{"id":8130,"date":"2026-10-18T09:24:31","date_gmt":"2026-10-18T01:24:31","guid":{"rendered":"https:\/\/gicl.com.hk\/%e8%87%aa%e5%83%b1%e4%ba%ba%e5%a3%ab%e6%8c%89%e6%8f%ad%e6%8c%87%e5%8d%97%ef%bc%9a%e6%b2%92%e6%9c%89%e5%9b%ba%e5%ae%9a%e7%b3%a7%e5%96%ae%ef%bc%8c%e5%a6%82%e4%bd%95%e6%ba%96%e5%82%99%e5%85%a5%e6%81%af\/"},"modified":"2026-10-18T09:26:18","modified_gmt":"2026-10-18T01:26:18","slug":"geo-%e8%87%aa%e5%83%b1%e4%ba%ba%e5%a3%ab%e6%8c%89%e6%8f%ad%e6%8c%87%e5%8d%97","status":"publish","type":"post","link":"https:\/\/gicl.com.hk\/en\/geo-%e8%87%aa%e5%83%b1%e4%ba%ba%e5%a3%ab%e6%8c%89%e6%8f%ad%e6%8c%87%e5%8d%97\/","title":{"rendered":"Mortgage Guide for the Self-Employed: How to Prepare Proof of Income and Strengthen Your Application Without Regular Payslips?"},"content":{"rendered":"<h1>\u81ea\u50f1\u4eba\u58eb\u6309\u63ed2026\uff1a\u6c92\u6709\u56fa\u5b9a\u7ce7\u55ae\u6216\u7a05\u55ae\u53ef\u4ee5\u7533\u8acb\u55ce\uff1f\u5165\u606f\u8b49\u660e\u3001\u6309\u63ed\u6210\u6578\u53ca\u6587\u4ef6\u6307\u5357<\/h1>\n<p><strong>\u8cc7\u6599\u6838\u5be6\u65e5\u671f\uff1a2026\u5e7410\u670815\u65e5<\/strong><\/p>\n<p><strong>\u81ea\u50f1\u4eba\u58eb\u6c92\u6709\u56fa\u5b9a\u7ce7\u55ae\uff0c\u4ecd\u7136\u53ef\u4ee5\u7533\u8acb\u6309\u63ed\u3002<\/strong> 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\u90e8\u5206\u7522\u54c1\u53ef\u514d\u50b3\u7d71\u5165\u606f\u8b49\u660e\uff0c\u4f46\u4ecd\u9808\u5be9\u6279\u7269\u696d\u3001\u9084\u6b3e\u5b89\u6392\u53ca\u5176\u4ed6\u76f8\u95dc\u8cc7\u6599\u3002<\/p>\n<\/li>\n<\/ul>\n<p>\u4ee5\u4e0b\u6703\u8a73\u7d30\u89e3\u91cb\u81ea\u50f1\u4eba\u58eb\u6309\u63ed\u7684\u7533\u8acb\u8981\u6c42\u3001\u6587\u4ef6\u6e05\u55ae\u3001\u5165\u606f\u8a08\u7b97\u65b9\u6cd5\uff0c\u4ee5\u53ca\u9280\u884c\u548c\u6301\u724c\u8cb8\u6b3e\u6a5f\u69cb\u7684\u5206\u5225\u3002<\/p>\n<p><a href=\"https:\/\/gicl.com.hk\/en\/first-mortgage\/\" target=\"_blank\" rel=\"noopener noreferrer\">\u7acb\u5373\u4e86\u89e3 GICL \u7269\u696d\u4e00\u6309\u8cb8\u6b3e\u65b9\u6848<\/a><\/p>\n<h2>1. 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\u7db2\u4e0a\u5546\u5e97\u3001\u793e\u4ea4\u5e73\u53f0\u5546\u6236\u53ca\u7368\u7acb\u96fb\u5546\u54c1\u724c\u6771\u4e3b\u3002<\/p>\n<\/li>\n<li>\n<p><strong>\u4f63\u91d1\u6536\u5165\u4eba\u58eb\uff1a<\/strong> \u6536\u5165\u4e3b\u8981\u4f86\u81ea\u92b7\u552e\u4f63\u91d1\u7684\u5f9e\u696d\u54e1\u3002<\/p>\n<\/li>\n<li>\n<p><strong>\u81ea\u71df\u904b\u8f38\u696d\u4eba\u58eb\uff1a<\/strong> \u7684\u58eb\u8eca\u4e3b\u3001\u81ea\u71df\u53f8\u6a5f\u53ca\u5176\u4ed6\u76f8\u95dc\u5f9e\u696d\u54e1\u3002<\/p>\n<\/li>\n<li>\n<p><strong>\u81ea\u71df\u5c08\u696d\u4eba\u58eb\uff1a<\/strong> \u79c1\u4eba\u57f7\u696d\u91ab\u751f\u3001\u5f8b\u5e2b\u3001\u6703\u8a08\u5e2b\u53ca\u5176\u4ed6\u5c08\u696d\u670d\u52d9\u63d0\u4f9b\u8005\u3002<\/p>\n<\/li>\n<\/ul>\n<p>\u8981\u6ce8\u610f\uff0c<strong>\u6709\u9650\u516c\u53f8\u8463\u4e8b\u4e0d\u4e00\u5b9a\u6703\u88ab\u6240\u6709\u9280\u884c\u81ea\u52d5\u6b78\u985e\u70ba\u81ea\u50f1\u4eba\u58eb<\/strong>\u3002\u5373\u4f7f\u8463\u4e8b\u6bcf\u6708\u5f9e\u81ea\u5df1\u7684\u516c\u53f8\u6536\u53d6\u56fa\u5b9a\u85aa\u91d1\uff0c\u9280\u884c\u4ecd\u53ef\u80fd\u540c\u6642\u5be9\u6838\u500b\u4eba\u6536\u5165\u53ca\u516c\u53f8\u8ca1\u52d9\u8cc7\u6599\u3002<\/p>\n<p>\u9280\u884c\u6703\u6839\u64da\u6301\u80a1\u60c5\u6cc1\u3001\u6536\u5165\u4f86\u6e90\u53ca\u5167\u90e8\u4fe1\u8cb8\u653f\u7b56\u4f5c\u51fa\u5206\u985e\u3002<\/p>\n<h2>2. 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HK$150,000\uff0c\u9918\u4e0b HK$50,000 \u4e26\u4e0d\u4ee3\u8868\u9280\u884c\u4e00\u5b9a\u6703\u8a8d\u53ef\u6771\u4e3b\u6709 HK$50,000 \u500b\u4eba\u6708\u5165\u3002<\/p>\n<p>\u8cb8\u6b3e\u6a5f\u69cb\u53ef\u80fd\u9032\u4e00\u6b65\u8003\u616e\u516c\u53f8\u7a05\u9805\u3001\u8ca0\u50b5\u3001\u80a1\u6b0a\u5206\u914d\u3001\u5be6\u969b\u6d3e\u606f\u53ca\u76c8\u5229\u6301\u7e8c\u6027\u3002<\/p>\n<h3>\u6536\u5165\u6ce2\u52d5\u6703\u5f71\u97ff\u5be9\u6279<\/h3>\n<p>\u82e5\u7533\u8acb\u4eba\u7684\u6536\u5165\u4f86\u81ea\u5b63\u7bc0\u6027\u751f\u610f\u3001\u77ed\u671f\u9805\u76ee\u3001\u4e0d\u5b9a\u671f\u4f63\u91d1\u6216\u73fe\u91d1\u4ea4\u6613\uff0c\u8cb8\u6b3e\u6a5f\u69cb\u53ef\u80fd\u8981\u6c42\u66f4\u5b8c\u6574\u7684\u4ea4\u6613\u7d00\u9304\uff0c\u4e26\u4ee5\u8f03\u5be9\u614e\u7684\u65b9\u6cd5\u8a55\u4f30\u8a8d\u53ef\u6536\u5165\u3002<\/p>\n<h3>\u9280\u884c\u4ea6\u6703\u8a55\u4f30\u5176\u4ed6\u8ca1\u52d9\u56e0\u7d20<\/h3>\n<p>\u5373\u4f7f\u6536\u5165\u8b49\u660e\u5b8c\u6574\uff0c\u9280\u884c\u4ecd\u53ef\u80fd\u8003\u616e\u73fe\u6709\u8cb8\u6b3e\u3001\u4fe1\u7528\u5361\u50b5\u52d9\u3001\u7269\u696d\u4f30\u503c\u3001\u9996\u671f\u4f86\u6e90\u53ca\u4fe1\u8cb8\u7d00\u9304\u3002<\/p>\n<p>\u56e0\u6b64\uff0c\u81ea\u50f1\u4eba\u58eb\u7533\u8acb\u6309\u63ed\u6642\uff0c\u61c9\u540c\u6642\u6e96\u5099\u6536\u5165\u8b49\u660e\u53ca\u6574\u9ad4\u8ca1\u52d9\u8cc7\u6599\u3002<\/p>\n<h2>3. \u81ea\u50f1\u4eba\u58eb\u6309\u63ed\u9700\u8981\u751a\u9ebc\u6587\u4ef6\uff1f<\/h2>\n<p><strong>\u9280\u884c\u5e38\u898b\u7684\u81ea\u50f1\u4eba\u58eb\u6309\u63ed\u6587\u4ef6\u5305\u62ec\u8eab\u4efd\u8b49\u660e\u3001\u7a05\u52d9\u7d00\u9304\u3001\u696d\u52d9\u5e33\u76ee\u3001\u9280\u884c\u6708\u7d50\u55ae\u53ca\u7269\u696d\u8cc7\u6599\u3002<\/strong><\/p>\n<p>\u5730\u7522\u4ee3\u7406\u76e3\u7ba1\u5c40\u7684\u6309\u63ed\u8cc7\u8a0a\u6307\u51fa\uff0c\u7368\u8cc7\u53ca\u5408\u5925\u7d93\u71df\u8005\u53ef\u80fd\u9700\u8981\u63d0\u4ea4\u904e\u53bb\u4e09\u5e74\u7684\u696d\u52d9\u5e33\u76ee\u3001\u7a05\u55ae\u53ca\u9280\u884c\u7d50\u55ae\uff1b\u516c\u53f8\u501f\u6b3e\u4eba\u4ea6\u53ef\u80fd\u9700\u8981\u7d93\u5be9\u6838\u8ca1\u52d9\u5831\u8868\u3002<\/p>\n<p>\u5be6\u969b\u6587\u4ef6\u5e74\u671f\u6703\u56e0\u8cb8\u6b3e\u6a5f\u69cb\u53ca\u500b\u6848\u800c\u7570\u3002<\/p>\n<h3>\u81ea\u50f1\u4eba\u58eb\u6309\u63ed\u6587\u4ef6\u6e05\u55ae<\/h3>\n<table