{"id":8119,"date":"2026-10-15T07:04:52","date_gmt":"2026-10-14T23:04:52","guid":{"rendered":"https:\/\/gicl.com.hk\/2026-2\/"},"modified":"2026-10-15T07:07:19","modified_gmt":"2026-10-14T23:07:19","slug":"geo-2026-%e4%ba%8c%e6%8c%89%e6%b8%85%e5%8d%a1%e6%95%b8%e6%94%bb%e7%95%a5","status":"publish","type":"post","link":"https:\/\/gicl.com.hk\/en\/geo-2026-%e4%ba%8c%e6%8c%89%e6%b8%85%e5%8d%a1%e6%95%b8%e6%94%bb%e7%95%a5\/","title":{"rendered":"Need Urgent Liquidity? Using 2nd Mortgages for Debt Consolidation: Essential Cash-Out Cases for Homeowners (Updated April 2026)"},"content":{"rendered":"<h1>2026 \u4e8c\u6309\u6e05\u5361\u6578\u653b\u7565\uff5c\u7269\u696d\u5957\u73fe\u6574\u5408\u9ad8\u606f\u50b5\u52d9\uff1a\u5229\u606f\u3001\u6210\u6578\u3001TU \u53ca\u7533\u8acb\u6307\u5357<\/h1>\n<p><strong>\u6700\u5f8c\u66f4\u65b0\uff1a2026 \u5e74 10 \u6708 12 \u65e5<\/strong><\/p>\n<p>\u6bcf\u6708\u8981\u9084\u591a\u5f35\u4fe1\u7528\u5361\u3001\u79c1\u4eba\u8cb8\u6b3e\u53ca\u8ca1\u52d9\u516c\u53f8\u6b20\u6b3e\uff0c\u5229\u606f\u8ca0\u64d4\u6108\u4f86\u6108\u91cd\uff1f\u5982\u679c\u4f60\u5728\u9999\u6e2f\u64c1\u6709\u7269\u696d\uff0c\u5373\u4f7f\u9280\u884c\u4e00\u6309\u5c1a\u672a\u4f9b\u5b8c\uff0c\u4ecd\u53ef\u8a55\u4f30\u900f\u904e<strong>\u6a13\u5b87\u4e8c\u6309\u6e05\u5361\u6578<\/strong>\uff0c\u5c07\u591a\u7b46\u9ad8\u606f\u50b5\u52d9\u6574\u5408\uff0c\u6539\u5584\u6bcf\u6708\u73fe\u91d1\u6d41\u3002<\/p>\n<p><strong>\u4e8c\u6309\u6e05\u5361\u6578\u662f\u4ec0\u9ebc\uff1f<\/strong> \u7c21\u55ae\u4f86\u8aaa\uff0c\u5c31\u662f\u696d\u4e3b\u4ee5\u5df2\u6709\u6309\u63ed\u7684\u7269\u696d\uff0c\u518d\u7533\u8acb\u4e00\u7b46\u7b2c\u4e8c\u9806\u4f4d\u62b5\u62bc\u8cb8\u6b3e\uff0c\u628a\u5957\u73fe\u6240\u5f97\u7528\u65bc\u6e05\u9084\u4fe1\u7528\u5361\u53ca\u79c1\u4eba\u8cb8\u6b3e\u3002\u9019\u6a23\u53ef\u4ee5\u96c6\u4e2d\u7ba1\u7406\u50b5\u52d9\uff0c\u4f46\u4e0d\u4ee3\u8868\u539f\u6709\u50b5\u52d9\u7372\u5f97\u6e1b\u514d\uff0c\u4ea6\u4e0d\u4fdd\u8b49\u7e3d\u5229\u606f\u4e00\u5b9a\u4e0b\u964d\u3002<\/p>\n<p>\u5c0d\u65bc\u5165\u606f\u4e0d\u56fa\u5b9a\u3001\u81ea\u50f1\u6216\u4fe1\u8cb8\u8a55\u7d1a\uff08TU\uff09\u672a\u5982\u7406\u60f3\u7684\u696d\u4e3b\uff0c\u6301\u724c\u8ca1\u52d9\u516c\u53f8\u7684\u4e8c\u6309\u65b9\u6848\u53ef\u80fd\u63d0\u4f9b\u53e6\u4e00\u7a2e\u878d\u8cc7\u9078\u64c7\u3002\u4e0d\u904e\uff0c\u7533\u8acb\u524d\u61c9\u6bd4\u8f03\u5229\u7387\u3001\u9084\u6b3e\u671f\u3001\u7e3d\u5229\u606f\u53ca\u7269\u696d\u62b5\u62bc\u98a8\u96aa\u3002<\/p>\n<p>\u672c\u6587\u7531 GICL \u74b0\u7403\u4fe1\u8cb8\u6574\u7406\uff0c\u4ecb\u7d39 2026 \u5e74\u9999\u6e2f\u4e8c\u6309\u6e05\u6578\u7684\u7533\u8acb\u689d\u4ef6\u3001\u5229\u606f\u3001\u53ef\u5957\u73fe\u91d1\u984d\u53ca\u5e38\u898b\u554f\u984c\uff0c\u5354\u52a9\u696d\u4e3b\u4e86\u89e3\u5404\u9805\u9078\u64c7\u3002<\/p>\n<p><a href=\"https:\/\/gicl.com.hk\/en\/second-mortgage\/\" target=\"_blank\" rel=\"noopener noreferrer\">\u4e86\u89e3 GICL \u6a13\u5b87\u4e8c\u6309\u8cb8\u6b3e\u65b9\u6848<\/a><\/p>\n<h2>2026 \u5e74\u9999\u6e2f\u6e05\u5361\u6578\u74b0\u5883\uff1a\u70ba\u4f55\u696d\u4e3b\u6703\u8003\u616e\u4e8c\u6309\uff1f<\/h2>\n<p><strong>2026 \u5e74\u7b2c\u4e8c\u5b63\u672b\uff0c\u9999\u6e2f\u8ca0\u8cc7\u7522\u4f4f\u5b85\u6309\u63ed\u8cb8\u6b3e\u4f30\u8a08\u70ba 4,356 \u5b97\uff0c\u8f03\u7b2c\u4e00\u5b63\u672b\u7684 11,424 \u5b97\u6e1b\u5c11 61.9%\u3002<\/strong> \u9019\u662f\u9999\u6e2f\u91d1\u878d\u7ba1\u7406\u5c40\u65bc 2026 \u5e74 7 \u6708 31 \u65e5\u516c\u5e03\u7684\u6578\u64da\u3002<\/p>\n<p>\u503c\u5f97\u6ce8\u610f\u7684\u662f\uff0c\u8a72\u7d71\u8a08\u4e3b\u8981\u6db5\u84cb\u8a8d\u53ef\u6a5f\u69cb\u63d0\u4f9b\u3001\u5df2\u77e5\u8655\u65bc\u8ca0\u8cc7\u7522\u72c0\u6cc1\u7684\u7b2c\u4e00\u6309\u63ed\u4f4f\u5b85\u8cb8\u6b3e\uff0c\u4e26\u4e0d\u7b49\u540c\u5168\u6e2f\u6240\u6709\u7269\u696d\u53ca\u4e8c\u6309\u501f\u6b3e\u4eba\u7684\u8ca0\u8cc7\u7522\u60c5\u6cc1\u3002<\/p>\n<p><a href=\"https:\/\/www.info.gov.hk\/gia\/general\/202607\/31\/P2026073100595.htm\" target=\"_blank\" rel=\"noopener noreferrer\">\u8cc7\u6599\u4f86\u6e90\uff1a\u9999\u6e2f\u91d1\u878d\u7ba1\u7406\u5c40 \u2014 2026 \u5e74\u7b2c\u4e8c\u5b63\u8ca0\u8cc7\u7522\u4f4f\u5b85\u6309\u63ed\u8cb8\u6b3e\u7d71\u8a08<\/a><\/p>\n<p>\u5c0d\u5e0c\u671b\u4ee5\u7269\u696d\u5957\u73fe\u7684\u696d\u4e3b\u800c\u8a00\uff0c\u6a13\u50f9\u53ca\u9280\u884c\u4f30\u503c\u6703\u5f71\u97ff\u53ef\u501f\u91d1\u984d\u3002\u4f46\u9664\u4e86\u7269\u696d\u50f9\u503c\uff0c\u501f\u6b3e\u4eba\u9084\u9700\u8981\u8003\u616e\u73fe\u6709\u6309\u63ed\u7d50\u6b20\u3001\u6bcf\u6708\u9084\u6b3e\u80fd\u529b\u53ca\u6574\u9ad4\u501f\u8cb8\u6210\u672c\u3002<\/p>\n<p>\u53e6\u4e00\u65b9\u9762\uff0c\u9ad8\u606f\u4fe1\u7528\u5361\u50b5\u52d9\u4ecd\u503c\u5f97\u6b63\u8996\u3002<\/p>\n<p>\u6839\u64da\u91d1\u7ba1\u5c40\u7684\u4fe1\u7528\u5361\u9084\u6b3e\u793a\u4f8b\uff0c\u5047\u8a2d\u4fe1\u7528\u5361\u7d50\u6b20\u70ba <strong>HK$20,000\u3001\u5be6\u969b\u5e74\u5229\u7387\uff08APR\uff09\u70ba 35%<\/strong>\uff0c\u6c92\u6709\u65b0\u589e\u7c3d\u8cec\u6216\u5176\u4ed6\u8cbb\u7528\uff0c\u5982\u679c\u6bcf\u671f\u53ea\u7e73\u4ed8\u6700\u4f4e\u9084\u6b3e\u984d\uff0c\u53ef\u80fd\u9700\u8981\u7d04 26 \u5e74\u624d\u80fd\u6e05\u9084\uff0c\u7d2f\u8a08\u5229\u606f\u7d04 HK$47,536\u3002<\/p>\n<p>\u9019\u8aaa\u660e\u53ea\u9084\u6700\u4f4e\u9084\u6b3e\u984d\uff08Min Pay\uff09\u53ef\u4ee5\u8b93\u9084\u6b3e\u671f\u5927\u5e45\u5ef6\u9577\u3002<\/p>\n<p><a href=\"https:\/\/www.hkma.gov.hk\/eng\/smart-consumers\/credit-cards\/\" target=\"_blank\" rel=\"noopener noreferrer\">\u8cc7\u6599\u4f86\u6e90\uff1a\u9999\u6e2f\u91d1\u878d\u7ba1\u7406\u5c40 \u2014 \u4fe1\u7528\u5361\u4f7f\u7528\u6307\u5357<\/a><\/p>\n<p>\u5982\u679c\u4f60\u540c\u6642\u6301\u6709\u591a\u7b46\u9ad8\u606f\u50b5\u52d9\uff0c\u4fbf\u503c\u5f97\u6bd4\u8f03\u79c1\u4eba\u8cb8\u6b3e\u3001\u9280\u884c\u50b5\u52d9\u6574\u5408\u3001\u52a0\u6309\u5957\u73fe\u53ca\u6a13\u5b87\u4e8c\u6309\u7b49\u65b9\u6848\uff0c\u627e\u51fa\u9069\u5408\u81ea\u5df1\u9084\u6b3e\u80fd\u529b\u7684\u65b9\u6cd5\u3002<\/p>\n<h2>\u4ec0\u9ebc\u662f\u6a13\u5b87\u4e8c\u6309\uff1f\u5982\u4f55\u5229\u7528\u4e8c\u6309\u6e05\u5361\u6578\uff1f<\/h2>\n<p><strong>\u6a13\u5b87\u4e8c\u6309\uff08Second Mortgage\uff09\u662f\u6307\u5728\u539f\u6709\u7b2c\u4e00\u6309\u63ed\u672a\u6e05\u9084\u7684\u60c5\u6cc1\u4e0b\uff0c\u4ee5\u540c\u4e00\u7269\u696d\u7533\u8acb\u53e6\u4e00\u7b46\u62b5\u62bc\u8cb8\u6b3e\u3002<\/strong> \u7b2c\u4e8c\u6309\u63ed\u7684\u8cb8\u6b3e\u6a5f\u69cb\u901a\u5e38\u8655\u65bc\u7b2c\u4e8c\u9806\u4f4d\uff0c\u7b2c\u4e00\u6309\u63ed\u8cb8\u6b3e\u6a5f\u69cb\u5247\u5177\u6709\u8f03\u512a\u5148\u7684\u62b5\u62bc\u6b0a\u76ca\u3002<\/p>\n<p>\u5047\u8a2d\u696d\u4e3b\u6709\u4ee5\u4e0b\u8ca1\u52d9\u72c0\u6cc1\uff1a<\/p>\n<ul>\n<li>\n<p>\u4fe1\u7528\u5361\u6b20\u6b3e\uff1aHK$300,000<\/p>\n<\/li>\n<li>\n<p>\u9280\u884c\u79c1\u4eba\u8cb8\u6b3e\uff1aHK$200,000<\/p>\n<\/li>\n<li>\n<p>\u8ca1\u52d9\u516c\u53f8\u8cb8\u6b3e\uff1aHK$100,000<\/p>\n<\/li>\n<\/ul>\n<p>\u4e09\u7b46\u50b5\u52d9\u5408\u5171 <strong>HK$600,000<\/strong>.<\/p>\n<p>\u5982\u679c\u696d\u4e3b\u540d\u4e0b\u7269\u696d\u4ecd\u6709\u53ef\u4f9b\u62b5\u62bc\u7684\u50f9\u503c\uff0c\u4fbf\u53ef\u8003\u616e\u7533\u8acb\u4e8c\u6309\u5957\u73fe\uff0c\u7528\u65b0\u8cb8\u6b3e\u6e05\u9084\u4e0a\u8ff0\u6b20\u6b3e\u3002<\/p>\n<p>\u5b8c\u6210\u6574\u5408\u5f8c\uff0c\u696d\u4e3b\u4e00\u822c\u4ecd\u9700\u8981\u652f\u4ed8\u539f\u6709\u9280\u884c\u4e00\u6309\u4f9b\u6b3e\uff0c\u53e6\u5916\u518d\u6309\u65b0\u4e8c\u6309\u5408\u7d04\u9084\u6b3e\u3002<\/p>\n<p>\u56e0\u6b64\uff0c\u4e8c\u6309\u6e05\u6578\u4e26\u975e\u628a\u6240\u6709\u6309\u63ed\u53ca\u5176\u4ed6\u50b5\u52d9\u81ea\u52d5\u5408\u4f75\u70ba\u4e00\u7b46\uff0c\u800c\u662f\u628a\u6307\u5b9a\u9ad8\u606f\u50b5\u52d9\u96c6\u4e2d\u81f3\u65b0\u7684\u878d\u8cc7\u5b89\u6392\u3002<\/p>\n<h3>\u4e8c\u6309\u6e05\u5361\u6578\u7684\u4e09\u9805\u6f5b\u5728\u597d\u8655<\/h3>\n<p><strong>1. \u96c6\u4e2d\u8655\u7406\u591a\u7b46\u9ad8\u606f\u50b5\u52d9<\/strong><\/p>\n<p>\u4e00\u6b21\u904e\u6e05\u9084\u6307\u5b9a\u4fe1\u7528\u5361\u53ca\u79c1\u4eba\u8cb8\u6b3e\u7d50\u6b20\uff0c\u6709\u52a9\u6e1b\u5c11\u4e0d\u540c\u9084\u6b3e\u65e5\u671f\u53ca\u5e33\u6236\u7684\u7ba1\u7406\u58d3\u529b\u3002<\/p>\n<p><strong>2. \u6309\u7167\u9084\u6b3e\u80fd\u529b\u5b89\u6392\u8cb8\u6b3e\u5e74\u671f<\/strong><\/p>\n<p>\u90e8\u5206\u4e8c\u6309\u65b9\u6848\u63d0\u4f9b\u8f03\u9577\u9084\u6b3e\u5e74\u671f\uff0c\u53ef\u80fd\u964d\u4f4e\u6bcf\u6708\u65b0\u589e\u8cb8\u6b3e\u7684\u4f9b\u6b3e\u984d\u3002\u4e0d\u904e\uff0c\u5e74\u671f\u6108\u9577\uff0c\u7d2f\u8a08\u5229\u606f\u901a\u5e38\u6108\u9ad8\u3002<\/p>\n<p><strong>3. \u5c0d\u81ea\u50f1\u4eba\u58eb\u53ca TU \u6b20\u4f73\u696d\u4e3b\u63d0\u4f9b\u53e6\u4e00\u9078\u64c7<\/strong><\/p>\n<p>\u67d0\u4e9b\u6301\u724c\u8ca1\u52d9\u516c\u53f8\u7684\u5be9\u6279\u689d\u4ef6\u8f03\u6709\u5f48\u6027\uff0c\u4e0d\u4e00\u5b9a\u8981\u6c42\u50b3\u7d71\u5165\u606f\u8b49\u660e\uff0c\u4f46\u4ecd\u9808\u5be9\u67e5\u7269\u696d\u3001\u501f\u6b3e\u4eba\u60c5\u6cc1\u53ca\u8cb8\u6b3e\u98a8\u96aa\u3002<\/p>\n<p>GICL \u7684<a href=\"https:\/\/gicl.com.hk\/en\/second-mortgage\/\" target=\"_blank\" rel=\"noopener noreferrer\">Property second mortgage loan scheme.<\/a>\u8a2d\u6709\u514d\u5165\u606f\u8b49\u660e\u3001\u5feb\u901f\u521d\u6b65\u5be9\u6279\u53ca\u5f48\u6027\u9084\u6b3e\u7b49\u7522\u54c1\u5b89\u6392\uff0c\u5be6\u969b\u689d\u4ef6\u4ee5\u500b\u5225\u6279\u6838\u53ca\u8cb8\u6b3e\u5408\u7d04\u70ba\u6e96\u3002<\/p>\n<h2>\u4e8c\u6309\u53ef\u4ee5\u501f\u5e7e\u591a\uff1f\u5982\u4f55\u8a08\u7b97\u7269\u696d\u5957\u73fe\u91d1\u984d\uff1f<\/h2>\n<p>\u4e8c\u6309\u8cb8\u6b3e\u984d\u4e3b\u8981\u53d6\u6c7a\u65bc\u7269\u696d\u6700\u65b0\u4f30\u503c\u3001\u7b2c\u4e00\u6309\u63ed\u5c1a\u6b20\u672c\u91d1\u3001\u8cb8\u6b3e\u6a5f\u69cb\u53ef\u63a5\u53d7\u7684\u7e3d\u6309\u63ed\u6210\u6578\uff0c\u4ee5\u53ca\u501f\u6b3e\u4eba\u7684\u6574\u9ad4\u8ca1\u52d9\u72c0\u6cc1\u3002<\/p>\n<p><strong>\u4e8c\u6309\u521d\u6b65\u53ef\u5957\u73fe\u91d1\u984d\u8a08\u7b97\u516c\u5f0f\uff1a<\/strong><\/p>\n<blockquote>\n<p>\u7269\u696d\u4f30\u503c \u00d7 \u5047\u8a2d\u53ef\u6279\u7e3d\u6309\u63ed\u6210\u6578 \u2212 \u73fe\u6709\u4e00\u6309\u7d50\u6b20 \uff1d \u521d\u6b65\u53ef\u5957\u73fe\u91d1\u984d<\/p>\n<\/blockquote>\n<h3>\u8a08\u7b97\u4f8b\u5b50\uff1a500 \u842c\u7269\u696d\u53ef\u4ee5\u4e8c\u6309\u5957\u73fe\u591a\u5c11\uff1f<\/h3>\n<p>\u5047\u8a2d\u4e00\u540d\u696d\u4e3b\u64c1\u6709\u4ee5\u4e0b\u7269\u696d\u53ca\u6309\u63ed\uff1a<\/p>\n<table class=\"border-collapse table-auto w-full\" style=\"min-width: 50px;\">\n<colgroup>\n<col style=\"min-width: 25px;\">\n<col style=\"min-width: 25px;\"><\/colgroup>\n<tbody>\n<tr>\n<th class=\"border border-border bg-surface-sunken px-3 py-2 text-left font-medium\" colspan=\"1\" rowspan=\"1\">\n<p>\u8a08\u7b97\u9805\u76ee<\/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>\u91d1\u984d<\/p>\n<\/th>\n<\/tr>\n<tr>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u7269\u696d\u6700\u65b0\u4f30\u503c<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>HK$5,000,000<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u539f\u6709\u9280\u884c\u4e00\u6309\u7d50\u6b20<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>HK$2,800,000<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u5047\u8a2d\u53ef\u6279\u7e3d\u6309\u63ed\u6210\u6578<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>80%<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u5047\u8a2d\u7e3d\u62b5\u62bc\u8cb8\u6b3e\u4e0a\u9650<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>HK$4,000,000<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p><strong>\u7406\u8ad6\u4e0a\u53ef\u5957\u73fe\u91d1\u984d<\/strong><\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p><strong>HK$1,200,000<\/strong><\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>\u5728\u4e0a\u8ff0\u5047\u8a2d\u4e0b\uff0c\u696d\u4e3b\u7406\u8ad6\u4e0a\u6709 