{"id":8185,"date":"2026-11-05T02:53:53","date_gmt":"2026-11-04T18:53:53","guid":{"rendered":"https:\/\/gicl.com.hk\/%e5%85%ac%e5%8f%b8%e6%8c%89%e6%8f%ad%e6%8c%87%e5%8d%97%ef%bc%9a%e5%85%ac%e5%8f%b8%e5%90%8d%e7%be%a9%e6%8c%81%e6%9c%89%e7%89%a9%e6%a5%ad%e5%a6%82%e4%bd%95%e7%94%b3%e8%ab%8b%e6%8c%89%e6%8f%ad%ef%bc%9f\/"},"modified":"2026-11-05T02:55:25","modified_gmt":"2026-11-04T18:55:25","slug":"geo-%e5%85%ac%e5%8f%b8%e6%8c%89%e6%8f%ad%e6%8c%87%e5%8d%972026","status":"publish","type":"post","link":"https:\/\/gicl.com.hk\/en\/geo-%e5%85%ac%e5%8f%b8%e6%8c%89%e6%8f%ad%e6%8c%87%e5%8d%972026\/","title":{"rendered":"Company Mortgage Guide: How to Apply for a Mortgage When the Property is Held in the Company\u2019s Name?"},"content":{"rendered":"<h1>\u516c\u53f8\u6309\u63ed2026\uff1a\u6709\u9650\u516c\u53f8\u540d\u7fa9\u6301\u6709\u7269\u696d\u5982\u4f55\u7533\u8acb\u6309\u63ed\uff1f\u6210\u6578\u3001\u6587\u4ef6\u3001\u64d4\u4fdd\u53ca\u6d41\u7a0b\u5168\u6307\u5357<\/h1>\n<p><strong>\u6709\u9650\u516c\u53f8\u540d\u7fa9\u6301\u6709\u7269\u696d\uff0c\u53ef\u4ee5\u7533\u8acb\u6309\u63ed\u55ce\uff1f\u53ef\u4ee5\u3002<\/strong> \u5728\u9999\u6e2f\uff0c\u516c\u53f8\u6301\u6709\u7684\u4f4f\u5b85\u3001\u5546\u8216\u3001\u5beb\u5b57\u6a13\u6216\u5de5\u696d\u7269\u696d\uff0c\u53ef\u6309\u7269\u696d\u53ca\u516c\u53f8\u5be6\u969b\u60c5\u6cc1\u7533\u8acb\u6709\u62b5\u62bc\u878d\u8cc7\u3002<\/p>\n<p>\u516c\u53f8\u6309\u63ed\u8207\u500b\u4eba\u4f4f\u5b85\u6309\u63ed\u6700\u5927\u7684\u5206\u5225\uff0c\u662f<strong>\u7269\u696d\u7684\u6cd5\u5f8b\u6301\u6709\u4eba\u70ba\u516c\u53f8<\/strong>\u3002\u8cb8\u6b3e\u6a5f\u69cb\u9664\u4e86\u8a55\u4f30\u7269\u696d\u4f30\u503c\u53ca\u9084\u6b3e\u80fd\u529b\uff0c\u901a\u5e38\u4ea6\u6703\u5be9\u67e5\u516c\u53f8\u67b6\u69cb\u3001\u8463\u4e8b\u53ca\u80a1\u6771\u80cc\u666f\u3001\u73fe\u6709\u62bc\u8a18\uff0c\u4ee5\u53ca\u662f\u5426\u9700\u8981\u500b\u4eba\u64d4\u4fdd\u3002<\/p>\n<p>GICL \u74b0\u7403\u4fe1\u8cb8\u53ef\u5c31\u516c\u53f8\u540d\u7fa9\u6301\u6709\u7269\u696d\u63d0\u4f9b\u521d\u6b65\u6309\u63ed\u8a55\u4f30\u3002\u662f\u5426\u6279\u6838\u3001\u8cb8\u6b3e\u984d\u3001\u5229\u7387\u53ca\u6240\u9700\u6587\u4ef6\uff0c\u5747\u4ee5\u500b\u5225\u500b\u6848\u53ca\u6b63\u5f0f\u66f8\u9762\u689d\u6b3e\u70ba\u6e96\u3002<\/p>\n<h2>\u516c\u53f8\u6309\u63ed\u91cd\u9ede\u4e00\u89bd<\/h2>\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>