class=\"border-collapse table-auto w-full\" style=\"min-width: 75px;\">\n<colgroup>\n<col style=\"min-width: 25px;\">\n<col style=\"min-width: 25px;\">\n<col style=\"min-width: 25px;\"><\/colgroup>\n<tbody>\n<tr>\n<th class=\"border border-border bg-surface-sunken px-3 py-2 text-left font-medium\" colspan=\"1\" rowspan=\"1\">\n<p>\u6587\u4ef6\u985e\u5225<\/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>\u5e38\u898b\u6240\u9700\u8cc7\u6599<\/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>\u4e3b\u8981\u7528\u9014<\/p>\n<\/th>\n<\/tr>\n<tr>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u8eab\u4efd\u8b49\u660e<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u9999\u6e2f\u8eab\u4efd\u8b49\u3001\u4f4f\u5740\u8b49\u660e<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u78ba\u8a8d\u7533\u8acb\u4eba\u8eab\u4efd<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u500b\u4eba\u7a05\u52d9<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u85aa\u4ff8\u7a05\u3001\u500b\u4eba\u5165\u606f\u8ab2\u7a05\u6216\u76f8\u95dc\u8a55\u7a05\u901a\u77e5\u66f8<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u6838\u5be6\u7533\u5831\u6536\u5165<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u516c\u53f8\u7a05\u52d9<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u5229\u5f97\u7a05\u5831\u7a05\u8868\u3001\u8a55\u7a05\u901a\u77e5\u66f8<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u8a55\u4f30\u696d\u52d9\u76c8\u5229<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u696d\u52d9\u8b49\u660e<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u5546\u696d\u767b\u8a18\u8b49\u3001\u516c\u53f8\u8a3b\u518a\u8cc7\u6599\u3001\u80a1\u6b0a\u7d00\u9304<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u78ba\u8a8d\u696d\u52d9\u53ca\u6301\u6709\u6b0a<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u8ca1\u52d9\u5831\u8868<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u7d93\u5be9\u6838\u5e33\u76ee\u3001\u640d\u76ca\u8868\u3001\u7ba1\u7406\u5e33\u76ee<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u8a55\u4f30\u71df\u904b\u72c0\u6cc1<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u9280\u884c\u6d41\u6c34<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u500b\u4eba\u53ca\u516c\u53f8\u9280\u884c\u6708\u7d50\u55ae<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u6838\u5be6\u6536\u652f\u53ca\u73fe\u91d1\u6d41<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u6536\u5165\u7d00\u9304<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u5ba2\u6236\u5408\u7d04\u3001\u767c\u7968\u3001\u6536\u64da\u3001\u4f63\u91d1\u7d00\u9304<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u8b49\u660e\u6536\u5165\u4f86\u6e90<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>Property Documents<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u8cb7\u8ce3\u5408\u7d04\u3001\u6309\u63ed\u7d50\u55ae\u3001\u696d\u6b0a\u53ca\u4f30\u503c\u8cc7\u6599<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u8a55\u4f30\u62b5\u62bc\u7269\u696d<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u50b5\u52d9\u8cc7\u6599<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u4fe1\u7528\u5361\u3001\u79c1\u4eba\u8cb8\u6b3e\u53ca\u5176\u4ed6\u6309\u63ed\u4f9b\u6b3e<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u8a55\u4f30\u9084\u6b3e\u80fd\u529b<\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h3>\u9280\u884c\u6d41\u6c34\u9700\u8981\u63d0\u4f9b\u5e7e\u591a\u500b\u6708\uff1f<\/h3>\n<p>\u7533\u8acb\u4eba\u53ef\u5148\u6574\u7406\u6700\u8fd1\u516d\u81f3\u5341\u4e8c\u500b\u6708\u5b8c\u6574\u7684\u500b\u4eba\u53ca\u516c\u53f8\u9280\u884c\u7d00\u9304\uff0c\u65b9\u4fbf\u8cb8\u6b3e\u6a5f\u69cb\u4e86\u89e3\u6536\u5165\u8da8\u52e2\u3002<\/p>\n<p>\u4f46\u9019\u53ea\u662f\u5be6\u52d9\u4e0a\u7684\u6587\u4ef6\u6e96\u5099\u5efa\u8b70\uff0c<strong>\u4e26\u4e0d\u4ee3\u8868\u6240\u6709\u9280\u884c\u7d71\u4e00\u8981\u6c42\u516d\u81f3\u5341\u4e8c\u500b\u6708<\/strong>\u3002\u90e8\u5206\u500b\u6848\u53ef\u80fd\u9700\u8981\u66f4\u9577\u7d00\u9304\u3002<\/p>\n<h3>\u4e0d\u540c\u81ea\u50f1\u4eba\u58eb\u61c9\u6e96\u5099\u751a\u9ebc\uff1f<\/h3>\n<p><strong>\u516c\u53f8\u6771\u4e3b\uff1a<\/strong> \u91cd\u9ede\u6574\u7406\u516c\u53f8\u5e33\u76ee\u3001\u7a05\u55ae\u3001\u8463\u4e8b\u85aa\u91d1\u3001\u5206\u7d05\u53ca\u516c\u53f8\u9280\u884c\u6708\u7d50\u55ae\u3002<\/p>\n<p><strong>\u81ea\u7531\u5de5\u4f5c\u8005\uff1a<\/strong> \u91cd\u9ede\u6574\u7406\u670d\u52d9\u5408\u7d04\u3001\u767c\u7968\u3001\u5ba2\u6236\u4ed8\u6b3e\u7d00\u9304\u53ca\u500b\u4eba\u5831\u7a05\u6587\u4ef6\u3002<\/p>\n<p><strong>\u7db2\u5e97\u7d93\u71df\u8005\uff1a<\/strong> \u53ef\u6574\u7406\u7db2\u5e97\u92b7\u552e\u5831\u8868\u3001\u652f\u4ed8\u5e73\u53f0\u7d50\u7b97\u7d00\u9304\u3001\u9280\u884c\u6536\u6b3e\u53ca\u696d\u52d9\u958b\u652f\u8cc7\u6599\u3002<\/p>\n<p><strong>\u4f63\u91d1\u5236\u5f9e\u696d\u54e1\uff1a<\/strong> \u53ef\u6574\u7406\u4f63\u91d1\u7d50\u7b97\u55ae\u3001\u9280\u884c\u5165\u5e33\u3001\u7a05\u55ae\uff0c\u4ee5\u53ca\u6301\u7e8c\u6536\u53d6\u4f63\u91d1\u7684\u7d00\u9304\u3002<\/p>\n<p><strong>\u81ea\u71df\u5c08\u696d\u4eba\u58eb\uff1a<\/strong> \u53ef\u63d0\u4f9b\u57f7\u696d\u8cc7\u683c\u3001\u696d\u52d9\u5e33\u76ee\u3001\u5ba2\u6236\u5408\u7d04\u53ca\u6536\u5165\u7d00\u9304\u3002<\/p>\n<p>\u6587\u4ef6\u7684\u76ee\u7684\uff0c\u662f\u8b93\u8cb8\u6b3e\u6a5f\u69cb\u6e05\u695a\u4e86\u89e3\u6536\u5165\u5f9e\u54ea\u88cf\u4f86\u3001\u662f\u5426\u6301\u7e8c\uff0c\u4ee5\u53ca\u7533\u8acb\u4eba\u80fd\u5426\u627f\u64d4\u8cb8\u6b3e\