HK$120 \u842c\u7684\u984d\u5916\u8cb8\u6b3e\u7a7a\u9593\u3002<\/p>\n<p>\u4e0d\u904e\uff0c\u9019\u53ea\u662f\u8a08\u7b97\u793a\u4f8b\uff0c<strong>\u4e0d\u4ee3\u8868\u4e8c\u6309\u4e00\u5b9a\u53ef\u6279\u516b\u6210\uff0c\u4ea6\u4e0d\u4ee3\u8868\u696d\u4e3b\u4e00\u5b9a\u53ef\u5957\u73fe 120 \u842c\u5143<\/strong>\u3002\u5be6\u969b\u8cb8\u6b3e\u984d\u4ea6\u53ef\u80fd\u53d7\u6cd5\u5f8b\u9650\u5236\u3001\u539f\u4e00\u6309\u689d\u6b3e\u53ca\u8cb8\u6b3e\u6a5f\u69cb\u98a8\u96aa\u8a55\u4f30\u5f71\u97ff\u3002<\/p>\n<p>\u91d1\u7ba1\u5c40\u81ea 2024 \u5e74 10 \u6708 16 \u65e5\u8d77\uff0c\u5c07\u8a8d\u53ef\u6a5f\u69cb\u4e00\u822c\u9069\u7528\u7684\u7269\u696d\u6309\u63ed\u6210\u6578\u4e0a\u9650\u7d71\u4e00\u70ba 70%\uff0c\u4f9b\u6b3e\u8207\u5165\u606f\u6bd4\u7387\u4e0a\u9650\u70ba 50%\u3002\u76f8\u95dc\u9280\u884c\u76e3\u7ba1\u8981\u6c42\u4e0d\u80fd\u76f4\u63a5\u7576\u4f5c\u6240\u6709\u975e\u9280\u884c\u6301\u724c\u653e\u50b5\u4eba\u7684\u7d71\u4e00\u4e8c\u6309\u4e0a\u9650\u3002<\/p>\n<p><a href=\"https:\/\/www.hkma.gov.hk\/eng\/smart-consumers\/mortgages\/\" target=\"_blank\" rel=\"noopener noreferrer\">\u8cc7\u6599\u4f86\u6e90\uff1a\u9999\u6e2f\u91d1\u878d\u7ba1\u7406\u5c40 \u2014 \u7269\u696d\u6309\u63ed<\/a><\/p>\n<p>\u60f3\u77e5\u9053\u81ea\u5df1\u7269\u696d\u7684\u521d\u6b65\u5957\u73fe\u7a7a\u9593\uff1f<\/p>\n<p><a href=\"https:\/\/gicl.com.hk\/en\/second-mortgage\/\" target=\"_blank\" rel=\"noopener noreferrer\">\u5411 GICL \u7533\u8acb\u514d\u8cbb\u7269\u696d\u4f30\u50f9<\/a><\/p>\n<h2>\u6a13\u5b87\u4e8c\u6309\u3001\u52a0\u6309\u5957\u73fe\u53ca\u8f49\u6309\u6709\u4ec0\u9ebc\u5206\u5225\uff1f<\/h2>\n<p><strong>\u4e8c\u6309\u662f\u4fdd\u7559\u539f\u6709\u4e00\u6309\uff0c\u518d\u4ee5\u540c\u4e00\u7269\u696d\u53d6\u5f97\u7b2c\u4e8c\u7b46\u62b5\u62bc\u8cb8\u6b3e\uff1b\u52a0\u6309\u662f\u5411\u73fe\u6709\u8cb8\u6b3e\u6a5f\u69cb\u589e\u52a0\u501f\u6b3e\uff1b\u8f49\u6309\u5247\u662f\u628a\u539f\u6709\u6309\u63ed\u8f49\u79fb\u81f3\u53e6\u4e00\u8cb8\u6b3e\u6a5f\u69cb\u3002<\/strong><\/p>\n<p>\u4e09\u7a2e\u65b9\u5f0f\u90fd\u53ef\u80fd\u7528\u65bc\u7269\u696d\u5957\u73fe\uff0c\u4f46\u501f\u8cb8\u6210\u672c\u548c\u9069\u7528\u689d\u4ef6\u4e0d\u540c\u3002<\/p>\n<table class=\"border-collapse table-auto w-full\" style=\"min-width: 100px;\">\n<colgroup>\n<col style=\"min-width: 25px;\">\n<col style=\"min-width: 25px;\">\n<col style=\"min-width: 25px;\">\n<col style=\"min-width: 25px;\"><\/colgroup>\n<tbody>\n<tr>\n<th class=\"border border-border bg-surface-sunken px-3 py-2 text-left font-medium\" colspan=\"1\" rowspan=\"1\">\n<p>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>Second Mortgage<\/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>Cash-out Top-up\/Refinancing<\/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>Cash-Out Refinancing (Transfer)<\/p>\n<\/th>\n<\/tr>\n<tr>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u57fa\u672c\u5b9a\u7fa9<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u65b0\u589e\u7b2c\u4e8c\u7b46\u62b5\u62bc\u8cb8\u6b3e<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u589e\u52a0\u539f\u6709\u6309\u63ed\u8cb8\u6b3e\u984d<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u4ee5\u65b0\u6309\u63ed\u511f\u9084\u539f\u6709\u6309\u63ed<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u539f\u6709\u4e00\u6309<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u4e00\u822c\u4fdd\u7559\uff0c\u4f46\u9808\u7b26\u5408\u539f\u5951\u7d04\u8981\u6c42<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u7531\u539f\u8cb8\u6b3e\u6a5f\u69cb\u8abf\u6574\u8cb8\u6b3e\u5b89\u6392<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u7531\u65b0\u6309\u63ed\u53d6\u4ee3<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>Lending Institution<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u53ef\u6d89\u53ca\u53e6\u4e00\u9593\u6a5f\u69cb<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u901a\u5e38\u70ba\u539f\u6309\u63ed\u6a5f\u69cb<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u65b0\u8cb8\u6b3e\u6a5f\u69cb<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u5be9\u6279\u91cd\u9ede<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u7269\u696d\u62b5\u62bc\u50f9\u503c\u3001\u501f\u6b3e\u98a8\u96aa\u3001\u9084\u6b3e\u80fd\u529b<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u4f30\u503c\u3001\u6536\u5165\u3001\u8ca0\u50b5\u53ca\u4fe1\u8cb8\u7d00\u9304<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u4f30\u503c\u3001\u6536\u5165\u3001\u8ca0\u50b5\u53ca\u4fe1\u8cb8\u7d00\u9304<\/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\u7279\u9ede<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u4e00\u822c\u8f03\u9280\u884c\u4e00\u6309\u9ad8<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u53ef\u80fd\u6cbf\u7528\u9280\u884c\u6309\u63ed\u76f8\u95dc\u5b9a\u50f9<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u8996\u4e4e\u65b0\u6309\u63ed\u689d\u4ef6<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>Suitable Situations<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u5e0c\u671b\u4fdd\u7559\u73fe\u6709\u4e00\u6309\u4e26\u8a55\u4f30\u984d\u5916\u878d\u8cc7<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u539f\u9280\u884c\u9858\u610f\u589e\u52a0\u8cb8\u6b3e\u984d<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u5e0c\u671b\u66f4\u63db\u8cb8\u6b3e\u6a5f\u69cb\u6216\u8abf\u6574\u689d\u6b3e<\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h3>\u9280\u884c\u52a0\u6309\u662f\u5426\u4ecd\u8981\u9032\u884c\u58d3\u529b\u6e2c\u8a66\uff1f<\/h3>\n<p>\u4e0d\u4e00\u5b9a\u3002<\/p>\n<p>\u91d1\u7ba1\u5c40\u5df2\u65bc <strong>2024 \u5e74 2 \u6708 28 \u65e5\u66ab\u505c\u6307\u5b9a\u7684\u52a0\u606f\u58d3\u529b\u6e2c\u8a66\u8981\u6c42<\/strong>\u3002\u4f46\u9280\u884c\u4ecd\u6703\u6839\u64da\u6536\u5165\u3001\u73fe\u6709\u8ca0\u50b5\u3001\u4f9b\u6b3e\u8207\u5165\u606f\u6bd4\u7387\u53ca\u7269\u696d\u4f30\u503c\u7b49\u56e0\u7d20\u8a55\u4f30\u9084\u6b3e\u80fd\u529b\u3002<\/p>\n<p>\u56e0\u6b64\uff0c\u4e0d\u80fd\u55ae\u6191\u300c\u9280\u884c\u9700\u8981\u91cd\u65b0\u58d3\u529b\u6e2c\u8a66\u300d\u5c31\u65b7\u5b9a\u4e8c\u6309\u4e00\u5b9a\u8f03\u5bb9\u6613\u6216\u66f4\u9069\u5408\u3002<\/p>\n<p>\u5982\u679c\u4f60\u60f3\u4fdd\u7559\u73fe\u6709\u4f4e\u606f\u9280\u884c\u6309\u63ed\uff0c\u53ef\u5148\u4e86\u89e3<a href=\"https:\/\/gicl.com.hk\/en\/second-mortgage\/\" target=\"_blank\" rel=\"noopener noreferrer\">Second Mortgage<\/a>\uff1b\u5982\u679c\u6536\u5165\u53ca\u4fe1\u8cb8\u689d\u4ef6\u826f\u597d\uff0c\u4ea6\u503c\u5f97\u6bd4\u8f03<a href=\"https:\/\/gicl.com.hk\/en\/mortgage-refinancing-cash-out-2026\/\" target=\"_blank\" rel=\"noopener noreferrer\">Property Cash-Out Top-Up<\/a>.<\/p>\n<h2>\u6a13\u5b87\u4e8c\u6309\u6e05\u5361\u6578\uff0c\u6bd4\u79c1\u4eba\u8cb8\u6b3e\u53ca\u4fe1\u7528\u5361 Min Pay \u597d\u55ce\uff1f<\/h2>\n<p>\u8981\u6bd4\u8f03\u4e09\u7a2e\u65b9\u6cd5\uff0c\u4e0d\u80fd\u53ea\u770b\u6bcf\u6708\u4f9b\u6b3e\uff0c\u800c\u61c9\u540c\u6642\u6bd4\u8f03\u501f\u8cb8\u5229\u7387\u3001\u7e3d\u9084\u6b3e\u984d\u3001\u8cb8\u6b3e\u5e74\u671f\u548c\u62b5\u62bc\u98a8\u96aa\u3002<\/p>\n<table class=\"border-collapse table-auto w-full\" style=\"min-width: 248px;\">\n<colgroup>\n<col style=\"min-width: 25px;\">\n<col style=\"width: 173px;\">\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\" colwidth=\"173\">\n<p>\u6a13\u5b87\u4e8c\u6309\u6e05\u6578<\/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>\u9280\u884c\u79c1\u4eba\u8cb8\u6b3e<\/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>Credit Card Min Pay<\/p>\n<\/th>\n<\/tr>\n<tr>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u662f\u5426\u9700\u8981\u7269\u696d\u62b5\u62bc<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\" colwidth=\"173\">\n<p>\u9700\u8981<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u4e00\u822c\u4e0d\u9700\u8981<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u4e0d\u9700\u8981<\/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\" colwidth=\"173\">\n<p>\u8996\u4e4e\u4e8c\u6309\u7522\u54c1\u53ca\u6279\u6838\u689d\u4ef6<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u8996\u4e4e\u500b\u4eba\u4fe1\u8cb8\u548c\u9280\u884c\u512a\u60e0<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u6309\u4fe1\u7528\u5361\u5408\u7d04\u8a08\u7b97\uff0c\u53ef\u80fd\u8f03\u9ad8<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u9084\u6b3e\u5b89\u6392<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\" colwidth=\"173\">\n<p>\u6309\u5408\u7d04\u9084\u6b3e\uff0c\u53ef\u80fd\u6709\u4e0d\u540c\u7d50\u69cb<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u901a\u5e38\u6309\u6708\u5206\u671f<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u6bcf\u671f\u7e73\u4ed8\u6700\u4f4e\u91d1\u984d<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>Income review<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\" colwidth=\"173\">\n<p>\u90e8\u5206\u8ca1\u52d9\u516c\u53f8\u63d0\u4f9b\u514d\u5165\u606f\u8b49\u660e\u65b9\u6848<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u4e00\u822c\u6703\u5be9\u67e5\u6536\u5165\u53ca\u9084\u6b3e\u80fd\u529b<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u539f\u6709\u4fe1\u7528\u5361\u4e0d\u6d89\u53ca\u65b0\u8cb8\u6b3e\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>\u4e3b\u8981\u512a\u9ede<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\" colwidth=\"173\">\n<p>\u53ef\u5229\u7528\u7269\u696d\u50f9\u503c\u53d6\u5f97\u984d\u5916\u8cc7\u91d1<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u4e0d\u9808\u62b5\u62bc\u7269\u696d<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u77ed\u671f\u6240\u9700\u9084\u6b3e\u8f03\u5c11<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u4e3b\u8981\u98a8\u96aa<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\" colwidth=\"173\">\n<p>\u6301\u7e8c\u6b20\u4f9b\u53ef\u80fd\u5931\u53bb\u62b5\u62bc\u7269\u696d<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u903e\u671f\u7f70\u6b3e\u3001\u4fe1\u8cb8\u7d00\u9304\u53d7\u640d<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u5229\u606f\u6301\u7e8c\u7d2f\u7a4d\uff0c\u6e05\u9084\u671f\u53ef\u80fd\u5f88\u9577<\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><strong>How should one choose?<\/strong><\/p>\n<p>\u5982\u679c\u53ef\u4ee5\u7533\u8acb\u8f03\u4f4e\u5be6\u969b\u5e74\u5229\u7387\u7684\u9280\u884c\u50b5\u52d9\u6574\u5408\u8cb8\u6b3e\uff0c\u800c\u4e14\u80fd\u5728\u5408\u7406\u5e74\u671f\u5167\u6e05\u9084\uff0c\u61c9\u5148\u6bd4\u8f03\u9019\u985e\u7121\u62b5\u62bc\u65b9\u6848\u3002<\/p>\n<p>\u5982\u679c\u9280\u884c\u8cb8\u6b3e\u672a\u7372\u6279\u51c6\u3001\u7269\u696d\u4ecd\u6709\u62b5\u62bc\u50f9\u503c\uff0c\u800c\u4e14\u7d93\u5be9\u614e\u8a08\u7b97\u5f8c\u78ba\u8a8d\u6709\u80fd\u529b\u540c\u6642\u652f\u4ed8\u4e00\u6309\u53ca\u4e8c\u6309\uff0c\u5247\u53ef\u8003\u616e\u4e8c\u6309\u3002<\/p>\n<p>\u5982\u679c\u5df2\u6709\u56b4\u91cd\u9084\u6b3e\u56f0\u96e3\uff0c\u61c9\u5148\u8207\u50b5\u6b0a\u4eba\u8a0e\u8ad6\u9084\u6b3e\u5b89\u6392\uff0c\u6216\u5c0b\u6c42\u7368\u7acb\u50b5\u52d9\u8f14\u5c0e\uff0c\u800c\u975e\u76f4\u63a5\u4ee5\u81ea\u4f4f\u7269\u696d\u627f\u64d4\u66f4\u591a\u8cb8\u6b3e\u98a8\u96aa\u3002<\/p>\n<h2>TU \u8a55\u7d1a\u5dee\u3001\u6c92\u6709\u5165\u606f\u8b49\u660e\uff0c\u53ef\u4ee5\u7533\u8acb\u4e8c\u6309\u55ce\uff1f<\/h2>\n<p><strong>TU \u8a55\u7d1a\u6b20\u4f73\u6216\u6c92\u6709\u56fa\u5b9a\u5165\u606f\u8b49\u660e\u7684\u696d\u4e3b\uff0c\u4ecd\u53ef\u80fd\u7372\u90e8\u5206\u8ca1\u52d9\u516c\u53f8\u63a5\u53d7\u7533\u8acb\uff0c\u4f46\u4e0d\u4ee3\u8868\u4e00\u5b9a\u7372\u6279\u3002<\/strong><\/p>\n<p>\u9280\u884c\u53ca\u8ca1\u52d9\u516c\u53f8\u6709\u4e0d\u540c\u7684\u4fe1\u8cb8\u98a8\u96aa\u8a55\u4f30\u6e96\u5247\u3002\u90e8\u5206\u6709\u7269\u696d\u62b5\u62bc\u7684\u8cb8\u6b3e\u65b9\u6848\u53ef\u4e0d\u8981\u6c42\u50b3\u7d71\u7ce7\u55ae\u6216\u7a05\u55ae\uff0c\u4f46\u6a5f\u69cb\u4ecd\u6703\u8003\u616e\u501f\u6b3e\u4eba\u7684\u5be6\u969b\u60c5\u6cc1\u3002<\/p>\n<p>For example:<\/p>\n<ul>\n<li>\n<p>\u81ea\u50f1\u4eba\u58eb\u6216\u4e2d\u5c0f\u4f01\u6771\u4e3b\uff0c\u6536\u5165\u4e26\u975e\u56fa\u5b9a\u6708\u85aa\u3002<\/p>\n<\/li>\n<li>\n<p>\u9000\u4f11\u4eba\u58eb\uff0c\u6c92\u6709\u53d7\u50f1\u6536\u5165\u4f46\u6301\u6709\u7269\u696d\u3002<\/p>\n<\/li>\n<li>\n<p>\u4fe1\u7528\u5361\u4f7f\u7528\u7387\u8f03\u9ad8\u6216\u66fe\u6709\u903e\u671f\u7d00\u9304\u7684\u696d\u4e3b\u3002<\/p>\n<\/li>\n<li>\n<p>\u56e0\u6587\u4ef6\u4e0d\u8db3\u800c\u672a\u80fd\u53d6\u5f97\u9280\u884c\u79c1\u4eba\u8cb8\u6b3e\u7684\u4eba\u58eb\u3002<\/p>\n<\/li>\n<\/ul>\n<p>GICL \u5b98\u7db2\u5217\u660e\uff0c\u5176\u4e8c\u6309\u7522\u54c1\u8a2d\u6709\u514d\u5165\u606f\u8b49\u660e\u5b89\u6392\uff0c\u4ea6\u63a5\u53d7\u4e0d\u540c\u4fe1\u8cb8\u8a55\u7d1a\u4eba\u58eb\u63d0\u51fa\u7533\u8acb\uff0c\u4f46\u6700\u7d42\u6279\u6838\u4ecd\u53d6\u6c7a\u65bc\u500b\u5225\u8cb8\u6b3e\u689d\u4ef6\u3002<\/p>\n<h3>\u7533\u8acb\u4e8c\u6309\u6703\u5426\u5f71\u97ff TU\uff1f<\/h3>\n<p>\u4e0d\u80fd\u4e00\u6982\u800c\u8ad6\u3002<\/p>\n<p>TU \u901a\u5e38\u6307\u74b0\u806f\uff08TransUnion\uff09\u4fe1\u8cb8\u8cc7\u6599\u53ca\u8a55\u7d1a\u3002\u7533\u8acb\u8cb8\u6b3e\u6642\uff0c\u91d1\u878d\u6a5f\u69cb\u53ef\u80fd\u67e5\u95b1\u7533\u8acb\u4eba\u7684\u4fe1\u8cb8\u7d00\u9304\uff0c\u800c\u4e0d\u540c\u8cb8\u6b3e\u6a5f\u69cb\u7684\u8cc7\u6599\u63d0\u4ea4\u5b89\u6392\u4ea6\u53ef\u80fd\u4e0d\u540c\u3002<\/p>\n<p>\u6e05\u9084\u4fe1\u7528\u5361\u7d50\u6b20\u6709\u6a5f\u6703\u6539\u5584\u90e8\u5206\u4fe1\u8cb8\u6307\u6a19\uff0c\u4f8b\u5982\u964d\u4f4e\u4fe1\u7528\u5361\u4f7f\u7528\u7387\uff0c\u4f46\u4fe1\u8cb8\u8a55\u7d1a\u4ea6\u53d7\u5230\u904e\u5f80\u9084\u6b3e\u7d00\u9304\u3001\u5176\u4ed6\u8ca0\u50b5\u53ca\u6574\u9ad4\u4fe1\u8cb8\u6d3b\u52d5\u5f71\u97ff\u3002<\/p>\n<p>\u56e0\u6b64\uff0c<strong>\u4e0d\u80fd\u4fdd\u8b49\u4e8c\u6309\u5b8c\u5168\u4e0d\u5f71\u97ff TU\uff0c\u4ea6\u4e0d\u80fd\u4fdd\u8b49\u6e05\u5361\u6578\u5f8c\u4e09\u500b\u6708\u5167\u5347\u7d1a\u81f3\u6307\u5b9a\u8a55\u7d1a<\/strong>.<\/p>\n<p>\u5982\u6709\u7591\u554f\uff0c\u61c9\u5728\u7533\u8acb\u524d\u78ba\u8a8d\u8cb8\u6b3e\u6a5f\u69cb\u6703\u5426\u67e5\u95b1\u6216\u5411\u4fe1\u8cb8\u8cc7\u6599\u670d\u52d9\u6a5f\u69cb\u63d0\u4ea4\u7d00\u9304\u3002<\/p>\n<h2>\u4e8c\u6309\u6e05\u5361\u6578\u6709\u4ec0\u9ebc\u98a8\u96aa\uff1f\u7533\u8acb\u524d\u5fc5\u9808\u4e86\u89e3\u7684\u4e94\u4ef6\u4e8b<\/h2>\n<p>\u4e8c\u6309\u96d6\u7136\u53ef\u80fd\u63d0\u4f9b\u984d\u5916\u8cc7\u91d1\uff0c\u4f46\u5b83\u4e26\u975e\u7121\u98a8\u96aa\u7684\u6e05\u50b5\u65b9\u6cd5\u3002<\/p>\n<h3>1. \u7121\u62b5\u62bc\u5361\u6578\u6703\u8b8a\u6210\u7269\u696d\u62b5\u62bc\u50b5\u52d9<\/h3>\n<p>\u539f\u672c\u7684\u4fe1\u7528\u5361\u6b20\u6b3e\u901a\u5e38\u6c92\u6709\u7269\u696d\u62b5\u62bc\uff0c\u4f46\u5229\u7528\u4e8c\u6309\u6e05\u5361\u6578\u4e4b\u5f8c\uff0c\u65b0\u8cb8\u6b3e\u4fbf\u4ee5\u7269\u696d\u4f5c\u70ba\u62b5\u62bc\u3002<\/p>\n<p>\u5982\u679c\u6301\u7e8c\u672a\u80fd\u4f9d\u7d04\u9084\u6b3e\uff0c\u8cb8\u6b3e\u6a5f\u69cb\u53ef\u80fd\u6309\u5408\u7d04\u53ca\u6cd5\u5f8b\u7a0b\u5e8f\u8ffd\u8a0e\u6b20\u6b3e\uff0c\u751a\u81f3\u8655\u7f6e\u62b5\u62bc\u7269\u696d\u3002<\/p>\n<h3>2. \u9084\u6b3e\u671f\u6108\u9577\uff0c\u7e3d\u5229\u606f\u53ef\u80fd\u6108\u9ad8<\/h3>\n<p>\u8f03\u4f4e\u6708\u4f9b\u80fd\u6539\u5584\u77ed\u671f\u73fe\u91d1\u6d41\uff0c\u4f46\u82e5\u5ef6\u9577\u9084\u6b3e\u5e74\u671f\uff0c\u6574\u9ad4\u5229\u606f\u8ca0\u64d4\u53ef\u80fd\u589e\u52a0\u3002\u8981\u8a55\u4f30\u7684\u662f\u7e3d\u9084\u6b3e\u6210\u672c\uff0c\u800c\u4e0d\u53ea\u662f\u6bcf\u6708\u4f9b\u6b3e\u3002<\/p>\n<h3>3. \u539f\u6709\u9280\u884c\u6309\u63ed\u689d\u6b3e\u4ecd\u9808\u9075\u5b88<\/h3>\n<p>\u4e8c\u6309\u4e00\u822c\u4e0d\u6d89\u53ca\u76f4\u63a5\u8d16\u56de\u539f\u6709\u4e00\u6309\u6a13\u5951\uff0c\u4f46<strong>\u4e0d\u80fd\u56e0\u6b64\u5047\u8a2d\u4e0d\u9700\u8981\u901a\u77e5\u6216\u53d6\u5f97\u539f\u6709\u6309\u63ed\u9280\u884c\u540c\u610f<\/strong>.<\/p>\n<p>\u90e8\u5206\u4e00\u6309\u5951\u7d04\u5c0d\u518d\u6b21\u62b5\u62bc\u7269\u696d\u8a2d\u6709\u9650\u5236\u3002\u7533\u8acb\u524d\u61c9\u7531\u5f8b\u5e2b\u6838\u5c0d\u539f\u6709\u6309\u63ed\u5951\u64da\u3001\u6240\u9700\u540c\u610f\u53ca\u5176\u4ed6\u6cd5\u5f8b\u8981\u6c42\uff0c\u4ee5\u514d\u9055\u53cd\u5408\u7d04\u3002<\/p>\n<h3>4. \u7269\u696d\u4f30\u503c\u53ef\u80fd\u8b8a\u52d5<\/h3>\n<p>\u7269\u696d\u5e02\u503c\u3001\u6a13\u9f61\u3001\u985e\u578b\u53ca\u73fe\u6709\u62b5\u62bc\u8ca0\u64d4\uff0c\u90fd\u53ef\u80fd\u5f71\u97ff\u6279\u6838\u91d1\u984d\u3002\u5373\u4f7f\u7406\u8ad6\u4e0a\u6709\u6de8\u503c\uff0c\u5be6\u969b\u7372\u6279\u91d1\u984d\u4ecd\u53ef\u80fd\u8f03\u4f4e\u3002<\/p>\n<p>\u5df2\u8655\u65bc\u8ca0\u8cc7\u7522\u72c0\u6cc1\u7684\u696d\u4e3b\uff0c\u66f4\u4e0d\u61c9\u5047\u8a2d\u53ef\u4ee5\u900f\u904e\u4e8c\u6309\u5957\u73fe\u3002<\/p>\n<h3>5. \u5fc5\u9808\u6bd4\u8f03\u5be6\u969b\u5e74\u5229\u7387\u53ca\u5168\u90e8\u8cbb\u7528<\/h3>\n<p>\u9664\u4e86\u5229\u606f\uff0c\u9084\u9808\u4e86\u89e3\u5f8b\u5e2b\u8cbb\u3001\u4f30\u50f9\u8cbb\u3001\u63d0\u65e9\u9084\u6b3e\u8cbb\u7528\u3001\u903e\u671f\u6536\u8cbb\u53ca\u5176\u4ed6\u53ef\u80fd\u8cbb\u7528\u3002<\/p>\n<p>\u5982\u5c6c\u5faa\u74b0\u5099\u7528\u4fe1\u8cb8\u984d\uff0c\u4ea6\u61c9\u91d0\u6e05\u5df2\u63d0\u53d6\u91d1\u984d\u5982\u4f55\u8a08\u606f\u3001\u672a\u63d0\u53d6\u90e8\u5206\u6709\u5426\u6536\u8cbb\uff0c\u4ee5\u53ca\u9084\u6b3e\u65b9\u5f0f\u3002<\/p>\n<p>\u9999\u6e2f\u6295\u8cc7\u8005\u53ca\u7406\u8ca1\u6559\u80b2\u59d4\u54e1\u6703\u63d0\u9192\uff0c\u5229\u7528\u81ea\u4f4f\u7269\u696d\u70ba\u9ad8\u606f\u50b5\u52d9\u518d\u878d\u8cc7\uff0c\u53ef\u80fd\u628a\u539f\u672c\u7121\u62b5\u62bc\u7684\u501f\u8cb8\u8b8a\u6210\u6709\u62b5\u62bc\u8cb8\u6b3e\u3002\u7533\u8acb\u4eba\u9808\u5be9\u614e\u6bd4\u8f03\u6210\u672c\u8207\u7269\u696d\u98a8\u96aa\u3002<\/p>\n<p><a