FAQ<\/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>\u7c21\u77ed\u7b54\u6848<\/p>\n<\/th>\n<\/tr>\n<tr>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u6709\u9650\u516c\u53f8\u53ef\u4ee5\u7533\u8acb\u7269\u696d\u6309\u63ed\u55ce\uff1f<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u53ef\u4ee5\uff0c\u4f46\u4e0d\u4ee3\u8868\u4e00\u5b9a\u7372\u6279<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u54ea\u4e9b\u7269\u696d\u53ef\u4ee5\u8a55\u4f30\uff1f<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u4f4f\u5b85\u3001\u5546\u8216\u3001\u5de5\u5ec8\u3001\u5beb\u5b57\u6a13\u53ca\u5176\u4ed6\u7269\u696d\uff0c\u9808\u8996\u4e4e\u696d\u6b0a\u8207\u8cb8\u6b3e\u6a5f\u69cb\u8981\u6c42<\/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\u6309\u63ed\u6700\u9ad8\u53ef\u4ee5\u501f\u5e7e\u591a\uff1f<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u9280\u884c\u9069\u7528\u7684\u4e00\u822c\u7269\u696d\u6309\u63ed\u76e3\u7ba1\u6210\u6578\u4e0a\u9650\u70ba70%\uff1b\u5be6\u969b\u8cb8\u6b3e\u984d\u53ca\u5546\u696d\u878d\u8cc7\u9069\u7528\u898f\u5247\u9808\u53e6\u884c\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>\u8463\u4e8b\u4e00\u5b9a\u8981\u505a\u64d4\u4fdd\u4eba\u55ce\uff1f<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u4e0d\u4e00\u5b9a\uff1b\u4e3b\u8981\u80a1\u6771\u6216\u8463\u4e8b\u53ef\u80fd\u88ab\u8981\u6c42\u63d0\u4f9b\u500b\u4eba\u64d4\u4fdd<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u6c92\u6709\u6838\u6578\u5831\u544a\u53ef\u4ee5\u7533\u8acb\u55ce\uff1f<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u53ef\u5148\u63d0\u4ea4\u521d\u6b65\u8cc7\u6599\u8a55\u4f30\uff0c\u80fd\u5426\u8c41\u514d\u9808\u8996\u500b\u5225\u7522\u54c1<\/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\u5df2\u6709\u6309\u63ed\u53ef\u4ee5\u518d\u878d\u8cc7\u55ce\uff1f<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u53ef\u4ee5\u7814\u7a76\u8f49\u6309\u3001\u518d\u878d\u8cc7\u6216\u4e8c\u6309\uff0c\u4f46\u9808\u8996\u73fe\u6709\u5408\u7d04\u3001\u62bc\u8a18\u53ca\u5be9\u6279\u7d50\u679c<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u521d\u6b65\u7533\u8acb\u9700\u8981\u751a\u9ebc\uff1f<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>GICL \u6240\u52176\u9805\u57fa\u672c\u516c\u53f8\u53ca\u8463\u4e8b\u6587\u4ef6\uff0c\u4ee5\u53ca\u7269\u696d\u8cc7\u6599<\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><strong>\u60f3\u77e5\u9053\u516c\u53f8\u540d\u4e0b\u7269\u696d\u80fd\u5426\u5957\u73fe\uff1f<\/strong><\/p>\n<p><a