e\u671f\u4e00\u822c\u70ba6\u5e74<\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><\/p>\n<p>\u8a08\u7b97\u793a\u4f8b\uff1a\u5047\u8a2d\u7269\u696d\u6210\u4ea4\u50f9\u70ba600\u842c\u5143\uff0c\u8cb7\u5bb6\u5df2\u4ed8\u8a02\u91d1\u5408\u5171\u70ba60\u842c\u5143\u3002<\/p>\n<p><\/p>\n<p>\u82e5\u8cb7\u5bb6\u64bb\u8a02\uff0c\u8ce3\u65b9\u5148\u6c92\u6536\u8a7260\u842c\u5143\u8a02\u91d1\u3002\u5176\u5f8c\uff0c\u8ce3\u65b9\u4ee5540\u842c\u5143\u91cd\u552e\u55ae\u4f4d\uff0c\u91cd\u552e\u50f9\u4f4e\u65bc\u539f\u5408\u7d04\u50f960\u842c\u5143\uff08600\u842c\u6e1b540\u842c\uff09\u3002\u5728\u6b64\u793a\u4f8b\u4e2d\uff0c\u8ce3\u65b9\u6709\u6a5f\u6703\u5411\u8cb7\u5bb6\u8ffd\u8a0e\u8a7260\u842c\u5143\u5dee\u50f9\uff0c\u8cb7\u5bb6\u7e3d\u640d\u5931\u6709\u6a5f\u6703\u9054120\u842c\u5143\u3002<\/p>\n<p><\/p>\n<p>\u503c\u5f97\u7559\u610f\u7684\u662f\uff0c\u8ffd\u8a0e\u5dee\u50f9\u4e26\u975e\u5fc5\u7136\u81ea\u52d5\u767c\u751f\uff1b\u82e5\u8ce3\u65b9\u672a\u6709\u91cd\u552e\uff0c\u6216\u91cd\u552e\u50f9\u4e0d\u4f4e\u65bc\u539f\u5408\u7d04\u50f9\uff0c\u4fbf\u4e0d\u5177\u5099\u5dee\u50f9\u640d\u5931\u7684\u57fa\u790e\u3002\u5373\u4f7f\u8ce3\u65b9\u6709\u610f\u8ffd\u8a0e\uff0c\u4ea6\u9808\u53d7\u300a\u6642\u6548\u689d\u4f8b\u300b\u6240\u9650\uff0c\u4e00\u822c\u70ba6\u5e74\u5167\u63d0\u51fa\u3002\u5be6\u969b\u8ce0\u511f\u91d1\u984d\u9808\u8996\u4e4e\u81e8\u6642\u8cb7\u8ce3\u5408\u7d04\u53ca\u6b63\u5f0f\u5408\u7d04\u7684\u689d\u6b3e\uff0c\u4ea6\u53d7\u6cd5\u5f8b\u539f\u5247\u898f\u9650\u3002<\/p>\n<p><\/p>\n<p>\u00a0<\/p>\n<h2 id=\"toc-4\">\u4e00\u624b\u3001\u4e8c\u624b\u8207\u5c45\u5c4b\u64bb\u8a02\u5f8c\u679c\u5dee\u7570<\/h2>\n<p>\u4e0d\u540c\u7269\u696d\u985e\u5225\u7684\u64bb\u8a02\u5f8c\u679c\u6709\u660e\u986f\u5206\u5225\u3002\u4e00\u624b\u65b0\u76e4\u7684\u8ce3\u65b9\u591a\u70ba\u767c\u5c55\u5546\uff0c\u6b63\u5f0f\u8cb7\u8ce3\u5408\u7d04\u968e\u6bb5\u64bb\u8a02\uff0c\u6709\u8f03\u5927\u6a5f\u6703\u88ab\u6c92\u6536\u8a02\u91d1\u53ca\u8ffd\u8a0e\u91cd\u552e\u5dee\u50f9\uff1b\u4e8c\u624b\u5e02\u5834\u5247\u8996\u4e4e\u500b\u5225\u8ce3\u65b9\u53d6\u614b\u53ca\u5408\u7d04\u689d\u6b3e\uff1b\u5c45\u5c4b\u56e0\u5c6c\u8cc7\u52a9\u623f\u5c4b\uff0c\u9664\u640d\u5931\u8a02\u91d1\u5916\uff0c\u6216\u6703\u5f71\u97ff\u65e5\u5f8c\u518d\u7533\u8acb\u8cc7\u52a9\u623f\u5c4b\u7684\u8cc7\u683c\u3002\u5be6\u969b\u5b89\u6392\u4ee5\u623f\u59d4\u6703\u6700\u65b0\u516c\u5e03\u70ba\u6e96\u3002<\/p>\n<p><\/p>\n<p>\u00a0<\/p>\n<h2 