href=\"https:\/\/www.ifec.org.hk\/web\/tc\/moneyessentials\/debts-and-borrowing\/borrowing-traps\/borrow-by-using-property-as-collateral.page\" target=\"_blank\" rel=\"noopener noreferrer\">\u8cc7\u6599\u4f86\u6e90\uff1a\u6295\u8cc7\u8005\u53ca\u7406\u8ca1\u6559\u80b2\u59d4\u54e1\u6703 \u2014 \u62b5\u62bc\u7269\u696d\u524d\u8a8d\u6e05\u8cb8\u6b3e\u516c\u53f8\u53ca\u4e2d\u4ecb\u4eba<\/a><\/p>\n<h2>GICL \u4e8c\u6309\u6e05\u5361\u6578\u5ba2\u6236\u898b\u8b49<\/h2>\n<h3>\u6210\u8863\u5ee0\u7d93\u71df\u8005\uff1a\u4ee5\u6a13\u5b87\u4e8c\u6309\u96c6\u4e2d\u5361\u6578\u9084\u6b3e\u5b89\u6392<\/h3>\n<p>\u6839\u64da GICL \u74b0\u7403\u4fe1\u8cb8\u5b98\u65b9\u7269\u696d\u4e8c\u6309\u7522\u54c1\u9801\u6240\u520a\u8f09\u7684\u5ba2\u6236\u898b\u8b49\uff0c\u4e00\u540d\u6210\u8863\u5ee0\u7d93\u71df\u8005\u7f85\u5148\u751f\uff0c\u539f\u672c\u900f\u904e\u4fe1\u7528\u5361\u53ca\u77ed\u671f\u501f\u8cb8\u8655\u7406\u5468\u8f49\uff0c\u9762\u5c0d\u8f03\u91cd\u5229\u606f\u8ca0\u64d4\u3002<\/p>\n<p>\u4ed6\u900f\u904e\u6a13\u5b87\u4e8c\u6309\u6574\u5408\u5361\u6578\uff0c\u4ee4\u9084\u6b3e\u5b89\u6392\u66f4\u96c6\u4e2d\u3002<\/p>\n<p>\u9019\u500b\u6848\u4f8b\u53cd\u6620\uff0c\u4e8c\u6309\u53ef\u4f5c\u70ba\u6574\u5408\u591a\u9805\u501f\u8cb8\u7684\u878d\u8cc7\u5de5\u5177\u4e4b\u4e00\uff0c\u5c24\u5176\u9069\u7528\u65bc\u5e0c\u671b\u4fdd\u7559\u539f\u6709\u9280\u884c\u4e00\u6309\u3001\u4f46\u9700\u8981\u984d\u5916\u6d41\u52d5\u8cc7\u91d1\u7684\u696d\u4e3b\u3002<\/p>\n<p>\u4e0d\u904e\uff0cGICL \u5b98\u7db2\u6c92\u6709\u62ab\u9732\u9019\u5b97\u898b\u8b49\u7684\u5b8c\u6574\u8cb8\u6b3e\u984d\u3001\u5be6\u969b\u5e74\u5229\u7387\u3001\u6bcf\u6708\u4f9b\u6b3e\u548c\u7e3d\u5229\u606f\uff0c\u56e0\u6b64\u4e0d\u80fd\u7528\u4f5c\u4fdd\u8b49\u5176\u4ed6\u7533\u8acb\u4eba\u6703\u7372\u5f97\u76f8\u540c\u7d50\u679c\u3002<\/p>\n<p><a href=\"https:\/\/gicl.com.hk\/en\/second-mortgage\/\" target=\"_blank\" rel=\"noopener noreferrer\">\u67e5\u770b GICL \u7269\u696d\u4e8c\u6309\u5ba2\u6236\u898b\u8b49<\/a><\/p>\n<h2>\u5982\u4f55\u7533\u8acb\u4e8c\u6309\u6e05\u5361\u6578\uff1f\u4e94\u500b\u4e3b\u8981\u6b65\u9a5f<\/h2>\n<h3>\u7b2c\u4e00\u6b65\uff1a\u6574\u7406\u6240\u6709\u73fe\u6709\u6b20\u6b3e<\/h3>\n<p>\u5217\u51fa\u6bcf\u5f35\u4fe1\u7528\u5361\u3001\u79c1\u4eba\u8cb8\u6b3e\u548c\u5176\u4ed6\u8cb8\u6b3e\u7684\u672a\u511f\u9084\u91d1\u984d\u3001\u5229\u7387\u3001\u6bcf\u6708\u4f9b\u6b3e\u53ca\u63d0\u65e9\u6e05\u9084\u8cbb\u7528\uff0c\u8a08\u7b97\u771f\u6b63\u9700\u8981\u6574\u5408\u7684\u8cb8\u6b3e\u984d\u3002<\/p>\n<h3>\u7b2c\u4e8c\u6b65\uff1a\u4f30\u7b97\u7269\u696d\u50f9\u503c\u53ca\u53ef\u501f\u91d1\u984d<\/h3>\n<p>\u4e86\u89e3\u7269\u696d\u6700\u65b0\u4f30\u503c\u53ca\u9280\u884c\u4e00\u6309\u7d50\u6b20\uff0c\u521d\u6b65\u8a08\u7b97\u53ef\u4f9b\u518d\u878d\u8cc7\u7684\u62b5\u62bc\u50f9\u503c\u3002<\/p>\n<p>\u696d\u4e3b\u53ef\u5148\u900f\u904e GICL \u7684<a href=\"https:\/\/gicl.com.hk\/en\/second-mortgage\/\" target=\"_blank\" rel=\"noopener noreferrer\">\u6a13\u5b87\u4e8c\u6309\u7522\u54c1\u9801<\/a>\u67e5\u8a62\u514d\u8cbb\u4f30\u50f9\u53ca\u8cb8\u6b3e\u65b9\u6848\u3002<\/p>\n<h3>\u7b2c\u4e09\u6b65\uff1a\u63d0\u4ea4\u57fa\u672c\u7533\u8acb\u8cc7\u6599<\/h3>\n<p>\u6309\u8cb8\u6b3e\u6a5f\u69cb\u8981\u6c42\u63d0\u4ea4\u8eab\u4efd\u8b49\u660e\u3001\u7269\u696d\u8cc7\u6599\u3001\u73fe\u6709\u6309\u63ed\u7d50\u6b20\u53ca\u5176\u4ed6\u5be9\u6279\u6240\u9700\u6587\u4ef6\u3002<\/p>\n<p>GICL \u90e8\u5206\u4e8c\u6309\u65b9\u6848\u8a2d\u6709\u514d\u50b3\u7d71\u5165\u606f\u8b49\u660e\u5b89\u6392\uff0c\u60df\u8cb8\u6b3e\u6a5f\u69cb\u4ecd\u53ef\u80fd\u56e0\u61c9\u500b\u6848\u7d22\u53d6\u5176\u4ed6\u8cc7\u6599\u3002<\/p>\n<h3>\u7b2c\u56db\u6b65\uff1a\u6838\u5c0d\u6279\u6838\u689d\u4ef6\u53ca\u5b8c\u6210\u6cd5\u5f8b\u624b\u7e8c<\/h3>\n<p>\u78ba\u8a8d\u8cb8\u6b3e\u984d\u3001\u5229\u7387\u3001\u4f9b\u6b3e\u6a21\u5f0f\u3001\u7e3d\u9084\u6b3e\u984d\u3001\u62b5\u62bc\u5b89\u6392\u53ca\u4efb\u4f55\u8cbb\u7528\u3002<\/p>\n<p>GICL \u5b98\u7db2\u5217\u660e\u6700\u5feb\u53ef\u65bc 15 \u5206\u9418\u53d6\u5f97\u521d\u6b65\u5be9\u6279\u7d50\u679c\uff0c\u7b26\u5408\u6307\u5b9a\u689d\u4ef6\u7684\u7533\u8acb\u6700\u5feb\u53ef\u65bc 24 \u5c0f\u6642\u5167\u5b8c\u6210\u76f8\u95dc\u653e\u6b3e\u5b89\u6392\u3002\u5be6\u969b\u6642\u9593\u8996\u4e4e\u5be9\u6279\u3001\u6cd5\u5f8b\u624b\u7e8c\u53ca\u71df\u696d\u6642\u9593\u800c\u5b9a\u3002<\/p>\n<h3>\u7b2c\u4e94\u6b65\uff1a\u6e05\u9084\u6307\u5b9a\u9ad8\u606f\u50b5\u52d9<\/h3>\n<p>\u8cb8\u6b3e\u8cc7\u91d1\u5230\u4f4d\u5f8c\uff0c\u6309\u8a08\u5283\u6e05\u9084\u76f8\u95dc\u4fe1\u7528\u5361\u548c\u79c1\u4eba\u8cb8\u6b3e\uff0c\u4fdd\u5b58\u6e05\u9084\u8b49\u660e\uff0c\u4e26\u5b9a\u671f\u6aa2\u67e5\u6bcf\u6708\u9084\u6b3e\u80fd\u529b\u3002<\/p>\n<p>\u6e05\u5361\u6578\u4e4b\u5f8c\uff0c\u4ea6\u61c9\u907f\u514d\u518d\u6b21\u7d2f\u7a4d\u9ad8\u606f\u50b5\u52d9\uff0c\u5426\u5247\u53ef\u80fd\u540c\u6642\u80cc\u8ca0\u65b0\u7684\u6309\u63ed\u53ca\u65b0\u7684\u5361\u6578\u3002<\/p>\n<h2>\u5e38\u898b\u554f\u984c