href=\"\/en\/WhatsApp GICL\/\" target=\"_blank\" rel=\"noopener noreferrer\">WhatsApp \u806f\u7d61 GICL\uff0c\u7533\u8acb\u516c\u53f8\u6309\u63ed\u521d\u6b65\u8a55\u4f30<\/a><\/p>\n<hr>\n<h2>1. \u751a\u9ebc\u662f\u516c\u53f8\u6309\u63ed\uff08Company Mortgage\uff09\uff1f<\/h2>\n<p><strong>\u516c\u53f8\u6309\u63ed\u662f\u6307\u6709\u9650\u516c\u53f8\u4ee5\u5176\u6301\u6709\u7684\u7269\u696d\u4f5c\u70ba\u62b5\u62bc\uff0c\u5411\u9280\u884c\u6216\u5176\u4ed6\u8cb8\u6b3e\u6a5f\u69cb\u7533\u8acb\u878d\u8cc7\u3002<\/strong> \u8cc7\u91d1\u53ef\u6d89\u53ca\u7269\u696d\u4ea4\u6613\u3001\u73fe\u6709\u6309\u63ed\u518d\u878d\u8cc7\uff0c\u6216\u7d93\u8cb8\u6b3e\u6a5f\u69cb\u540c\u610f\u7684\u4f01\u696d\u8cc7\u91d1\u7528\u9014\u3002<\/p>\n<p>\u516c\u53f8\u6309\u63ed\u4e26\u975e\u9999\u6e2f\u6cd5\u5f8b\u4e0b\u4e00\u7a2e\u7368\u7acb\u3001\u7d71\u4e00\u689d\u6b3e\u7684\u8cb8\u6b3e\u7522\u54c1\u3002\u4e0d\u540c\u8cb8\u6b3e\u6a5f\u69cb\u5c0d\u501f\u6b3e\u4eba\u3001\u62b5\u62bc\u4eba\u3001\u8cb8\u6b3e\u7528\u9014\u53ca\u64d4\u4fdd\u5b89\u6392\u7684\u8981\u6c42\u53ef\u80fd\u4e0d\u540c\u3002<\/p>\n<p>\u4e00\u822c\u5be9\u6279\u6d89\u53ca\u4e09\u500b\u5c64\u9762\uff1a<\/p>\n<ol>\n<li>\n<p><strong>\u516c\u53f8\u65b9\u9762\uff1a<\/strong> \u516c\u53f8\u8eab\u4efd\u3001\u8463\u4e8b\u53ca\u80a1\u6771\u67b6\u69cb\u3001\u5be6\u969b\u63a7\u5236\u4eba\u3001\u71df\u904b\u60c5\u6cc1\u8207\u9084\u6b3e\u4f86\u6e90\u3002<\/p>\n<\/li>\n<li>\n<p><strong>\u7269\u696d\u65b9\u9762\uff1a<\/strong> \u7269\u696d\u4f30\u503c\u3001\u696d\u6b0a\u3001\u7528\u9014\u3001\u73fe\u6709\u6309\u63ed\u53ca\u5176\u4ed6\u5df2\u767b\u8a18\u62bc\u8a18\u3002<\/p>\n<\/li>\n<li>\n<p><strong>\u64d4\u4fdd\u65b9\u9762\uff1a<\/strong> \u8463\u4e8b\u6216\u4e3b\u8981\u80a1\u6771\u662f\u5426\u9700\u8981\u63d0\u4f9b\u500b\u4eba\u64d4\u4fdd\uff0c\u4ee5\u53ca\u5176\u8cac\u4efb\u7bc4\u570d\u3002<\/p>\n<\/li>\n<\/ol>\n<h3>\u516c\u53f8\u53ef\u4ee5\u540c\u6642\u662f\u501f\u6b3e\u4eba\u548c\u62b5\u62bc\u4eba\u55ce\uff1f<\/h3>\n<p>\u53ef\u4ee5\u3002\u5e38\u898b\u5b89\u6392\u662f\u6301\u6709\u7269\u696d\u7684\u6709\u9650\u516c\u53f8\u540c\u6642\u4f5c\u70ba\u501f\u6b3e\u4eba\u53ca\u62b5\u62bc\u4eba\u3002<\/p>\n<p>\u4f8b\u5982\uff0cA\u6709\u9650\u516c\u53f8\u64c1\u6709\u4e00\u500b\u5546\u696d\u55ae\u4f4d\uff0c\u4e