u3002<\/p>\n<h2>4. \u9280\u884c\u5982\u4f55\u8a08\u7b97\u81ea\u50f1\u4eba\u58eb\u6309\u63ed\u5165\u606f\uff1f<\/h2>\n<p><strong>\u9999\u6e2f\u9280\u884c\u6c92\u6709\u4e00\u5957\u9069\u7528\u65bc\u6240\u6709\u81ea\u50f1\u4eba\u58eb\u7684\u7d71\u4e00\u5165\u606f\u8a08\u7b97\u516c\u5f0f\u3002<\/strong><\/p>\n<p>\u9280\u884c\u53ef\u80fd\u7d9c\u5408\u7a05\u52d9\u7d00\u9304\u3001\u5be6\u969b\u696d\u52d9\u76c8\u5229\u3001\u8463\u4e8b\u85aa\u91d1\u3001\u80a1\u606f\u53ca\u6301\u7e8c\u6536\u6b3e\u60c5\u6cc1\uff0c\u8a55\u4f30\u53ef\u7528\u65bc\u9084\u6b3e\u7684\u8a8d\u53ef\u6536\u5165\u3002<\/p>\n<h3>\u516c\u53f8\u6771\u4e3b\uff1a\u4e3b\u8981\u770b\u696d\u52d9\u76c8\u5229\u53ca\u500b\u4eba\u6536\u5165<\/h3>\n<p>\u5c0d\u7368\u8cc7\u6216\u5408\u5925\u696d\u52d9\u7d93\u71df\u8005\uff0c\u9280\u884c\u53ef\u80fd\u53c3\u8003\u696d\u52d9\u76c8\u5229\u3001\u5229\u6f64\u5206\u914d\u53ca\u7a05\u52d9\u8cc7\u6599\u3002<\/p>\n<p>\u82e5\u7533\u8acb\u4eba\u900f\u904e\u6709\u9650\u516c\u53f8\u7d93\u71df\u696d\u52d9\uff0c\u9280\u884c\u4ea6\u53ef\u80fd\u5be9\u8996\u516c\u53f8\u7684\u76c8\u5229\u80fd\u529b\uff0c\u4ee5\u53ca\u8463\u4e8b\u85aa\u91d1\u6216\u80a1\u606f\u662f\u5426\u6709\u76f8\u61c9\u8ca1\u52d9\u7d00\u9304\u652f\u6301\u3002<\/p>\n<h3>\u81ea\u7531\u5de5\u4f5c\u8005\uff1a\u4e3b\u8981\u770b\u6536\u5165\u7d00\u9304\u53ca\u6301\u7e8c\u6027<\/h3>\n<p>\u81ea\u7531\u5de5\u4f5c\u8005\u6c92\u6709\u56fa\u5b9a\u6708\u85aa\uff0c\u8cb8\u6b3e\u6a5f\u69cb\u53ef\u80fd\u53c3\u8003\u8f03\u9577\u671f\u7684\u5be6\u969b\u6536\u6b3e\u3001\u5831\u7a05\u6587\u4ef6\u53ca\u5ba2\u6236\u5408\u7d04\u3002<\/p>\n<p>\u6536\u5165\u8f03\u9ad8\u7684\u500b\u5225\u6708\u4efd\uff0c\u4e0d\u4e00\u5b9a\u6703\u5168\u90e8\u7d0d\u5165\u9280\u884c\u7684\u8a8d\u53ef\u6708\u5165\u3002<\/p>\n<h3>\u8463\u4e8b\u85aa\u91d1\u52a0\u5206\u7d05\uff1a\u4e0d\u4e00\u5b9a\u53ef\u4ee5\u76f4\u63a5\u76f8\u52a0<\/h3>\n<p>\u5982\u679c\u7533\u8acb\u4eba\u540c\u6642\u6536\u53d6\u8463\u4e8b\u85aa\u91d1\u53ca\u516c\u53f8\u5206\u7d05\uff0c\u9280\u884c\u53ef\u80fd\u8981\u6c42\u76f8\u95dc\u5165\u5e33\u7d00\u9304\u3001\u516c\u53f8\u5e33\u76ee\u53ca\u6d3e\u606f\u8b49\u660e\u3002<\/p>\n<p>\u8cb8\u6b3e\u6a5f\u69cb\u4ea6\u53ef\u80fd\u6aa2\u67e5\u6709\u6c92\u6709\u91cd\u8907\u8a08\u7b97\u540c\u4e00\u7b46\u516c\u53f8\u76c8\u5229\u3002<\/p>\n<p><strong>\u91cd\u8981\u63d0\u9192\uff1a<\/strong> \u81ea\u50f1\u4eba\u58eb\u61c9\u63d0\u4ea4\u771f\u5be6\u53ca\u5b8c\u6574\u7684\u8ca1\u52d9\u7d00\u9304\uff0c\u4e0d\u61c9\u900f\u904e\u81e8\u6642\u8f49\u5e33\u3001\u865b\u69cb\u85aa\u91d1\u6216\u4e0d\u5be6\u767c\u7968\u88fd\u9020\u6536\u5165\u8b49\u660e\u3002<\/p>\n<h2>5. \u81ea\u50f1\u4eba\u58eb\u6c92\u6709\u7a05\u55ae\u6216\u7ce7\u55ae\uff0c\u53ef\u4ee5\u7533\u8acb\u6309\u63ed\u55ce\uff1f<\/h2>\n<p><strong>\u53ef\u4ee5\u63d0\u51fa\u7533\u8acb\uff0c\u4f46\u80fd\u5426\u7372\u6279\uff0c\u53d6\u6c7a\u65bc\u7f3a\u5c11\u6587\u4ef6\u7684\u539f\u56e0\u3001\u66ff\u4ee3\u8b49\u660e\u53ca\u8cb8\u6b3e\u6a5f\u69cb\u7684\u5be9\u6279\u653f\u7b56\u3002<\/strong><\/p>\n<p>\u300c\u6c92\u6709\u7a05\u55ae\u300d\u4e26\u4e0d\u4e00\u5b9a\u4ee3\u8868\u6c92\u6709\u6536\u5165\uff0c\u4ee5\u4e0b\u5e7e\u7a2e\u60c5\u6cc1\u61c9\u5206\u958b\u8655\u7406\u3002<\/p>\n<h3>\u60c5\u6cc1\u4e00\uff1a\u5df2\u5831\u7a05\uff0c\u4f46\u6c92\u6709\u9700\u8981\u7e73\u4ea4\u7684\u7a05\u6b3e<\/h3>\n<p>\u82e5\u7533\u8acb\u4eba\u5df2\u4f9d\u6cd5\u5831\u7a05\uff0c\u53ea\u56e0\u514d\u7a05\u984d\u3001\u6263\u9664\u9805\u76ee\u6216\u6536\u5165\u6c34\u5e73\u800c\u6c92\u6709\u61c9\u7e73\u7a05\u6b3e\uff0c\u4ecd\u53ef\u63d0\u4f9b\u9069\u7528\u7684\u8a55\u7a05\u901a\u77e5\u66f8\u53ca\u5176\u4ed6\u6536\u5165\u8b49\u660e\u3002<\/p>\n<h3>\u60c5\u6cc1\u4e8c\uff1a\u516c\u53f8\u525b\u6210\u7acb\uff0c\u672a\u6709\u5b8c\u6574\u8ca1\u52d9\u7d00\u9304<\/h3>\n<p>\u65b0\u6210\u7acb\u516c\u53f8\u53ef\u80fd\u5c1a\u672a\u6709\u8db3\u5920\u5e74\u5ea6\u5e33\u76ee\u3002\u53ef\u5148\u6e96\u5099\u516c\u53f8\u6210\u7acb\u81f3\u4eca\u7684\u9280\u884c\u6708\u7d50\u55ae\u3001\u5ba2\u6236\u5408\u7d04\u3001\u767c\u7968\u53ca\u7ba1\u7406\u5e33\u76ee\u3002<\/p>\n<p>\u4e0d\u904e\uff0c\u71df\u904b\u5e74\u671f\u77ed\u53ef\u80fd\u5f71\u97ff\u9280\u884c\u5c0d\u6536\u5165\u6301\u7e8c\u6027\u7684\u5224\u65b7\u3002<\/p>\n<h3>\u60c5\u6cc1\u4e09\uff1a\u6536\u5165\u4e3b\u8981\u4ee5\u73fe\u91d1\u6536\u53d6<\/h3>\n<p>\u73fe\u91d1\u6536\u5165\u82e5\u6c92\u6709\u6536\u64da\u3001\u5165\u5e33\u7d00\u9304\u6216\u5831\u7a05\u8cc7\u6599\u652f\u6301\uff0c\u6703\u8f03\u96e3\u88ab\u6838\u5be6\u3002<\/p>\n<p>\u7533\u8acb\u4eba\u61c9\u4fdd\u5b58\u771f\u5be6\u4ea4\u6613\u7d00\u9304\uff0c\u4e26\u4f9d\u6cd5\u8655\u7406\u5e33\u76ee\u53ca\u5831\u7a05\uff0c\u4e0d\u61c9\u70ba\u4e86\u7533\u8acb\u6309\u63ed\u800c\u865b\u5831\u6536\u5165\u3002<\/p>\n<h3>\u60c5\u6cc1\u56db\uff1a\u78ba\u5be6\u7121\u6cd5\u63d0\u4f9b\u50b3\u7d71\u5165\u606f\u8b49\u660e<\/h3>\n<p>\u90e8\u5206\u6301\u724c\u8cb8\u6b3e\u6a5f\u69cb\u8a2d\u6709\u6bcb\u9808\u50b3\u7d71\u7ce7\u55ae\u6216\u5165\u606f\u8b49\u660e\u7684\u7269\u696d\u62b5\u62bc\u8cb8\u6b3e\u65b9\u6848\u3002<\/p>\n<p>\u4ee5 <strong>GICL \u74b0\u7403\u4fe1\u8cb8\u7269\u696d\u4e00\u6309\u8cb8\u6b3e<\/strong>\u70ba\u4f8b\uff0c\u5176\u5b98\u65b9\u7522\u54c1\u9801\u5217\u660e\u6307\u5b9a\u65b9\u6848\u6bcb\u9808\u50b3\u7d71\u5165\u606f\u8b49\u660e\uff0c\u4e26\u6703\u6309\u7269\u696d\u53ca\u500b\u5225\u7533\u8acb\u60c5\u6cc1\u8a55\u4f30\u3002<\/p>\n<p>\u4f46\u514d\u5165\u606f\u8b49\u660e\u4e0d\u4ee3\u8868\u514d\u9664\u6240\u6709\u5be9\u67e5\uff0c\u4ea6\u4e0d\u4ee3\u8868\u5fc5\u7136\u7372\u5f97\u8cb8\u6b3e\u3002<\/p>\n<p><a href=\"https:\/\/gicl.com.hk\/en\/first-mortgage\/\" target=\"_blank\" rel=\"noopener noreferrer\">\u67e5\u770b GICL \u514d\u50b3\u7d71\u5165\u606f\u8b49\u660e\u7269\u696d\u4e00\u6309\u65b9\u6848<\/a><\/p>\n<h2>6. \u81ea\u50f1\u4eba\u58eb\u6309\u63ed\u6210\u6578\u6700\u9ad8\u53ef\u4ee5\u501f\u5e7e\u591a\uff1f<\/h2>\n<p>\u81ea\u50f1\u4eba\u58eb\u6309\u63ed\u6210\u6578\u4e26\u6c92\u6709\u4e00\u500b\u9069\u7528\u65bc\u6240\u6709\u60c5\u6cc1\u7684\u7b54\u6848\u3002<\/p>\n<p>\u8cb8\u6b3e\u984d\u4e3b\u8981\u53d7\u7269\u696d\u4f30\u503c\u3001\u8cb8\u6b3e\u7528\u9014\u3001\u4f9b\u6b3e\u80fd\u529b\u3001\u7533\u8acb\u4eba\u8ca1\u52d9\u72c0\u6cc1\u3001\u6309\u63ed\u4fdd\u96aa\u8cc7\u683c\u53ca\u8cb8\u6b3e\u6a5f\u69cb\u653f\u7b56\u5f71\u97ff\u3002<\/p>\n<h3>\u4e00\u822c\u9280\u884c\u4f4f\u5b85\u6309\u63ed\uff1a\u76e3\u7ba1\u4e0a\u9650\u70ba\u4e03\u6210<\/h3>\n<p>\u6839\u64da\u9999\u6e2f\u91d1\u878d\u7ba1\u7406\u5c40\u65bc2024\u5e7410\u670816\u65e5\u751f\u6548\u7684\u7269\u696d\u6309\u63ed\u76e3\u7ba1\u63aa\u65bd\uff0c\u4e00\u822c\u4f4f\u5b85\u7269\u696d\u6309\u63ed\u7684\u8cb8\u6b3e\u50f9\u503c\u6bd4\u7387\uff08Loan-to-Value Ratio\uff0cLTV\uff09\u4e0a\u9650\u70ba70%\uff0c\u4f9b\u6b3e\u8207\u5165\u606f\u6bd4\u7387\uff08Debt Servicing Ratio\uff0cDSR\uff09\u4e0a\u9650\u70ba50%\u3002<\/p>\n<p>\u76f8\u95dc\u63aa\u65bd\u9069\u7528\u65bc\u5176\u6307\u5b9a\u7bc4\u570d\u5167\u7684\u8a8d\u53ef\u6a5f\u69cb\u7269\u696d\u6309\u63ed\u8cb8\u6b3e\u3002<\/p>\n<p><strong>70%\u548c50%\u5c6c\u76e3\u7ba1\u4e0a\u9650\uff0c\u4e26\u4e0d\u662f\u9280\u884c\u7684\u6279\u6838\u627f\u8afe\u3002<\/strong> \u9280\u884c\u4ecd\u9808\u6309\u500b\u5225\u60c5\u6cc1\u4f5c\u51fa\u4fe1\u8cb8\u5be9\u6279\u3002<\/p>\n<h3>\u81ea\u50f1\u4eba\u58eb\u53ef\u4ee5\u7533\u8acb\u516b\u6210\u6309\u63ed\u55ce\uff1f<\/h3>\n<p>\u53ef\u4ee5\u8003\u616e\uff0c\u4f46\u5fc5\u9808\u7b26\u5408\u6309\u63ed\u4fdd\u96aa\u8a08\u5283\u7684\u9069\u7528\u689d\u4ef6\u3002<\/p>\n<p>\u9999\u6e2f\u6309\u8b49\u4fdd\u96aa\u7684\u6309\u63ed\u4fdd\u96aa\u8a08\u5283\u5bb9\u8a31\u7b26\u5408\u8981\u6c42\u7684\u4f4f\u5b85\u7269\u696d\u6309\u63ed\u7533\u8acb\uff0c\u5728\u6307\u5b9a\u7269\u696d\u50f9\u503c\u7bc4\u570d\u5167\u53d6\u5f97\u9ad8\u65bc\u4e00\u822c\u9280\u884c\u76e3\u7ba1\u8cb8\u6b3e\u6210\u6578\u7684\u878d\u8cc7\u3002<\/p>\n<p>\u90e8\u5206\u7b26\u5408\u8cc7\u683c\u7684\u81ea\u50f1\u4eba\u58eb\u53ef\u8003\u616e\u6700\u9ad8\u516b\u6210\u6309\u63ed\uff0c\u5be6\u969b\u6210\u6578\u4ea6\u6703\u53d7\u7269\u696d\u50f9\u683c\u3001\u8cb8\u6b3e\u984d\u53ca\u500b\u4eba\u60c5\u6cc1\u9650\u5236\u3002<\/p>\n<h3>\u81ea\u50f1\u4eba\u58eb\u53ef\u4ee5\u7533\u8acb\u4e5d\u6210\u6309\u63ed\u55ce\uff1f<\/h3>\n<p>\u5c0d\u4e00\u822c\u79c1\u4eba\u4f4f\u5b85\u6309\u63ed\u4fdd\u96aa\u8a08\u5283\u800c\u8a00\uff0c<strong>\u8d85\u904e\u516b\u6210\u81f3\u4e5d\u6210\u7684\u7533\u8acb\u8981\u6c42\u6240\u6709\u7533\u8acb\u4eba\u5747\u5c6c\u56fa\u5b9a\u53d7\u85aa\u4eba\u58eb<\/strong>\uff0c\u4e26\u9808\u7b26\u5408\u5176\u4ed6\u689d\u4ef6\uff0c\u5305\u62ec\u76f8\u95dc\u62b5\u62bc\u4eba\u65bc\u7533\u8acb\u6642\u6c92\u6709\u6301\u6709\u9999\u6e2f\u4f4f\u5b85\u7269\u696d\u3002<\/p>\n<p>\u56e0\u6b64\uff0c\u4e3b\u8981\u4f9d\u9760\u81ea\u71df\u696d\u52d9\u6536\u5165\u7684\u7533\u8acb\u4eba\uff0c\u4e0d\u61c9\u5047\u8a2d\u81ea\u5df1\u7b26\u5408\u4e5d\u6210\u6309\u63ed\u8cc7\u683c\u3002<\/p>\n<p>\u8cc7\u52a9\u51fa\u552e\u623f\u5c4b\u53ca\u5176\u4ed6\u7279\u6b8a\u8a08\u5283\u53ef\u80fd\u53e6\u6709\u5b89\u6392\uff0c\u61c9\u5206\u5225\u6838\u5be6\u3002<\/p>\n<h3>\u8ca1\u52d9\u516c\u53f8\u6309\u63ed\u6210\u6578\u662f\u5426\u4e00\u6a23\uff1f<\/h3>\n<p>\u6301\u724c\u653e\u50b5\u4eba\u4e0d\u61c9\u76f4\u63a5\u5957\u7528\u9280\u884c\u7684\u4e00\u822c\u6309\u63ed\u4fdd\u96aa\u53ca\u6210\u6578\u6846\u67b6\u3002<\/p>\n<p>\u5176\u7269\u696d\u62b5\u62bc\u8cb8\u6b3e\u689d\u4ef6\u6703\u6309\u500b\u5225\u7522\u54c1\u3001\u7269\u696d\u4f30\u503c\u3001\u8cb8\u6b3e\u7528\u9014\u53ca\u98a8\u96aa\u8a55\u4f30\u6c7a\u5b9a\u3002<\/p>\n<p>GICL \u5b98\u65b9\u4e00\u6309\u7522\u54c1\u9801\u5217\u660e\uff0c\u6307\u5b9a\u7269\u696d\u4e00\u6309\u65b9\u6848\u8cb8\u6b3e\u984d\u53ef\u9ad8\u9054\u7269\u696d\u4f30\u503c\u516b\u6210\uff0c\u5be6\u969b\u8cb8\u6b3e\u984d\u53ca\u689d\u4ef6\u9808\u6309\u500b\u5225\u7533\u8acb\u5be9\u6279\u3002<\/p>\n<h2>7. \u4f9b\u6b3e\u8207\u5165\u606f\u6bd4\u7387\uff08DSR\uff09\u5982\u4f55\u5f71\u97ff\u81ea\u50f1\u4eba\u58eb\u6309\u63ed\uff1f<\/h2>\n<p>\u4f9b\u6b3e\u8207\u5165\u606f\u6bd4\u7387\uff0c\u662f\u8cb8\u6b3e\u6a5f\u69cb\u7528\u4f86\u8861\u91cf\u7533\u8acb\u4eba\u6bcf\u6708\u50b5\u52d9\u4f9b\u6b3e\u76f8\u5c0d\u65bc\u8a8d\u53ef\u6536\u5165\u7684\u6bd4\u4f8b\u3002<\/p>\n<p><strong>\u57fa\u672c\u8a08\u7b97\u65b9\u5f0f\uff1a<\/strong><\/p>\n<p>\u4f9b\u6b3e\u8207\u5165\u606f\u6bd4\u7387 = \u6bcf\u6708\u76f8\u95dc\u50b5\u52d9\u4f9b\u6b3e \u00f7 \u6bcf\u6708\u8a8d\u53ef\u6536\u5165 \u00d7 100%<\/p>\n<p>\u8209\u4f8b\u4f86\u8aaa\uff1a<\/p>\n<p>\u5047\u8a2d\u8cb8\u6b3e\u6a5f\u69cb\u8a8d\u53ef\u81ea\u50f1\u4eba\u58eb\u6bcf\u6708\u6536\u5165\u70ba HK$40,000\uff0c\u800c\u76f8\u95dc\u6bcf\u6708\u8cb8\u6b3e\u4f9b\u6b3e\u5408\u8a08 HK$18,000\uff1a<\/p>\n<p>DSR = HK$18,000 \u00f7 HK$40,000 \u00d7 100% = 45%<\/p>\n<p>\u9019\u53ea\u662f\u8a08\u7b97\u793a\u4f8b\uff0c\u4e26\u975e\u8cb8\u6b3e\u6279\u6838\u7d50\u679c\u3002<\/p>\n<p>\u5be6\u969b\u5be9\u6279\u6642\uff0c\u8cb8\u6b3e\u6a5f\u69cb\u53ef\u80fd\u63a1\u7528\u8207\u7533\u8acb\u4eba\u81ea\u884c\u4f30\u7b97\u4e0d\u540c\u7684\u8a8d\u53ef\u6536\u5165\u53ca\u50b5\u52d9\u4f9b\u6b3e\u6578\u5b57\u3002<\/p>\n<p>\u7533\u8acb\u4eba\u4ea6\u61c9\u9810\u7559\u8db3\u5920\u6d41\u52d5\u8cc7\u91d1\uff0c\u4ee5\u61c9\u4ed8\u6536\u5165\u4e0b\u964d\u3001\u5229\u7387\u8b8a\u52d5\u53ca\u7a81\u767c\u958b\u652f\u3002<\/p>\n<h2>8. \u9280\u884c\u6309\u63ed\u8207\u6301\u724c\u8ca1\u52d9\u516c\u53f8\u6309\u63ed\u6709\u751a\u9ebc\u5206\u5225\uff1f<\/h2>\n<p>\u81ea\u50f1\u4eba\u58eb\u53ef\u4ee5\u6839\u64da\u6536\u5165\u8b49\u660e\u662f\u5426\u5b8c\u6574\u3001\u7269\u696d\u72c0\u6cc1\u3001\u8cb8\u6b3e\u7528\u9014\u53ca\u8cc7\u91d1\u9700\u8981\uff0c\u6bd4\u8f03\u9280\u884c\u8207\u6301\u724c\u8cb8\u6b3e\u6a5f\u69cb\u7684\u65b9\u6848\u3002<\/p>\n<table