id=\"toc-5\">\u9280\u884c\u8d95\u5514\u5207\u6279\u6309\u63ed\u9ede\u6551\uff1f\u907f\u514d\u64bb\u8a02\u7684\u66ff\u4ee3\u65b9\u6848<\/h2>\n<p>\u00a0<\/p>\n<h3>\u8207\u8ce3\u65b9\u5546\u8a0e\u5ef6\u671f\u6210\u4ea4<\/h3>\n<p>\u5ef6\u671f\u6210\u4ea4\u662f\u6700\u76f4\u63a5\u7684\u8655\u7406\u65b9\u6cd5\uff0c\u4f46\u5fc5\u9808\u5f97\u5230\u8ce3\u65b9\u540c\u610f\u3002\u90e8\u5206\u8ce3\u65b9\u82e5\u672c\u8eab\u4e0d\u6025\u65bc\u6536\u6b3e\uff0c\u6216\u540c\u6a23\u9700\u8981\u6642\u9593\u8655\u7406\u5f8c\u7e8c\u5b89\u6392\uff0c\u53ef\u80fd\u9858\u610f\u5ef6\u9577\u6210\u4ea4\u671f\uff1b\u4f46\u82e5\u8ce3\u65b9\u5df2\u8a08\u5283\u5176\u4ed6\u8cc7\u91d1\u5b89\u6392\uff0c\u4fbf\u672a\u5fc5\u63a5\u53d7\u5ef6\u671f\u3002\u8d8a\u63a5\u8fd1\u6210\u4ea4\u65e5\uff0c\u5546\u8a0e\u7a7a\u9593\u901a\u5e38\u8d8a\u5c0f\uff0c\u63d0\u51fa\u5ef6\u671f\u7684\u6642\u6a5f\u76f8\u7576\u95dc\u9375\u3002\u5ef6\u671f\u6210\u4ea4\u7684\u5be6\u969b\u689d\u6b3e\u5c6c\u96d9\u65b9\u5354\u5546\u7d50\u679c\uff0c\u4e26\u975e\u8cb7\u5bb6\u55ae\u65b9\u9762\u53ef\u4ee5\u6c7a\u5b9a\u3002<\/p>\n<p><\/p>\n<p>\u00a0<\/p>\n<h3>\u5c0b\u6c42\u77ed\u671f\u4e00\u6309\u904e\u6e21\u8cc7\u91d1<\/h3>\n<p>\u53e6\u4e00\u7a2e\u505a\u6cd5\u662f\u900f\u904e\u77ed\u671f\u4e00\u6309\u5148\u5b8c\u6210\u6210\u4ea4\uff0c\u5f85\u9280\u884c\u6309\u63ed\u6279\u51fa\u5f8c\u518d\u511f\u9084\u77ed\u671f\u8cb8\u6b3e\u3002\u9019\u7a2e\u904e\u6e21\u5b89\u6392\u7684\u6982\u5ff5\uff0c\u662f\u4ee5\u6642\u9593\u63db\u53d6\u7a7a\u9593\uff0c\u964d\u4f4e\u56e0\u9280\u884c\u5be9\u6279\u5ef6\u8aa4\u800c\u76f4\u63a5\u64bb\u8a02\u7684\u98a8\u96aa\u3002\u77ed\u671f\u4e00\u6309\u7684\u5be6\u969b\u4f5c\u7528\uff0c\u662f\u70ba\u5df2\u7372\u9280\u884c\u539f\u5247\u6027\u6279\u6838\u3001\u4f46\u672a\u8d95\u53ca\u5728\u6210\u4ea4\u65e5\u524d\u653e\u6b3e\u7684\u8cb7\u5bb6\u63d0\u4f9b\u8cc7\u91d1\u5468\u8f49\u7a7a\u