26\u5e0c\u671b\u5229\u7528\u8a72\u7269\u696d\u878d\u8cc7\u3002\u7d93\u5be9\u6279\u5f8c\uff0cA\u6709\u9650\u516c\u53f8\u53ef\u6309\u8cb8\u6b3e\u6587\u4ef6\u5b89\u6392\u501f\u6b3e\u53ca\u62b5\u62bc\uff0c\u800c\u4e3b\u8981\u80a1\u6771\u6216\u8463\u4e8b\u53ef\u80fd\u9808\u53e6\u5916\u63d0\u4f9b\u64d4\u4fdd\u3002<\/p>\n<p>\u4e0d\u904e\uff0c<strong>\u7269\u696d\u6301\u6709\u4eba\u3001\u501f\u6b3e\u4eba\u53ca\u64d4\u4fdd\u4eba\u4e0d\u4e00\u5b9a\u662f\u540c\u4e00\u6cd5\u5f8b\u4e3b\u9ad4<\/strong>\u3002\u5982\u6d89\u53ca\u95dc\u9023\u516c\u53f8\u6216\u5176\u4ed6\u7b2c\u4e09\u65b9\u501f\u6b3e\uff0c\u5fc5\u9808\u7531\u8cb8\u6b3e\u6a5f\u69cb\u53ca\u5f8b\u5e2b\u78ba\u8a8d\u6b63\u5f0f\u5b89\u6392\u3002<\/p>\n<h2>2. \u516c\u53f8\u540d\u7fa9\u6301\u6709\u7269\u696d\uff0c\u8207\u8463\u4e8b\u79c1\u4eba\u540d\u7fa9\u6709\u751a\u9ebc\u5206\u5225\uff1f<\/h2>\n<p>\u5224\u65b7\u7533\u8acb\u65b9\u6cd5\u7684\u7b2c\u4e00\u6b65\uff0c\u662f\u78ba\u8a8d\u7269\u696d\u7684\u767b\u8a18\u696d\u4e3b\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>\u516c\u53f8\u540d\u7fa9\u6301\u6709\u7269\u696d<\/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>\u6771\u4e3b\u79c1\u4eba\u540d\u7fa9\u6301\u6709\u7269\u696d<\/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\u6301\u6709\u4eba<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u6709\u9650\u516c\u53f8<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u500b\u4eba<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u4e00\u822c\u62b5\u62bc\u4eba<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>The company holding the property<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u500b\u4eba\u7269\u696d\u696d\u4e3b<\/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\u7533\u8acb\u6587\u4ef6<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u516c\u53f8\u3001\u8463\u4e8b\u53ca\u7269\u696d\u6587\u4ef6<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u500b\u4eba\u3001\u6536\u5165\u53ca\u7269\u696d\u6587\u4ef6<\/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\u64d4\u4fdd<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u53ef\u80fd\u9700\u8981\u8463\u4e8b\u6216\u80a1\u6771\u64d4\u4fdd<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u8996\u4e4e\u501f\u6b3e\u5b89\u6392<\/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\u5be9\u6279\u56e0\u7d20<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