class=\"border-collapse table-auto w-full\" style=\"min-width: 75px;\">\n<colgroup>\n<col style=\"min-width: 25px;\">\n<col style=\"min-width: 25px;\">\n<col style=\"min-width: 25px;\"><\/colgroup>\n<tbody>\n<tr>\n<th class=\"border border-border bg-surface-sunken px-3 py-2 text-left font-medium\" colspan=\"1\" rowspan=\"1\">\n<p>Comparison Item<\/p>\n<\/th>\n<th class=\"border border-border bg-surface-sunken px-3 py-2 text-left font-medium\" colspan=\"1\" rowspan=\"1\">\n<p>\ud83c\udfe6 Traditional Banks<\/p>\n<\/th>\n<th class=\"border border-border bg-surface-sunken px-3 py-2 text-left font-medium\" colspan=\"1\" rowspan=\"1\">\n<p>Licensed lender<\/p>\n<\/th>\n<\/tr>\n<tr>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>Income Proof<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u4e00\u822c\u8981\u6c42\u8f03\u5b8c\u6574\u7684\u6536\u5165\u6587\u4ef6<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u90e8\u5206\u6307\u5b9a\u7522\u54c1\u6bcb\u9808\u50b3\u7d71\u5165\u606f\u8b49\u660e<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u8ca1\u52d9\u8cc7\u6599<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u53ef\u80fd\u5be9\u6838\u7a05\u55ae\u3001\u516c\u53f8\u5e33\u76ee\u53ca\u9280\u884c\u6d41\u6c34<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u6309\u500b\u5225\u7522\u54c1\u53ca\u500b\u6848\u5be9\u6838<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>Loan-to-Value (LTV) Ratio<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u9808\u8003\u616e\u91d1\u7ba1\u5c40\u9069\u7528\u76e3\u7ba1\u8981\u6c42\u53ca\u6309\u4fdd\u8cc7\u683c<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u6309\u7522\u54c1\u3001\u7269\u696d\u53ca\u500b\u5225\u98a8\u96aa\u8a55\u4f30<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u5229\u606f\u53ca\u8cbb\u7528<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u4e00\u822c\u8f03\u4f4e\uff0c\u4f46\u8996\u4e4e\u7522\u54c1\u53ca\u689d\u6b3e<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u53ef\u80fd\u8f03\u9ad8\uff0c\u9808\u6bd4\u8f03\u7e3d\u501f\u8cb8\u6210\u672c<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>Approval Time<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u6309\u9280\u884c\u6d41\u7a0b\u53ca\u6587\u4ef6\u5b8c\u6574\u5ea6\u800c\u5b9a<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u90e8\u5206\u7522\u54c1\u63d0\u4f9b\u8f03\u5feb\u6377\u7684\u521d\u6b65\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>\u7269\u696d\u8981\u6c42<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u53d7\u9280\u884c\u4f30\u503c\u53ca\u5167\u90e8\u653f\u7b56\u5f71\u97ff<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u90e8\u5206\u6a5f\u69cb\u53ef\u8003\u616e\u8f03\u591a\u7269\u696d\u7a2e\u985e<\/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>\u6536\u5165\u53ca\u8ca1\u52d9\u6587\u4ef6\u8f03\u5b8c\u6574<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u7f3a\u5c11\u50b3\u7d71\u5165\u606f\u6587\u4ef6\u6216\u6709\u7279\u6b8a\u878d\u8cc7\u9700\u8981<\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>\u4ee5\u4e0a\u53ea\u5c6c\u4e00\u822c\u6bd4\u8f03\uff0c\u4e26\u975e\u6240\u6709\u9280\u884c\u6216\u8ca1\u52d9\u516c\u53f8\u7684\u7d71\u4e00\u6a19\u6e96\u3002<\/p>\n<p>\u9078\u64c7\u8cb8\u6b3e\u65b9\u6848\u6642\uff0c\u4e0d\u61c9\u53ea\u770b\u8cb8\u6b3e\u6210\u6578\u6216\u6279\u6838\u901f\u5ea6\uff0c\u9084\u8981\u6bd4\u8f03\u5be6\u969b\u5e74\u5229\u7387\u3001\u9084\u6b3e\u671f\u3001\u5f8b\u5e2b\u53ca\u884c\u653f\u8cbb\u7528\u3001\u63d0\u524d\u9084\u6b3e\u689d\u6b3e\uff0c\u4ee5\u53ca\u62b5\u62bc\u7269\u696d\u7684\u98a8\u96aa\u3002<\/p>\n<h3>\u5df2\u4f9b\u6eff\u7269\u696d\u548c\u4ecd\u6709\u6309\u63ed\u7684\u7269\u696d\uff0c\u7533\u8acb\u65b9\u6cd5\u6709\u4f55\u4e0d\u540c\uff1f<\/h3>\n<p>\u82e5\u7269\u696d\u5df2\u4f9b\u6eff\u6309\u63ed\uff0c\u696d\u4e3b\u53ef\u4e86\u89e3\u91cd\u65b0\u62b5\u62bc\u7269\u696d\u4ee5\u53d6\u5f97\u8cb8\u6b3e\u7684\u65b9\u6848\u3002<\/p>\n<p>\u82e5\u7269\u696d\u4ecd\u6709\u73fe\u5b58\u4e00\u6309\uff0c\u5247\u53ef\u80fd\u6d89\u53ca\u8f49\u6309\u3001\u52a0\u6309\u6216\u4e8c\u6309\u3002\u9019\u4e9b\u5b89\u6392\u5728\u8cb8\u6b3e\u7d50\u69cb\u3001\u62b5\u62bc\u9806\u4f4d\u3001\u8cbb\u7528\u53ca\u73fe\u6709\u8cb8\u6b3e\u689d\u6b3e\u65b9\u9762\u5747\u6709\u5206\u5225\uff0c\u61c9\u500b\u5225\u8a55\u4f30\u3002<\/p>\n<p><a href=\"https:\/\/gicl.com.hk\/en\/first-mortgage\/\" target=\"_blank\" rel=\"noopener noreferrer\">\u4e86\u89e3 GICL \u7269\u696d\u4e00\u6309\u8cb8\u6b3e<\/a><\/p>\n<h2>9. \u81ea\u50f1\u4eba\u58eb\u5982\u4f55\u63d0\u9ad8\u6309\u63ed\u7533\u8acb\u6210\u529f\u6a5f\u6703\uff1f\u516b\u500b\u6e96\u5099\u6b65\u9a5f<\/h2>\n<p>\u6c92\u6709\u65b9\u6cd5\u80fd\u4fdd\u8b49\u6309\u63ed\u7372\u6279\uff0c\u4f46\u4ee5\u4e0b\u63aa\u65bd\u6709\u52a9\u8cb8\u6b3e\u6a5f\u69cb\u66f4\u6e05\u695a\u8a55\u4f30\u7533\u8acb\u4eba\u7684\u6536\u5165\u53ca\u8ca1\u52d9\u60c5\u6cc1\u3002<\/p>\n<h3>\u7b2c\u4e00\u6b65\uff1a\u5206\u958b\u516c\u53f8\u8207\u500b\u4eba\u9280\u884c\u5e33\u6236<\/h3>\n<p>\u6e05\u695a\u5340\u5206\u696d\u52d9\u6536\u6b3e\u3001\u71df\u904b\u958b\u652f\u53ca\u79c1\u4eba\u6d88\u8cbb\uff0c\u6e1b\u5c11\u8cc7\u91d1\u4f86\u6e90\u96e3\u4ee5\u6838\u5be6\u7684\u60c5\u6cc1\u3002<\/p>\n<h3>\u7b2c\u4e8c\u6b65\uff1a\u6574\u7406\u9023\u7e8c\u7684\u9280\u884c\u6d41\u6c34<\/h3>\n<p>\u6e96\u5099\u5b8c\u6574\u800c\u9023\u8cab\u7684\u9280\u884c\u6708\u7d50\u55ae\uff0c\u4e0d