9593\u3002\u6b64\u985e\u5b89\u6392\u727d\u6d89\u984d\u5916\u5229\u606f\u53ca\u624b\u7e8c\u8cbb\uff0c\u7533\u8acb\u524d\u4e86\u89e3\u6e05\u695a\u6574\u9ad4\u878d\u8cc7\u6210\u672c\u53ca\u9084\u6b3e\u5b89\u6392\uff0c\u662f\u5be9\u614e\u7684\u505a\u6cd5\u3002\u5be6\u969b\u8cb8\u6b3e\u689d\u6b3e\u53ca\u8cbb\u7528\u9808\u4ee5\u91d1\u878d\u6a5f\u69cb\u6700\u7d42\u6279\u6838\u70ba\u6e96\u3002<\/p>\n<p><\/p>\n<p>\u00a0<\/p>\n<h2 id=\"toc-6\">\u77ed\u671f\u4e00\u6309\uff1a3 \u5929\u904e\u6578\u7684\u6551\u6025\u65b9\u6848<\/h2>\n<p>\u5728\u9280\u884c\u6309\u63ed\u8d95\u5514\u5207\u6279\u51fa\u7684\u60c5\u6cc1\u4e0b\uff0c\u77ed\u671f\u4e00\u6309\u53ef\u70ba\u8cb7\u5bb6\u63d0\u4f9b\u53e6\u4e00\u51fa\u8def\u3002\u574a\u9593\u90e8\u5206\u8cb8\u6b3e\u6a5f\u69cb\u63d0\u4f9b\u7269\u696d\u77ed\u671f\u4e00\u6309\u65b9\u6848\uff0c\u7279\u9ede\u662f\u5be9\u6279\u7a0b\u5e8f\u76f8\u5c0d\u76f4\u63a5\uff0c\u653e\u6b3e\u901f\u5ea6\u8f03\u5feb\u3002\u4ee5GICL\u74b0\u7403\u4fe1\u8cb8\u7684\u77ed\u671f\u4e00\u6309\u70ba\u4f8b\uff0c\u6700\u5feb\u53ef\u65bc3\u5929\u5167\u904e\u6578\uff0c\u8b93\u8cb7\u5bb6\u5f97\u4ee5\u5728\u77ed\u6642\u9593\u5167\u7c4c\u96c6\u8cc7\u91d1\u5b8c\u6210\u6210\u4ea4\uff0c\u964d\u4f4e\u56e0\u6642\u9593\u843d\u5dee\u800c\u64bb\u8a02\u7684\u98a8\u96aa\u3002\u5be6\u969b\u653e\u6b3e\u6642\u9593\u9808\u8996\u4e4e\u500b\u5225\u7533\u8acb\u60c5\u6cc1\uff0c\u5be6\u969b\u689d\u6b3e\u53ca\u8cbb\u7528\u4ee5\u6a5f\u69cb\u6700\u7d42\u6279\u6838\u70ba\u6e96\u3002<\/p>\n<p><\/p>\n<p>\u00a0<\/p>\n<h2 id=\"toc-7\">FAQ<\/h2>\n<p>\u00a0<\/p>\n<h3 id=\"toc-8\"><b><\/b>\u64bb\u8a02\u4e00\u5b9a\u6703\u88ab\u8ffd\u5dee\u50f9\u55ce\uff1f<\/h3>\n<p>\u4e0d\u4e00\u5b9a\u3002\u8ffd\u5dee\u50f9\u901a\u5e38\u4ee5\u8ce3\u65b9\u5728\u64bb\u8a02\u5f8c\u91cd\u552e\u55ae\u4f4d\uff0c\u4e26\u4ee5\u4f4e\u65bc\u539f\u5408\u7d04\u50f9\u6210\u4ea4\u70ba\u524d\u63d0\uff1b\u82e5\u8ce3\u65b9\u672a\u6709\u91cd\u552e\uff0c\u6216\u91cd\u552e\u50f9\u4e0d\u4f4e\u65bc\u539f\u5408\u7d04\u50f9\uff0c\u4fbf\u4e0d\u5177\u5099\u5dee\u50f9\u640d\u5931\u7684\u57fa\u790e\u3002\u56e0\u6b64\uff0c\u64bb\u8a02\u662f\u5426\u88ab\u8ffd\u5dee\u50f9\uff0c\u9808\u8996\u4e4e\u500b\u6848\u4e8b\u5be6\u53ca\u8ce3\u65b9\u6c7a\u5b9a\u800c\u5b9a\u3002<\/p>\n<p><\/p>\n<p>\u00a0<\/p>\n<h3 