FAQ\uff1a\u6a13\u5b87\u4e8c\u6309\u6e05\u5361\u6578<\/h2>\n<h3>Q1\uff1a\u5df2\u7d93\u6709\u9280\u884c\u4e00\u6309\uff0c\u4ecd\u7136\u53ef\u4ee5\u7533\u8acb\u4e8c\u6309\u55ce\uff1f<\/h3>\n<p>\u53ef\u4ee5\u63d0\u51fa\u7533\u8acb\u3002\u4e8c\u6309\u672c\u8eab\u5c31\u662f\u5728\u5df2\u6709\u7b2c\u4e00\u6309\u63ed\u7684\u7269\u696d\u4e0a\uff0c\u518d\u5b89\u6392\u7b2c\u4e8c\u7b46\u62b5\u62bc\u8cb8\u6b3e\u3002\u4e0d\u904e\uff0c\u9700\u8981\u8996\u4e4e\u7269\u696d\u6de8\u503c\u3001\u539f\u6709\u6309\u63ed\u5951\u7d04\u9650\u5236\u3001\u9280\u884c\u9650\u5236\u53ca\u8cb8\u6b3e\u6a5f\u69cb\u5be9\u6279\u3002<\/p>\n<h3>Q2\uff1a\u4e8c\u6309\u6e05\u5361\u6578\u662f\u5426\u4e00\u5b9a\u6bd4\u79c1\u4eba\u8cb8\u6b3e\u6173\u606f\uff1f<\/h3>\n<p>\u4e0d\u4e00\u5b9a\u3002\u4e8c\u6309\u5229\u7387\u4e00\u822c\u9ad8\u65bc\u50b3\u7d71\u9280\u884c\u7b2c\u4e00\u6309\u63ed\uff0c\u662f\u5426\u4f4e\u65bc\u500b\u5225\u79c1\u4eba\u8cb8\u6b3e\u4ea6\u9808\u6309\u5be6\u969b\u5831\u50f9\u6bd4\u8f03\u3002\u5373\u4f7f\u6bcf\u6708\u4f9b\u6b3e\u964d\u4f4e\uff0c\u8f03\u9577\u9084\u6b3e\u671f\u4ecd\u53ef\u80fd\u4ee4\u7e3d\u5229\u606f\u589e\u52a0\u3002<\/p>\n<h3>Q3\uff1aTU \u8a55\u7d1a\u5dee\u53ef\u4ee5\u7533\u8acb\u4e8c\u6309\u55ce\uff1f<\/h3>\n<p>\u6709\u6a5f\u6703\u3002\u90e8\u5206\u6301\u724c\u8ca1\u52d9\u516c\u53f8\u7684\u7269\u696d\u62b5\u62bc\u8cb8\u6b3e\u5be9\u6279\u8f03\u6709\u5f48\u6027\uff0c\u63a5\u53d7\u4fe1\u8cb8\u8a55\u7d1a\u6b20\u4f73\u4eba\u58eb\u7533\u8acb\uff0c\u4f46\u6700\u7d42\u80fd\u5426\u7372\u6279\uff0c\u4ecd\u9808\u8996\u4e4e\u7269\u696d\u53ca\u501f\u6b3e\u4eba\u7684\u6574\u9ad4\u689d\u4ef6\u3002<\/p>\n<h3>Q4\uff1a\u4e8c\u6309\u6e05\u6578\u9700\u8981\u5165\u606f\u8b49\u660e\u55ce\uff1f<\/h3>\n<p>\u8996\u4e4e\u8cb8\u6b3e\u6a5f\u69cb\u53ca\u7522\u54c1\u3002GICL \u5b98\u7db2\u5217\u660e\u90e8\u5206\u4e8c\u6309\u65b9\u6848\u6bcb\u9808\u50b3\u7d71\u5165\u606f\u8b49\u660e\uff0c\u9069\u5408\u81ea\u50f1\u3001\u9000\u4f11\u7b49\u4eba\u58eb\u67e5\u8a62\uff0c\u4f46\u6a5f\u69cb\u4ecd\u53ef\u80fd\u8981\u6c42\u5176\u4ed6\u5be9\u6279\u8cc7\u6599\u3002<\/p>\n<h3>Q5\uff1a\u4e8c\u6309\u6700\u5feb\u591a\u4e45\u53ef\u4ee5\u53d6\u5f97\u8cb8\u6b3e\uff1f<\/h3>\n<p>GICL \u7522\u54c1\u9801\u5217\u6709\u6700\u5feb 15 \u5206\u9418\u521d\u6b65\u5be9\u6279\uff0c\u4ee5\u53ca\u6700\u5feb 24 \u5c0f\u6642\u653e\u6b3e\u7684\u5b89\u6392\u3002\u4f46\u521d\u6b65\u5be9\u6279\u4e0d\u7b49\u65bc\u6b63\u5f0f\u6279\u51c6\uff0c\u5be6\u969b\u653e\u6b3e\u6642\u9593\u4ea6\u53d6\u6c7a\u65bc\u6587\u4ef6\u3001\u6cd5\u5f8b\u7a0b\u5e8f\u3001\u71df\u696d\u6642\u9593\u53ca\u500b\u5225\u689d\u4ef6\u3002<\/p>\n<h3>Q6\uff1a\u7533\u8acb\u4e8c\u6309\u4e00\u5b9a\u9700\u8981\u539f\u6709\u9280\u884c\u540c\u610f\u55ce\uff1f<\/h3>\n<p>\u662f\u5426\u9700\u8981\u540c\u610f\uff0c\u9808\u6309\u539f\u6709\u4e00\u6309\u5951\u7d04\u53ca\u5177\u9ad4\u6cd5\u5f8b\u5b89\u6392\u5224\u65b7\u3002\u90e8\u5206\u6309\u63ed\u5951\u7d04\u7981\u6b62\u672a\u7d93\u540c\u610f\u518d\u6b21\u62b5\u62bc\uff0c\u696d\u4e3b\u4e0d\u61c9\u5728\u672a\u6838\u5c0d\u689d\u6b3e\u524d\u81ea\u884c\u5047\u8a2d\u6bcb\u9808\u901a\u77e5\u9280\u884c\u3002<\/p>\n<h3>Q7\uff1a\u4e8c\u6309\u6e05\u5361\u6578\u6703\u6539\u5584 TU \u8a55\u7d1a\u55ce\uff1f<\/h3>\n<p>\u6e05\u9084\u4fe1\u7528\u5361\u50b5\u52d9\u53ef\u80fd\u6539\u5584\u90e8\u5206\u4fe1\u8cb8\u6307\u6a19\uff0c\u4f46\u4fe1\u8cb8\u8a55\u7d1a\u7531\u591a\u9805\u56e0\u7d20\u6c7a\u5b9a\u3002\u4e8c\u6309\u672c\u8eab\u4ea6\u53ef\u80fd\u6d89\u53ca\u4fe1\u8cb8\u67e5\u8a62\u6216\u8cc7\u6599\u7d00\u9304\uff0c\u4e0d\u80fd\u4fdd\u8b49\u8a55\u7d1a\u6539\u5584\u5e45\u5ea6\u6216\u6642\u9593\u3002<\/p>\n<h3>Q8\uff1a\u8ca0\u8cc7\u7522\u7269\u696d\u53ef\u4ee5\u4e8c\u6309\u5957\u73fe\u55ce\uff1f<\/h3>\n<p>\u5982\u679c\u73fe\u6709\u6309\u63ed\u7d50\u6b20\u5df2\u8d85\u904e\u7269\u696d\u4f30\u503c\uff0c\u901a\u5e38\u7f3a\u4e4f\u53ef\u4f9b\u984d\u5916\u62b5\u62bc\u7684\u6de8\u503c\uff0c\u96e3\u4ee5\u6309\u4e00\u822c\u4e8c\u6309\u65b9\u5f0f\u5957\u73fe\u3002\u5be6\u969b\u60c5\u6cc1\u9808\u6309\u7269\u696d\u3001\u501f\u6b3e\u4eba\u53ca\u8cb8\u6b3e\u6a5f\u69cb\u689d\u4ef6\u8a55\u4f30\u3002<\/p>\n<h3>Q9\uff1a\u672a\u88dc\u5730\u50f9\u5c45\u5c4b\u53ef\u4ee5\u505a\u4e8c\u6309\u6e05\u5361\u6578\u55ce\uff1f<\/h3>\n<p>\u672a\u88dc\u5730\u50f9\u7684\u8cc7\u52a9\u51fa\u552e\u623f\u5c4b\u53d7\u5230\u7279\u5225\u9650\u5236\uff0c\u4e0d\u80fd\u76f4\u63a5\u5957\u7528\u79c1\u4eba\u4f4f\u5b85\u7684\u4e8c\u6309\u5b89\u6392\u3002\u76f8\u95dc\u518d\u878d\u8cc7\u6216\u62b5\u62bc\u5b89\u6392\u53ef\u80fd\u9808\u7372\u623f\u5c4b\u7f72\u4e8b\u5148\u6279\u51c6\uff0c\u4e26\u7b26\u5408\u6307\u5b9a\u689d\u4ef6\u53ca\u878d\u8cc7\u6e20\u9053\u8981\u6c42\u3002<\/p>\n<h3>Q10\uff1a\u4e8c\u6309\u53ef\u4ee5\u63d0\u65e9\u6e05\u9084\u55ce\uff1f\u6703\u5426\u6709\u7f70\u606f\uff1f<\/h3>\n<p>\u8996\u4e4e\u8cb8\u6b3e\u5408\u7d04\u3002GICL \u5b98\u7db2\u4ecb\u7d39\u90e8\u5206\u5f48\u6027\u9084\u6b3e\u5b89\u6392\uff0c\u4f46\u7533\u8acb\u4eba\u4ecd\u61c9\u78ba\u8a8d\u6240\u9078\u8a08\u5283\u6709\u5426\u63d0\u65e9\u9084\u6b3e\u8cbb\u7528\u3001\u7f70\u606f\u671f\u6216\u5176\u4ed6\u9650\u5236\u3002<\/p>\n<h2>\u4e8c\u6309\u662f\u5426\u9069\u5408\u4f60\uff1f\u5148\u6bd4\u8f03\uff0c\u518d\u6c7a\u5b9a<\/h2>\n<p>\u6a13\u5b87\u4e8c\u6309\u6e05\u5361\u6578\u7684\u6838\u5fc3\u50f9\u503c\uff0c\u5728\u65bc\u8b93\u6709\u7269\u696d\u7684\u696d\u4e3b\u8a55\u4f30\u984d\u5916\u878d\u8cc7\u7a7a\u9593\uff0c\u5c07\u591a\u7b46\u9ad8\u606f\u50b5\u52d9\u96c6\u4e2d\u7ba1\u7406\uff0c\u4e26\u6309\u500b\u4eba\u73fe\u91d1\u6d41\u5b89\u6392\u9084\u6b3e\u3002<\/p>\n<p>\u4f46\u4e8c\u6309\u4e0d\u7b49\u65bc\u50b5\u52d9\u7372\u5f97\u6e1b\u514d\uff0c\u66f4\u4e0d\u662f\u6240\u6709\u696d\u4e3b\u90fd\u9069\u7528\u3002\u82e5\u65b0\u8cb8\u6b3e\u7684\u7e3d\u6210\u672c\u904e\u9ad8\u3001\u6bcf\u6708\u4ecd\u7136\u7121\u6cd5\u8ca0\u64d4\u4f9b\u6b3e\uff0c\u6216\u62b5\u62bc\u7269\u696d\u98a8\u96aa\u8d85\u51fa\u627f\u53d7\u80fd\u529b\uff0c\u5c31\u61c9\u8003\u616e\u5176\u4ed6\u9084\u6b3e\u53ca\u50b5\u52d9\u8655\u7406\u65b9\u6848\u3002<\/p>\n<p>\u5982\u679c\u4f60\u5df2\u6bd4\u8f03\u76f8\u95dc\u98a8\u96aa\uff0c\u4e26\u5e0c\u671b\u4e86\u89e3\u7269\u696d\u9084\u6709\u591a\u5c11\u53ef\u7528\u7684\u62b5\u62bc\u50f9\u503c\uff0cGICL \u74b0\u7403\u4fe1\u8cb8\u53ef\u63d0\u4f9b\u521d\u6b65\u7269\u696d\u4f30\u50f9\u53ca\u4e8c\u6309\u8cb8\u6b3e\u65b9\u6848\u67e5\u8a62\u3002<\/p>\n<p><strong>\u4e86\u89e3\u4f60\u7684\u7269\u696d\u5957\u73fe\u7a7a\u9593\u53ca\u9084\u6b3e\u5b89\u6392\uff1a<\/strong><\/p>\n<p><a href=\"https:\/\/gicl.com.hk\/en\/second-mortgage\/\" target=\"_blank\" rel=\"noopener noreferrer\">\u514d\u8cbb\u4e86\u89e3 GICL \u6a13\u5b87\u4e8c\u6309\u8cb8\u6b3e\u65b9\u6848<\/a><\/p>\n<p><a href=\"\/en\/WhatsApp GICL\/\" target=\"_blank\" rel=\"noopener noreferrer\">WhatsApp GICL<\/a><\/p>\n<p>\u96fb\u8a71\uff1a<strong>2111 0998<\/strong><\/p>\n<p>\u7db2\u7ad9\uff1a<a href=\"https:\/\/gicl.com.hk\/en\/\" target=\"_blank\" rel=\"noopener noreferrer\">\ud83c\udf10 GICL (Second Mortgage Cash-out)<\/a><\/p>\n<p>GICL \u74b0\u7403\u4fe1\u8cb8\u70ba\u6301\u724c\u653e\u50b5\u4eba\u96c6\u5718\uff0c\u5be6\u969b\u8cb8\u6b3e\u7531\u76f8\u95dc\u6301\u724c\u516c\u53f8\u63d0\u4f9b\uff0c\u724c\u7167\u8cc7\u6599\u3001\u9069\u7528\u606f\u7387\u3001\u8cbb\u7528\u53ca\u6700\u7d42\u6279\u6838\u5747\u4ee5\u6709\u6548\u724c\u7167\u3001\u6b63\u5f0f\u6587\u4ef6\u53ca\u5408\u7d04\u70ba\u6e96\u3002<\/p>\n<p><strong>GICL\u96c6\u5718\u76f8\u95dc\u6301\u724c\u516c\u53f8<\/strong><\/p>\n<ul>\n<li>\n<p>\u74b0\u7403\u4fe1\u8cb8\u6709\u9650\u516c\u53f8\uff1a\u653e\u50b5\u4eba\u724c\u7167\u865f\u78bc 82\/2026<\/p>\n<\/li>\n<li>\n<p>\u74b0\u7403\u8cb8\u6b3e\u6709\u9650\u516c\u53f8\uff1a\u653e\u50b5\u4eba\u724c\u7167\u865f\u78bc 421\/2026<\/p>\n<\/li>\n<li>\n<p>\u74b0\u7403\u7269\u696d\u6309\u63ed\u6709\u9650\u516c\u53f8\uff1a\u653e\u50b5\u4eba\u724c\u7167\u865f\u78bc 1916\/2025<\/p>\n<\/li>\n<\/ul>\n<p><em>\u724c\u7167\u8cc7\u6599\u6839\u64da\u516c\u53f8\u8a3b\u518a\u8655\u622a\u81f32026\u5e748\u670831\u65e5\u7684\u6301\u724c\u4eba\u540d\u55ae\uff0c\u520a\u767b\u6642\u8acb\u518d\u6b21\u6838\u5c0d\u6700\u65b0\u6709\u6548\u8cc7\u6599\u3002<\/em><\/p>\n<p><strong>\u5fe0\u544a\uff1a\u501f\u9322\u6897\u8981\u9084\uff0c\u54aa\u4ffe\u9322\u4e2d\u4ecb\uff01<\/strong><\/p>\n<p>GICL\u74b0\u7403\u4fe1\u8cb8\u63d0\u9192\u4f60\u7406\u6027\u501f\u8cb8\uff0c\u59a5\u5584\u7ba1\u7406\u500b\u4eba\u8ca1\u52d9\u3002<\/p>\n<p><em>\u91cd\u8981\u8072\u660e\uff1a\u672c\u6587\u63d0\u4f9b\u4e00\u822c\u7269\u696d\u8cb8\u6b3e\u53ca\u50b5\u52d9\u6574\u5408\u8cc7\u8a0a\uff0c\u4e0d\u69cb\u6210\u500b\u5225\u4eba\u58eb\u7684\u8ca1\u52d9\u6216\u6cd5\u5f8b\u5efa\u8b70\u3002\u6240\u6709\u8cb8\u6b3e\u8a08\u7b97\u50c5\u4f9b\u53c3\u8003\u3002\u8cb8\u6b3e\u6d89\u53ca\u62b5\u62bc\u7269\u696d\uff0c\u501f\u6b3e\u4eba\u61c9\u5148\u8a55\u4f30\u9084\u6b3e\u80fd\u529b\uff0c\u5fc5\u8981\u6642\u5c0b\u6c42\u7368\u7acb\u8ca1\u52d9\u6216\u6cd5\u5f8b\u610f\u898b\u3002<\/em><\/p>\n<h3>Data Source:<\/h3>\n<ol>\n<li>\n<p><a href=\"https:\/\/www.info.gov.hk\/gia\/general\/202607\/31\/P2026073100595.htm\" target=\"_blank\" rel=\"noopener noreferrer\">\u9999\u6e2f\u91d1\u878d\u7ba1\u7406\u5c40\uff1a2026 \u5e74\u7b2c\u4e8c\u5b63\u8ca0\u8cc7\u7522\u4f4f\u5b85\u6309\u63ed\u8cb8\u6b3e\u7d71\u8a08<\/a><\/p>\n<\/li>\n<li>\n<p><a href=\"https:\/\/www.hkma.gov.hk\/eng\/smart-consumers\/mortgages\/\" target=\"_blank\" rel=\"noopener noreferrer\">\u9999\u6e2f\u91d1\u878d\u7ba1\u7406\u5c40\uff1a\u7269\u696d\u6309\u63ed\u898f\u5247\u53ca\u76e3\u7ba1\u8cc7\u8a0a<\/a><\/p>\n<\/li>\n<li>\n<p><a href=\"https:\/\/www.hkma.gov.hk\/eng\/smart-consumers\/credit-cards\/\" target=\"_blank\" rel=\"noopener noreferrer\">\u9999\u6e2f\u91d1\u878d\u7ba1\u7406\u5c40\uff1a\u4fe1\u7528\u5361\u5229\u606f\u53ca\u6700\u4f4e\u9084\u6b3e\u984d<\/a><\/p>\n<\/li>\n<li>\n<p><a href=\"https:\/\/www.ifec.org.hk\/web\/tc\/moneyessentials\/debts-and-borrowing\/borrowing-traps\/borrow-by-using-property-as-collateral.page\" target=\"_blank\" rel=\"noopener noreferrer\">\u9999\u6e2f\u6295\u8cc7\u8005\u53ca\u7406\u8ca1\u6559\u80b2\u59d4\u54e1\u6703\uff1a\u62b5\u62bc\u7269\u696d\u8cb8\u6b3e\u6ce8\u610f\u4e8b\u9805<\/a><\/p>\n<\/li>\n<li>\n<p><a href=\"https:\/\/gicl.com.hk\/en\/second-mortgage\/\" target=\"_blank\" rel=\"noopener noreferrer\">GICL \u74b0\u7403\u4fe1\u8cb8\uff1a\u7269\u696d\u4e8c\u6309\u8cb8\u6b3e\u7522\u54c1\u8cc7\u6599\u53ca\u5ba2\u6236\u898b\u8b49<\/a><\/p>\n<\/li>\n<\/ol>","protected":false},"excerpt":{"rendered":"<p>2026 \u4e8c\u6309\u6e05\u5361\u6578\u653b\u7565\uff5c\u7269\u696d\u5957\u73fe\u6574\u5408\u9ad8\u606f\u50b5\u52d9\uff1a\u5229\u606f\u3001\u6210\u6578\u3001TU \u53ca\u7533\u8acb\u6307\u5357 \u6700\u5f8c\u66f4\u65b0\uff1a2026 \u5e74 10 \u6708 [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":8118,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[48],"tags":[],"class_list":["post-8119","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\/8119","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=8119"}],"version-history":[{"count":1,"href":"https:\/\/gicl.com.hk\/en\/wp-json\/wp\/v2\/posts\/8119\/revisions"}],"predecessor-version":[{"id":8120,"href":"https:\/\/gicl.com.hk\/en\/wp-json\/wp\/v2\/posts\/8119\/revisions\/8120"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/gicl.com.hk\/en\/wp-json\/wp\/v2\/media\/8118"}],"wp:attachment":[{"href":"https:\/\/gicl.com.hk\/en\/wp-json\/wp\/v2\/media?parent=8119"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/gicl.com.hk\/en\/wp-json\/wp\/v2\/categories?post=8119"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/gicl.com.hk\/en\/wp-json\/wp\/v2\/tags?post=8119"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}