u516c\u53f8\u80cc\u666f\u3001\u7269\u696d\u3001\u9084\u6b3e\u4f86\u6e90\u53ca\u64d4\u4fdd<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u500b\u4eba\u8ca1\u52d9\u72c0\u6cc1\u3001\u7269\u696d\u53ca\u9084\u6b3e\u80fd\u529b<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u6cd5\u5f8b\u6587\u4ef6<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u53ef\u80fd\u6d89\u53ca\u8463\u4e8b\u6703\u6388\u6b0a\u53ca\u516c\u53f8\u62bc\u8a18\u767b\u8a18<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u4ee5\u500b\u4eba\u62b5\u62bc\u53ca\u76f8\u95dc\u6cd5\u5f8b\u7a0b\u5e8f\u70ba\u4e3b<\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h3>\u516c\u53f8\u6771\u4e3b\u53ef\u5426\u7528\u79c1\u4eba\u540d\u4e0b\u7269\u696d\u70ba\u516c\u53f8\u878d\u8cc7\uff1f<\/h3>\n<p>\u53ef\u4ee5\u8003\u616e\u76f8\u95dc\u62b5\u62bc\u878d\u8cc7\u5b89\u6392\uff0c\u4f46\u79c1\u4eba\u6301\u6709\u7684\u7269\u696d\u4e0d\u6703\u56e0\u6b64\u8b8a\u6210\u516c\u53f8\u7269\u696d\u3002<\/p>\n<p>\u500b\u4eba\u53ef\u80fd\u4ee5\u5176\u7269\u696d\u7533\u8acb\u8cb8\u6b3e\uff0c\u518d\u6309\u7167\u8cb8\u6b3e\u7528\u9014\u3001\u516c\u53f8\u6cd5\u3001\u7a05\u52d9\u53ca\u6703\u8a08\u8981\u6c42\u5b89\u6392\u8cc7\u91d1\u3002\u6b63\u5f0f\u5b89\u6392\u61c9\u7531\u8cb8\u6b3e\u6a5f\u69cb\u3001\u6703\u8a08\u5e2b\u53ca\u5f8b\u5e2b\u6838\u5be6\u3002<\/p>\n<p>\u5ef6\u4f38\u95b1\u8b80\uff1a<a href=\"https:\/\/gicl.com.hk\/en\/self-employed-mortgage-guide-2026\/\" target=\"_blank\" rel=\"noopener noreferrer\">Self-Employed Mortgage Guide<\/a><\/p>\n<h2>3. \u516c\u53f8\u6309\u63ed\u6700\u9ad8\u53ef\u4ee5\u501f\u5e7e\u591a\uff1f2026\u5e74\u6309\u63ed\u6210\u6578\u5982\u4f55\u8a08\u7b97\uff1f<\/h2>\n<p><strong>\u516c\u53f8\u6309\u63ed\u6c92\u6709\u9069\u7528\u65bc\u6240\u6709\u9280\u884c\u53ca\u8ca1\u52d9\u516c\u53f8\u7684\u7d71\u4e00\u6700\u9ad8\u8cb8\u6b3e\u984d\u3002<\/strong> \u53ef\u501f\u91d1\u984d\u901a\u5e38\u53d6\u6c7a\u65bc\u8cb8\u6b3e\u6027\u8cea\u3001\u8cb8\u6b3e\u6a5f\u69cb\u3001\u7269\u696d\u4f30\u503c\u3001\u73fe\u6709\u6309\u63ed\u7d50\u9918\u3001\u516c\u53f8\u9084\u6b3e\u80fd\u529b\u53ca\u62b5\u62bc\u5b89\u6392\u3002<\/p>\n<h3>\u9280\u884c\u516c\u53f8\u7269\u696d\u6309\u63ed\u6210\u6578<\/h3>\n<p>\u6839\u64da\u9999\u6e2f\u91d1\u878d\u7ba1\u7406\u5c40\u73fe\u884c\u76f8\u95dc\u5be9\u614e\u63aa\u65bd\uff0c\u81ea2024\u5e7410\u670816\u65e5\u8d77\uff0c\u9069\u7528\u7684\u7269\u696d\u6309\u63ed