\u8981\u53ea\u63d0\u4f9b\u6536\u5165\u6700\u9ad8\u7684\u6708\u4efd\u3002<\/p>\n<h3>\u7b2c\u4e09\u6b65\uff1a\u59a5\u5584\u4fdd\u5b58\u5408\u7d04\u3001\u767c\u7968\u53ca\u6536\u64da<\/h3>\n<p>\u4fdd\u7559\u5ba2\u6236\u5408\u7d04\u3001\u9805\u76ee\u8a18\u9304\u3001\u7db2\u5e97\u7d50\u7b97\u5831\u544a\u53ca\u5be6\u969b\u6536\u6b3e\u8cc7\u6599\uff0c\u65b9\u4fbf\u6838\u5be6\u6536\u5165\u4f86\u6e90\u3002<\/p>\n<h3>\u7b2c\u56db\u6b65\uff1a\u5b9a\u671f\u8655\u7406\u516c\u53f8\u5e33\u76ee\u53ca\u5831\u7a05<\/h3>\n<p>\u4fdd\u6301\u771f\u5be6\u3001\u5b8c\u6574\u7684\u8ca1\u52d9\u53ca\u7a05\u52d9\u7d00\u9304\uff0c\u4e26\u6309\u76f8\u95dc\u6cd5\u4f8b\u5c65\u884c\u7533\u5831\u8cac\u4efb\u3002<\/p>\n<h3>\u7b2c\u4e94\u6b65\uff1a\u6e05\u695a\u8a18\u9304\u8463\u4e8b\u85aa\u91d1\u53ca\u5206\u7d05<\/h3>\n<p>\u82e5\u516c\u53f8\u5411\u6771\u4e3b\u652f\u4ed8\u85aa\u91d1\u6216\u5206\u7d05\uff0c\u61c9\u6709\u771f\u5be6\u7684\u516c\u53f8\u53ca\u500b\u4eba\u8ca1\u52d9\u7d00\u9304\u652f\u6301\u3002<\/p>\n<h3>\u7b2c\u516d\u6b65\uff1a\u5168\u9762\u4e86\u89e3\u500b\u4eba\u50b5\u52d9<\/h3>\n<p>\u6574\u7406\u4fe1\u7528\u5361\u6b20\u6b3e\u3001\u79c1\u4eba\u8cb8\u6b3e\u3001\u6c7d\u8eca\u8cb8\u6b3e\u3001\u5176\u4ed6\u6309\u63ed\u53ca\u76f8\u95dc\u64d4\u4fdd\u8cac\u4efb\uff0c\u907f\u514d\u907a\u6f0f\u8cc7\u6599\u3002<\/p>\n<h3>\u7b2c\u4e03\u6b65\uff1a\u9810\u5148\u4e86\u89e3\u7269\u696d\u4f30\u503c\u53ca\u9996\u671f<\/h3>\n<p>\u7269\u696d\u6210\u4ea4\u50f9\u4e0d\u4e00\u5b9a\u7b49\u65bc\u8cb8\u6b3e\u6a5f\u69cb\u7684\u4f30\u503c\u3002\u82e5\u4f30\u503c\u4e0d\u8db3\uff0c\u7533\u8acb\u4eba\u53ef\u80fd\u9700\u8981\u88dc\u8db3\u984d\u5916\u9996\u671f\u3002<\/p>\n<h3>\u7b2c\u516b\u6b65\uff1a\u6bd4\u8f03\u5be6\u969b\u5e74\u5229\u7387\u53ca\u7e3d\u501f\u8cb8\u6210\u672c<\/h3>\n<p>\u9664\u4e86\u540d\u7fa9\u606f\u7387\uff0c\u4ea6\u61c9\u4e86\u89e3\u7e3d\u5229\u606f\u3001\u8cbb\u7528\u3001\u9084\u6b3e\u7d50\u69cb\u3001\u63d0\u524d\u9084\u6b3e\u689d\u6b3e\uff0c\u4ee5\u53ca\u53ef\u80fd\u51fa\u73fe\u7684\u903e\u671f\u8cbb\u7528\u3002<\/p>\n<h2>10. \u4e09\u7a2e\u5e38\u898b\u81ea\u50f1\u4eba\u58eb\u6309\u63ed\u7533\u8acb\u60c5\u6cc1<\/h2>\n<p>\u4ee5\u4e0b\u5747\u70ba\u5047\u8a2d\u60c5\u5883\uff0c\u7528\u4f5c\u8aaa\u660e\u6e96\u5099\u6587\u4ef6\u7684\u65b9\u6cd5\uff0c\u4e26\u975e GICL \u5be6\u969b\u5ba2\u6236\u6848\u4f8b\u6216\u8cb8\u6b3e\u627f\u8afe\u3002<\/p>\n<h3>\u60c5\u6cc1\u4e00\uff1a\u4e2d\u5c0f\u4f01\u8001\u95c6\u6709\u56fa\u5b9a\u8463\u4e8b\u85aa\u91d1<\/h3>\n<p>\u7533\u8acb\u4eba\u7d93\u71df\u6709\u9650\u516c\u53f8\u591a\u5e74\uff0c\u6bcf\u6708\u6536\u53d6\u8463\u4e8b\u85aa\u91d1\uff0c\u516c\u53f8\u4ea6\u6709\u6301\u7e8c\u696d\u52d9\u6536\u5165\u3002<\/p>\n<p><strong>\u6e96\u5099\u91cd\u9ede\uff1a<\/strong> \u63d0\u4f9b\u8463\u4e8b\u85aa\u91d1\u9280\u884c\u5165\u5e33\u3001\u500b\u4eba\u7a05\u52d9\u6587\u4ef6\u3001\u516c\u53f8\u8ca1\u52d9\u5831\u8868\u53ca\u696d\u52d9\u9280\u884c\u6708\u7d50\u55ae\uff0c\u8b49\u660e\u85aa\u91d1\u4f86\u6e90\u548c\u516c\u53f8\u71df\u904b\u72c0\u6cc1\u3002<\/p>\n<h3>\u60c5\u6cc1\u4e8c\uff1a\u81ea\u7531\u5de5\u4f5c\u8005\u6c92\u6709\u6bcf\u6708\u56fa\u5b9a\u6536\u5165<\/h3>\n<p>\u7533\u8acb\u4eba\u540c\u6642\u670d\u52d9\u591a\u500b\u5ba2\u6236\uff0c\u6536\u5165\u56e0\u9805\u76ee\u9032\u5ea6\u800c\u6709\u6240\u4e0d\u540c\u3002<\/p>\n<p><strong>\u6e96\u5099\u91cd\u9ede\uff1a<\/strong> \u6574\u7406\u670d\u52d9\u5408\u7d04\u3001\u767c\u7968\u3001\u4ed8\u6b3e\u7d00\u9304\u3001\u9280\u884c\u6d41\u6c34\u53ca\u5831\u7a05\u8cc7\u6599\uff0c\u5c55\u793a\u6536\u5165\u7684\u6301\u7e8c\u6027\u3002<\/p>\n<h3>\u60c5\u6cc1\u4e09\uff1a\u516c\u53f8\u525b\u6210\u7acb\uff0c\u6c92\u6709\u5b8c\u6574\u5e74\u5ea6\u5e33\u76ee<\/h3>\n<p>\u7533\u8acb\u4eba\u7d93\u71df\u65b0\u516c\u53f8\uff0c\u66ab\u6642\u6c92\u6709\u8db3\u5920\u5e74\u5ea6\u8ca1\u52d9\u7d00\u9304\uff0c\u4f46\u6301\u6709\u7269\u696d\u4e26\u6709\u878d\u8cc7\u9700\u8981\u3002<\/p>\n<p><strong>\u6e96\u5099\u91cd\u9ede\uff1a<\/strong> \u6536\u96c6\u73fe\u6709\u696d\u52d9\u7d00\u9304\u3001\u516c\u53f8\u9280\u884c\u6d41\u6c34\u3001\u7ba1\u7406\u5e33\u76ee\u53ca\u7269\u696d\u8cc7\u6599\uff0c\u5148\u4e86\u89e3\u9280\u884c\u8981\u6c42\uff0c\u518d\u6bd4\u8f03\u5176\u4ed6\u6301\u724c\u8cb8\u6b3e\u6a5f\u69cb\u7684\u5408\u9069\u7522\u54c1\u3002<\/p>\n<h2>11. \u81ea\u50f1\u4eba\u58eb\u6309\u63ed\u5e38\u898b\u554f\u984c FAQ<\/h2>\n<h3>Q1\uff1a\u81ea\u50f1\u4eba\u58eb\u6c92\u6709\u7ce7\u55ae\uff0c\u9280\u884c\u6703\u6279\u6309\u63ed\u55ce\uff1f<\/h3>\n<p>\u6709\u6a5f\u6703\u3002\u9280\u884c\u53ef\u4ee5\u6839\u64da\u7a05\u55ae\u3001\u9280\u884c\u6d41\u6c34\u3001\u516c\u53f8\u5e33\u76ee\u53ca\u5176\u4ed6\u6536\u5165\u8b49\u660e\u8a55\u4f30\u7533\u8acb\u3002\u4e0d\u904e\uff0c\u6700\u7d42\u662f\u5426\u6279\u6838\u53ca\u8a8d\u53ef\u591a\u5c11\u6536\u5165\uff0c\u7531\u500b\u5225\u9280\u884c\u6c7a\u5b9a\u3002<\/p>\n<h3>Q2\uff1a\u81ea\u50f1\u4eba\u58eb\u4e00\u5b9a\u9700\u8981\u5169\u5e74\u7a05\u55ae\u55ce\uff1f<\/h3>\n<p>\u4e0d\u4e00\u5b9a\u3002\u9280\u884c\u8981\u6c42\u53ef\u80fd\u56e0\u7533\u8acb\u4eba\u53ca\u696d\u52d9\u60c5\u6cc1\u800c\u7570\uff0c\u6709\u4e9b\u500b\u6848\u53ef\u80fd\u9700\u8981\u66f4\u9577\u7684\u7a05\u52d9\u53ca\u8ca1\u52d9\u7d00\u9304\u3002\u5730\u7522\u4ee3\u7406\u76e3\u7ba1\u5c40\u7684\u6309\u63ed\u8cc7\u8a0a\u4ea6\u63d0\u53ca\u7368\u8cc7\u53ca\u5408\u5925\u7d93\u71df\u8005\u53ef\u80fd\u9700\u8981\u63d0\u4ea4\u904e\u53bb\u4e09\u5e74\u7684\u76f8\u95dc\u8cc7\u6599\u3002<\/p>\n<h3>Q3\uff1a\u81ea\u50f1\u4eba\u58eb\u6c92\u6709\u7a05\u55ae\u53ef\u4ee5\u7533\u8acb\u6309\u63ed\u55ce\uff1f<\/h3>\n<p>\u53ef\u4ee5\u5411\u8cb8\u6b3e\u6a5f\u69cb\u67e5\u8a62\uff0c\u4f46\u6c92\u6709\u7a05\u55ae\u7684\u539f\u56e0\u5f88\u91cd\u8981\u3002\u82e5\u56e0\u696d\u52d9\u65b