id=\"toc-9\"><b><\/b>\u5c45\u5c4b\u64bb\u8a02\u5f8c\u679c\u6703\u5426\u5f71\u97ff\u65e5\u5f8c\u518d\u7533\u8acb\u8cc7\u52a9\u623f\u5c4b\uff1f<\/h3>\n<p>\u5c45\u5c4b\u3001\u7da0\u7f6e\u5c45\u53ca\u5176\u4ed6\u8cc7\u52a9\u51fa\u552e\u55ae\u4f4d\u7684\u64bb\u8a02\u6216\u53d6\u6d88\u4ea4\u6613\u5f8c\u679c\uff0c\u9808\u8996\u4e4e\u6240\u53c3\u8207\u8a08\u5283\u3001\u7533\u8acb\u4eba\u8eab\u5206\u53ca\u7c3d\u7f72\u7684\u6587\u4ef6\u800c\u5b9a\u3002<\/p>\n<p><\/p>\n<p>\u00a0<\/p>\n<h3 id=\"toc-10\">\u9280\u884c\u6309\u63ed\u8d95\u4e0d\u53ca\u6279\u51fa\uff0c\u53ef\u4ee5\u9ede\u907f\u514d\u64bb\u8a02\uff1f<\/h3>\n<p>\u5e02\u5834\u4e0a\u5e38\u898b\u7684\u61c9\u5c0d\u65b9\u5411\u6709\u5169\u500b\uff1a\u4e00\u662f\u8207\u8ce3\u65b9\u5354\u5546\u5ef6\u9577\u6210\u4ea4\u671f\uff1b\u4e8c\u662f\u4ee5\u77ed\u671f\u4e00\u6309\uff0f\u904e\u6a4b\u8cb8\u6b3e\u5148\u5b8c\u6210\u6210\u4ea4\u3002\u524d\u8005\u9700\u8981\u8ce3\u65b9\u540c\u610f\uff0c\u5f8c\u8005\u6d89\u53ca\u984d\u5916\u878d\u8cc7\u6210\u672c\u3002\u7c3d\u7d04\u524d\u9810\u7559\u5145\u8db3\u6642\u9593\u8655\u7406\u6309\u63ed\u7533\u8acb\uff0c\u4e26\u70ba\u7a81\u767c\u60c5\u6cc1\u6e96\u5099\u5f8c\u5099\u8cc7\u91d1\uff0c\u662f\u5e38\u898b\u7684\u98a8\u96aa\u7ba1\u7406\u505a\u6cd5\u3002<\/p>\n<p>\u00a0<\/p>\n<h2><b>Conclusion<\/b><\/h2>\n<p>\u64bb\u8a02\u6240\u5e36\u4f86\u7684\u8ca1\u52d9\u4ee3\u50f9\uff0c\u4e26\u4e0d\u9650\u65bc\u5df2\u4ed8\u8a02\u91d1\u3002\u8996\u4e4e\u7269\u696d\u985e\u5225\u53ca\u8ce3\u65b9\u5b89\u6392\uff0c\u8cb7\u5bb6\u9084\u53ef\u80fd\u9762\u5c0d\u5dee\u50f9\u8ffd\u8a0e\u3001\u6cd5\u5f8b\u8a34\u8a1f\uff0c\u751a\u81f3\u5f71\u97ff\u65e5\u5f8c\u7533\u8acb\u8cc7\u52a9\u623f\u5c4b\u7684\u8cc7\u683c\u3002\u77ed\u671f\u4e00\u6309\u4ee5\u904e\u6a4b\u8cc7\u91d1\u5148\u5b8c\u6210\u6210\u4ea4\uff0c\u80fd\u70ba\u8cb7\u5bb6\u722d\u53d6\u6642\u9593\uff0c\u8b93\u6b63\u5f0f\u6309\u63ed\u6709\u66f4\u5145\u88d5\u7684\u6279\u6838\u7a7a\u9593\u3002<\/p>\n<p>For more information on property mortgages and the credit market, please visit<a href=\"https:\/\/gicl.com.hk\/en\/\">GICL Global Credit Official Website<\/a>Obtain relevant reference materials.