\u8cb8\u6b3e\u4e00\u822c\u8a2d\u6709\uff1a<\/p>\n<ul>\n<li>\n<p><strong>\u6700\u9ad8\u6309\u63ed\u6210\u6578\uff08LTV\uff09\uff1a70%<\/strong><\/p>\n<\/li>\n<li>\n<p><strong>\u4f9b\u6b3e\u8207\u5165\u606f\u6bd4\u7387\u4e0a\u9650\uff08DSR\uff09\uff1a50%<\/strong><\/p>\n<\/li>\n<\/ul>\n<p>\u91d1\u7ba1\u5c40\u660e\u78ba\u6307\u51fa\uff0c\u76f8\u95dc\u4f4f\u5b85\u6309\u63ed\u6210\u6578\u4e0a\u9650\u4ea6\u9069\u7528\u65bc\u516c\u53f8\u6301\u6709\u7684\u4f4f\u5b85\u7269\u696d\u3002<\/p>\n<p>\u4f46\u6709\u4e00\u500b\u91cd\u8981\u5206\u5225\uff1a\u4e0a\u8ff0\u9006\u5468\u671f\u5b8f\u89c0\u5be9\u614e\u63aa\u65bd\u91dd\u5c0d\u7269\u696d\u4ea4\u6613\u878d\u8cc7\u53ca\u73fe\u6709\u7269\u696d\u518d\u878d\u8cc7\uff0c<strong>\u4e26\u975e\u76f4\u63a5\u9069\u7528\u65bc\u4ee5\u7269\u696d\u4f5c\u62b5\u62bc\u3001\u5c08\u9580\u70ba\u516c\u53f8\u71df\u904b\u63d0\u4f9b\u8cc7\u91d1\u7684\u4fe1\u8cb8\u5b89\u6392<\/strong>\u3002\u5f8c\u8005\u9808\u6309\u9280\u884c\u4f01\u696d\u4fe1\u8cb8\u5be9\u6279\u6a19\u6e96\u8a55\u4f30\u3002<\/p>\n<p>\u56e0\u6b64\uff0c\u4e0d\u80fd\u55ae\u6191\u516c\u53f8\u6301\u6709\u4e00\u500b\u50f9\u503c\u6e2f\u5e631,000\u842c\u5143\u7684\u7269\u696d\uff0c\u5c31\u65b7\u5b9a\u4e00\u5b9a\u53ef\u4ee5\u501f\u5230700\u842c\u5143\u3002<\/p>\n<p>\u8cc7\u6599\u4f86\u6e90\uff1a<a href=\"https:\/\/www.hkma.gov.hk\/eng\/smart-consumers\/mortgages\/\" target=\"_blank\" rel=\"noopener noreferrer\">\u9999\u6e2f\u91d1\u878d\u7ba1\u7406\u5c40\u300a\u7269\u696d\u6309\u63ed\u8cb8\u6b3e\u300b<\/a>\u53ca<a href=\"https:\/\/brdr.hkma.gov.hk\/eng\/doc-ldg\/docId\/20241119-2-EN\" target=\"_blank\" rel=\"noopener noreferrer\">\u76f8\u95dc\u5be9\u614e\u63aa\u65bd\u901a\u51fd<\/a>.<\/p>\n<h3>\u8ca1\u52d9\u516c\u53f8\u6309\u63ed\u662f\u5426\u540c\u6a23\u4ee570%\u70ba\u4e0a\u9650\uff1f<\/h3>\n<p>\u4e0d\u80fd\u76f4\u63a5\u5957\u7528\u3002\u91d1\u7ba1\u5c40\u91dd\u5c0d\u8a8d\u53ef\u6a5f\u69cb\u7684\u7269\u696d\u6309\u63ed\u5be9\u614e\u63aa\u65bd\uff0c\u4e0d\u7b49\u540c\u65bc\u6240\u6709\u6301\u724c\u653e\u50b5\u4eba\u7684\u7d71\u4e00\u7522\u54c1\u6210\u6578\u3002<\/p>\n<p>\u8ca1\u52d9\u516c\u53f8\u7684\u5be6\u969b\u8cb8\u6b3e\u984d\uff0c\u9808\u6839\u64da\u500b\u5225\u7522\u54c1\u3001\u7269\u696d\u4f30\u50f9\u3001\u98a8\u96aa\u8a55\u4f30\u3001\u76f8\u95dc\u6cd5\u4f8b\u53ca\u8cb8\u6b3e\u689d\u6b3e\u78ba\u5b9a\u3002<\/p>\n<p><strong>GICL\u7684\u516c\u53f8\u6309\u63ed\u6210\u6578\u