0\u6210\u7acb\u6216\u5c1a\u672a\u6709\u8a55\u7a05\u901a\u77e5\u66f8\uff0c\u8cb8\u6b3e\u6a5f\u69cb\u53ef\u80fd\u8003\u616e\u5176\u4ed6\u8b49\u660e\uff1b\u82e5\u6d89\u53ca\u672a\u5c65\u884c\u5831\u7a05\u8cac\u4efb\uff0c\u61c9\u5148\u4f9d\u6cd5\u8655\u7406\u3002<\/p>\n<h3>Q4\uff1a\u516c\u53f8\u71df\u696d\u984d\u9ad8\uff0c\u662f\u5426\u4ee3\u8868\u53ef\u4ee5\u501f\u66f4\u591a\uff1f<\/h3>\n<p>\u4e0d\u4e00\u5b9a\u3002\u71df\u696d\u984d\u4e0d\u7b49\u65bc\u5229\u6f64\uff0c\u66f4\u4e0d\u7b49\u65bc\u6771\u4e3b\u7684\u500b\u4eba\u8a8d\u53ef\u6536\u5165\u3002\u9280\u884c\u53ef\u80fd\u540c\u6642\u8003\u616e\u516c\u53f8\u958b\u652f\u3001\u76c8\u5229\u3001\u50b5\u52d9\u3001\u8463\u4e8b\u85aa\u91d1\u53ca\u5206\u7d05\u7d00\u9304\u3002<\/p>\n<h3>Q5\uff1a\u81ea\u50f1\u4eba\u58eb\u6700\u591a\u53ef\u4ee5\u501f\u5e7e\u591a\u6210\u6309\u63ed\uff1f<\/h3>\n<p>\u4e00\u822c\u9280\u884c\u4f4f\u5b85\u7269\u696d\u6309\u63ed\u53d7\u76f8\u95dc\u76e3\u7ba1\u8981\u6c42\u53ca\u4fe1\u8cb8\u5be9\u6279\u9650\u5236\u3002\u7b26\u5408\u6309\u4fdd\u8cc7\u683c\u7684\u81ea\u50f1\u4eba\u58eb\u53ef\u8003\u616e\u6307\u5b9a\u9ad8\u6210\u6578\u65b9\u6848\uff0c\u5305\u62ec\u90e8\u5206\u6700\u9ad8\u516b\u6210\u6309\u63ed\uff1b\u6301\u724c\u8ca1\u52d9\u516c\u53f8\u7684\u8cb8\u6b3e\u6210\u6578\u5247\u9808\u6309\u7522\u54c1\u53ca\u500b\u6848\u78ba\u8a8d\u3002<\/p>\n<h3>Q6\uff1a\u6c92\u6709\u5165\u606f\u8b49\u660e\u53ef\u4ee5\u5411\u8ca1\u52d9\u516c\u53f8\u7533\u8acb\u4e00\u6309\u55ce\uff1f<\/h3>\n<p>\u90e8\u5206\u6301\u724c\u8cb8\u6b3e\u6a5f\u69cb\u8a2d\u6709\u6bcb\u9808\u50b3\u7d71\u5165\u606f\u8b49\u660e\u7684\u7269\u696d\u4e00\u6309\u65b9\u6848\uff0c\u4f8b\u5982 GICL \u7684\u6307\u5b9a\u4e00\u6309\u7522\u54c1\u3002\u4f46\u4ecd\u9808\u63d0\u4f9b\u9069\u7528\u7684\u8eab\u4efd\u3001\u7269\u696d\u53ca\u5176\u4ed6\u5be9\u6279\u8cc7\u6599\uff0c\u4ea6\u4e0d\u4fdd\u8b49\u8cb8\u6b3e\u7372\u6279\u3002<\/p>\n<h3>Q7\uff1a\u516c\u53f8\u6210\u7acb\u4e0d\u8db3\u5169\u5e74\uff0c\u53ef\u4ee5\u7533\u8acb\u6309\u63ed\u55ce\uff1f<\/h3>\n<p>\u53ef\u4ee5\u63d0\u51fa\u7533\u8acb\uff0c\u4f46\u71df\u904b\u53ca\u8ca1\u52d9\u7d00\u9304\u8f03\u77ed\uff0c\u53ef\u80fd\u5f71\u97ff\u9280\u884c\u5c0d\u6536\u5165\u7a69\u5b9a\u6027\u7684\u8a55\u4f30\u3002\u7533\u8acb\u4eba\u53ef\u6e96\u5099\u6210\u7acb\u81f3\u4eca\u7684\u8ca1\u52d9\u8cc7\u6599\uff0c\u518d\u4e86\u89e3\u4e0d\u540c\u8cb8\u6b3e\u6a5f\u69cb\u7684\u8981\u6c42\u3002<\/p>\n<h3>Q8\uff1a\u8ca1\u52d9\u516c\u53f8\u6309\u63ed\u4e00\u5b9a\u4e0d\u5f71\u97ff TU \u4fe1\u8cb8\u8a55\u7d1a\u55ce\uff1f<\/h3>\n<p>\u4e0d\u80fd\u4e00\u6982\u800c\u8ad6\u3002\u4fe1\u8cb8\u67e5\u8a62\u3001\u8cc7\u6599\u7533\u5831\u53ca\u5c0d\u4fe1\u8cb8\u7d00\u9304\u7684\u5f71\u97ff\uff0c\u53ef\u80fd\u56e0\u6a5f\u69cb\u53ca\u7522\u54c1\u800c\u7570\u3002\u7533\u8acb\u524d\u61c9\u5411\u8cb8\u6b3e\u6a5f\u69cb\u78ba\u8a8d\u76f8\u95dc\u5b89\u6392\uff0c\u4e0d\u61c9\u55ae\u6191\u300c\u4e0d\u5f71\u97ff TU\u300d\u7684\u53e3\u982d\u8aaa\u6cd5\u4f5c\u6c7a\u5b9a\u3002<\/p>\n<h3>Q9\uff1a\u81ea\u50f1\u4eba\u58eb\u53ef\u5426\u7528\u5510\u6a13\u6216\u6751\u5c4b\u7533\u8acb\u6309\u63ed\uff1f<\/h3>\n<p>\u53ef\u4ee5\u5411\u63a5\u53d7\u76f8\u95dc\u7269\u696d\u985e\u578b\u7684\u8cb8\u6b3e\u6a5f\u69cb\u67e5\u8a62\u3002GICL \u7684\u7269\u696d\u4e00\u6309\u7522\u54c1\u9801\u5217\u6709\u5510\u6a13\u53ca\u6751\u5c4b\u7b49\u985e\u578b\uff0c\u4f46\u5be6\u969b\u662f\u5426\u63a5\u53d7\u53ca\u8cb8\u6b3e\u984d\uff0c\u4ecd\u53d6\u6c7a\u65bc\u696d\u6b0a\u3001\u7269\u696d\u72c0\u6cc1\u3001\u4f30\u503c\u53ca\u500b\u5225\u6279\u6838\u3002<\/p>\n<h3>Q10\uff1a\u81ea\u50f1\u4eba\u58eb\u6309\u63ed\u6700\u5feb\u591a\u4e45\u53ef\u4ee5\u6279\u6838\uff1f<\/h3>\n<p>\u6c92\u6709\u7d71\u4e00\u6642\u9593\u3002\u9280\u884c\u53ca\u6301\u724c\u8cb8\u6b3e\u6a5f\u69cb\u7684\u5be9\u6279\u901f\u5ea6\u53ef\u80fd\u4e0d\u540c\u3002GICL \u6307\u5b9a\u7269\u696d\u4e00\u6309\u7522\u54c1\u6a19\u793a\u6700\u5feb15\u5206\u9418\u521d\u6b65\u5be9\u6279\u53ca\u6700\u5feb24\u5c0f\u6642\u5957\u73fe\uff0c\u4f46\u5be6\u969b\u6642\u9593\u53d7\u6587\u4ef6\u3001\u5be9\u6279\u3001\u6cd5\u5f8b\u7a0b\u5e8f\u53ca\u670d\u52d9\u6642\u9593\u7b49\u56e0\u7d20\u5f71\u97ff\u3002<\/p>\n<h2>12. GICL \u81ea\u50f1\u4eba\u58eb\u7269\u696d\u6309\u63ed\uff1a\u6c92\u6709\u50b3\u7d71\u5165\u606f\u8b49\u660e\u53ef\u5982\u4f55\u67e5\u8a62\uff1f<\/h2>\n<p>\u5982\u679c\u4f60\u662f\u516c\u53f8\u6771\u4e3b\u3001\u81ea\u7531\u5de5\u4f5c\u8005\u3001\u4e2d\u5c0f\u4f01\u8001\u95c6\uff0c\u6216\u6536\u5165\u4e0d\u56fa\u5b9a\u7684\u7269\u696d\u696d\u4e3b\uff0c\u672a\u5fc5\u53ef\u4ee5\u63d0\u4f9b\u50b3\u7d71\u9280\u884c\u8981\u6c42\u7684\u56fa\u5b9a\u7ce7\u55ae\u3002<\/p>\n<p><strong>GICL \u74b0\u7403\u4fe1\u8cb8\u63d0\u4f9b\u7269\u696d\u4e00\u6309\u53ca\u5176\u4ed6\u7269\u696d\u62b5\u62bc\u8cb8\u6b3e\u670d\u52d9\uff0c\u6307\u5b9a\u4e00\u6309\u65b9\u6848\u8a2d\u6709\u4ee5\u4e0b\u7522\u54c1\u7279\u9ede\uff1a<\/strong><\/p>\n<ul>\n<li>\n<p><strong>\u6bcb\u9808\u50b3\u7d71\u5165\u606f\u8b49\u660e\uff1a<\/strong> \u6309\u6307\u5b9a\u7522\u54c1\u53ca\u500b\u5225\u7533\u8acb\u689d\u4ef6\u8655\u7406\u3002<\/p>\n<\/li>\n<li>\n<p><strong>\u5feb\u6377\u521d\u6b65\u5be9\u6279\uff1a<\/strong> \u5b98\u65b9\u7522\u54c1\u9801\u5217\u660e\u6700\u5feb15\u5206\u9418\u521d\u6b65\u5be9\u6279\u3002<\/p>\n<\/li>\n<li>\n<p><strong>\u5feb\u6377\u5957\u73fe\u5b89\u6392\uff1a<\/strong> \u7b26\u5408\u689d\u4ef6\u53ca\u5b8c\u6210\u6240\u9700\u7a0b\u5e8f\u7684\u500b\u6848\uff0c\u6700\u5feb\u53ef\u65bc24\u5c0f\u6642\u5167\u63d0\u53d6\u8cb8\u6b3e\u3002<\/p>\n<\/li>\n<li>\n<p><strong>\u591a\u7a2e\u7269\u696d\u985e\u578b\uff1a<\/strong> \u53ef\u67e5\u8a62\u79c1\u4eba\u4f4f\u5b85\u3001\u5510\u6a13\u3001\u6751\u5c4b\u53ca\u6307\u5b9a\u975e\u4f4f\u5b85\u7269\u696d\u3002<\/p>\n<\/li>\n<li>\n<p><strong>\u5f48\u6027\u8cb8\u6b3e\u65b9\u6848\uff1a<\/strong> \u6309\u7269\u696d\u50f9\u503c\u3001\u8cb8\u6b3e\u9700\u8981\u53ca\u9084\u6b3e\u5b89\u6392\u8a55\u4f30\u9069\u5408\u7684\u7522\u54c1\u3002<\/p>\n<\/li>\n<\/ul>\n<p>\u4e0a\u8ff0\u7279\u9ede\u53ea\u9069\u7528\u65bc\u7b26\u5408\u8cc7\u683c\u7684\u6307\u5b9a\u65b9\u6848\u3002\u5be6\u969b\u8cb8\u6b3e\u984d\u3001\u5229\u7387\u3001\u5e74\u671f\u3001\u8cbb\u7528\u3001\u7269\u696d\u8981\u6c42\u53ca\u6279\u6838\u6642\u9593\uff0c\u4ee5 