<\/p>\n<p>References:<br \/>\nHong Kong Monetary Authority:<a href=\"https:\/\/www.hkma.gov.hk\/chi\/smart-consumers\/mortgages\/\" target=\"_blank\" rel=\"noopener\">\u6309\u63ed<\/a> <b><br \/>\n<\/b>Hong Kong Monetary Authority:<a href=\"https:\/\/www.hkma.gov.hk\/media\/chi\/doc\/other-information\/FAQ_table_(c).pdf\" target=\"_blank\" rel=\"noopener\">\u6309\u63ed\u6210\u6578\u8207\u4f9b\u6b3e\u5165\u606f\u6bd4\u7387\u9644\u8868<\/a><br \/>\n\u9999\u6e2f\u623f\u5c4b\u59d4\u54e1\u6703\uff1a<a href=\"https:\/\/www.housingauthority.gov.hk\/tc\/common\/pdf\/global-elements\/forms\/flat-application\/HD274.pdf\" target=\"_blank\" rel=\"noopener\">\u516c\u5171\u79df\u4f4f\u623f\u5c4b\u7533\u8acb\u9808\u77e5<\/a><\/p>","protected":false},"excerpt":{"rendered":"<p>\u81e8\u8fd1\u6210\u4ea4\uff0c\u9280\u884c\u6309\u63ed\u672a\u6279\uff0c\u64bb\u8a02\u53ef\u80fd\u640d\u5931\u8a02\u91d1\uff0c\u751a\u81f3\u88ab\u8ffd\u5dee\u50f9\u3002\u672c\u6587\u62c6\u89e3\u64bb\u8a02\u610f\u601d\u3001\u5c45\u5c4b\u64bb\u8a02\u5f8c\u679c\uff0c\u4ee5\u53ca\u77ed\u671f\u4e00\u63093\u5929\u904e\u6578\u5982\u4f55\u964d\u4f4e\u64bb\u8a02\u98a8\u96aa\u3002<\/p>","protected":false},"author":3,"featured_media":8035,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-8106","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\/8106","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=8106"}],"version-history":[{"count":1,"href":"https:\/\/gicl.com.hk\/en\/wp-json\/wp\/v2\/posts\/8106\/revisions"}],"predecessor-version":[{"id":8107,"href":"https:\/\/gicl.com.hk\/en\/wp-json\/wp\/v2\/posts\/8106\/revisions\/8107"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/gicl.com.hk\/en\/wp-json\/wp\/v2\/media\/8035"}],"wp:attachment":[{"href":"https:\/\/gicl.com.hk\/en\/wp-json\/wp\/v2\/media?parent=8106"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/gicl.com.hk\/en\/wp-json\/wp\/v2\/categories?post=8106"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/gicl.com.hk\/en\/wp-json\/wp\/v2\/tags?post=8106"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}