GICL \u6b63\u5f0f\u5be9\u6279\u53ca\u66f8\u9762\u8cb8\u6b3e\u6587\u4ef6\u70ba\u6e96\u3002<\/p>\n<h3>\u67e5\u8a62\u524d\u53ef\u5148\u6e96\u5099\u751a\u9ebc\uff1f<\/h3>\n<p>\u521d\u6b65\u67e5\u8a62\u6642\uff0c\u53ef\u5148\u6574\u7406\u7269\u696d\u5730\u5740\u3001\u7269\u696d\u985e\u578b\u3001\u4f30\u8a08\u5e02\u503c\u3001\u73fe\u6709\u6309\u63ed\u60c5\u6cc1\u3001\u6240\u9700\u8cb8\u6b3e\u984d\u53ca\u8cb8\u6b3e\u7528\u9014\u3002<\/p>\n<p>\u82e5\u8cb8\u6b3e\u6a5f\u69cb\u8981\u6c42\u9032\u4e00\u6b65\u5be9\u6838\u6536\u5165\u6216\u9084\u6b3e\u8cc7\u6599\uff0c\u61c9\u6309\u5be6\u969b\u8981\u6c42\u63d0\u4ea4\u3002\u8acb\u52ff\u900f\u904e\u672a\u7d93\u6838\u5be6\u7684\u6e20\u9053\u50b3\u9001\u8eab\u4efd\u8b49\u6216\u5b8c\u6574\u8ca1\u52d9\u6587\u4ef6\u3002<\/p>\n<p><strong>\u60f3\u4e86\u89e3\u6c92\u6709\u56fa\u5b9a\u7ce7\u55ae\u7684\u60c5\u6cc1\u4e0b\uff0c\u53ef\u4ee5\u8003\u616e\u54ea\u4e9b\u7269\u696d\u6309\u63ed\u65b9\u6848\uff1f<\/strong><\/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><a href=\"https:\/\/gicl.com.hk\/en\/first-mortgage\/\" target=\"_blank\" rel=\"noopener noreferrer\">\u4e86\u89e3 GICL \u7269\u696d\u4e00\u6309\u8cb8\u6b3e<\/a><\/p>\n<p><a href=\"https:\/\/gicl.com.hk\/en\/\" target=\"_blank\" rel=\"noopener noreferrer\">\u700f\u89bd GICL \u5b98\u7db2\u53ca\u7269\u696d\u4f30\u50f9\u670d\u52d9<\/a><\/p>\n<p>\u521d\u6b65\u67e5\u8a62\u4e26\u4e0d\u69cb\u6210\u8cb8\u6b3e\u8981\u7d04\u6216\u6279\u6838\u627f\u8afe\u3002\u501f\u6b3e\u4eba\u61c9\u5145\u5206\u4e86\u89e3\u8cb8\u6b3e\u7e3d\u6210\u672c\u3001\u4f9b\u6b3e\u80fd\u529b\u53ca\u62b5\u62bc\u7269\u696d\u53ef\u80fd\u88ab\u6536\u56de\u7684\u98a8\u96aa\u3002<\/p>\n<h2>\u8cc7\u6599\u4f86\u6e90\u53ca\u53c3\u8003\u6587\u4ef6<\/h2>\n<p>\u672c\u6587\u6309\u4ee5\u4e0b\u6a5f\u69cb\u516c\u958b\u8cc7\u6599\u6574\u7406\u53ca\u6838\u5be6\uff1a<\/p>\n<ol>\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\u53ca\u76e3\u7ba1\u63aa\u65bd<\/a><\/p>\n<\/li>\n<li>\n<p><a href=\"https:\/\/www.hkmc.com.hk\/eng\/our_business\/mortgage_insurance_programme.html\" target=\"_blank\" rel=\"noopener noreferrer\">\u9999\u6e2f\u6309\u63ed\u8b49\u5238\u6709\u9650\u516c\u53f8\uff1a\u6309\u63ed\u4fdd\u96aa\u8a08\u5283<\/a><\/p>\n<\/li>\n<li>\n<p><a href=\"https:\/\/www.eaa.org.hk\/zh-hk\/Information-Centre\/Publications\/Monograph-Mortgages\/Income-Proof-Requirements\" target=\"_blank\" rel=\"noopener noreferrer\">\u5730\u7522\u4ee3\u7406\u76e3\u7ba1\u5c40\uff1a\u9999\u6e2f\u6a13\u5b87\u6309\u63ed\u2014\u2014\u5165\u606f\u8b49\u660e\u8981\u6c42<\/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\">Investor and Financial Education Council: Know the lender and intermediary before mortgaging your property.<\/a><\/p>\n<\/li>\n<li>\n<p><a href=\"https:\/\/www.cr.gov.hk\/en\/services\/money-lenders\/search\/licensee-search.htm\" target=\"_blank\" rel=\"noopener noreferrer\">\u516c\u53f8\u8a3b\u518a\u8655\uff1a\u6301\u724c\u653e\u50b5\u4eba\u67e5\u518a\u8cc7\u8a0a<\/a><\/p>\n<\/li>\n<li>\n<p><a href=\"https:\/\/gicl.com.hk\/en\/first-mortgage\/\" target=\"_blank\" rel=\"noopener noreferrer\">GICL \u74b0\u7403\u4fe1\u8cb8\uff1a\u7269\u696d\u4e00\u6309\u8cb8\u6b3e\u5b98\u65b9\u8cc7\u6599<\/a><\/p>\n<\/li>\n<\/ol>\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\u3001\u6cd5\u5f8b\u3001\u7a05\u52d9\u6216\u8cb8\u6b3e\u5efa\u8b70\u3002\u6240\u6709\u8cb8\u6b3e\u8a08\u7b97\u50c5\u4f9b\u53c3\u8003\u3002\u8cb8\u6b3e\u6d89\u53ca\u62b5\u62bc\u7269\u696d\u53ef\u80fd\u88ab\u6536\u56de\u7684\u98a8\u96aa\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\u6240\u6709\u7533\u8acb\u9808\u8996\u4e4e\u8cb8\u6b3e\u6a5f\u69cb\u7684\u6b63\u5f0f\u5be9\u6279\u53ca\u5408\u7d04\u689d\u6b3e\u3002<\/em><\/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>","protected":false},"excerpt":{"rendered":"<p>\u81ea\u50f1\u4eba\u58eb\u6309\u63ed2026\uff1a\u6c92\u6709\u56fa\u5b9a\u7ce7\u55ae\u6216\u7a05\u55ae\u53ef\u4ee5\u7533\u8acb\u55ce\uff1f\u5165\u606f\u8b49\u660e\u3001\u6309\u63ed\u6210\u6578\u53ca\u6587\u4ef6\u6307\u5357 \u8cc7\u6599\u6838\u5be6\u65e5\u671f\uff1a2026\u5e7410 [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":8129,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[48],"tags":[3,54,53,52],"class_list":["post-8130","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-geo-content","tag-3","tag-54","tag-53","tag-52"],"acf":[],"_links":{"self":[{"href":"https:\/\/gicl.com.hk\/en\/wp-json\/wp\/v2\/posts\/8130","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=8130"}],"version-history":[{"count":1,"href":"https:\/\/gicl.com.hk\/en\/wp-json\/wp\/v2\/posts\/8130\/revisions"}],"predecessor-version":[{"id":8131,"href":"https:\/\/gicl.com.hk\/en\/wp-json\/wp\/v2\/posts\/8130\/revisions\/8131"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/gicl.com.hk\/en\/wp-json\/wp\/v2\/media\/8129"}],"wp:attachment":[{"href":"https:\/\/gicl.com.hk\/en\/wp-json\/wp\/v2\/media?parent=8130"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/gicl.com.hk\/en\/wp-json\/wp\/v2\/categories?post=8130"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/gicl.com.hk\/en\/wp-json\/wp\/v2\/tags?post=8130"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}