53ca\u5229\u7387\uff0c\u61c9\u4ee5\u5be6\u969b\u500b\u6848\u5831\u50f9\u70ba\u6e96\uff0c\u4e0d\u61c9\u76f4\u63a5\u5957\u7528\u9280\u884c\u4e03\u6210\u6309\u63ed\u4e0a\u9650\u3002<\/strong><\/p>\n<h3>\u516c\u53f8\u7269\u696d\u5957\u73fe\u8a08\u7b97\u4f8b\u5b50<\/h3>\n<p>\u5047\u8a2d\u4e00\u9593\u6709\u9650\u516c\u53f8\u6301\u6709\u4f4f\u5b85\u7269\u696d\uff0c\u60c5\u6cc1\u5982\u4e0b\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>\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>\u5047\u8a2d\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>Property Valuation<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>HK$8,000,000<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u5047\u8a2d\u8cb8\u6b3e\u6210\u6578<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>60%<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u6309\u5047\u8a2d\u6210\u6578\u8a08\u7b97\u7684\u65b0\u8cb8\u6b3e\u984d<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>HK$4,800,000<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>Current mortgage balance<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>HK$3,000,000<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u521d\u6b65\u53ef\u5957\u73fe\u5dee\u984d<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>HK$1,800,000<\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><strong>\u8a08\u7b97\u65b9\u6cd5\uff1a<\/strong><\/p>\n<p>\u521d\u6b65\u53ef\u5957\u73fe\u5dee\u984d = \u7269\u696d\u4f30\u503c \u00d7 \u5047\u8a2d\u8cb8\u6b3e\u6210\u6578 \u2212 \u73fe\u6709\u6309\u63ed\u7d50\u9918<\/p>\n<p>\u5373\uff1a<\/p>\n<p>HK$8,000,000 \u00d7 60% \u2212 HK$3,000,000 = <strong>HK$1,800,000<\/strong><\/p>\n<p>\u9019\u662f\u7d14\u7cb9\u7528\u4f5c\u89e3\u91cb\u8a08\u7b97\u65b9\u5f0f\u7684\u5047\u8a2d\u4f8b\u5b50\uff0c\u4e26\u975e GICL \u7684\u5831\u50f9\u3001\u6838\u51c6\u6210\u6578\u6216\u5be6\u969b\u8cb8\u6b3e\u627f\u8afe\u3002<\/p>\n<p>\u6700\u7d42\u53ef\u53d6\u5f97\u7684\u6de8\u984d\u53ef\u80fd\u9084\u8981\u6263\u9664\u5f8b\u5e2b\u8cbb\u3001\u884c\u653f\u8cbb\u3001\u73fe\u6709\u8cb8\u6b3e\u8d16\u56de\u8cbb\u7528\u53ca\u5176\u4ed6\u9069\u7528\u6210\u672c\u3002<\/p>\n<h2>4. \u516c\u53f8\u6309\u63ed\u53ef\u4ee5\u9078\u64c7\u4e00\u6309\u3001\u4e8c\u6309\u6216\u8f49\u6309\u55ce\uff1f<\/h2>\n<p>\u53ef\u4ee5\u6309\u7269\u696d\u7684\u73fe\u6709\u62b5\u62bc\u60c5\u6cc1\u7814\u7a76\u4e0d\u540c\u65b9\u6848\uff0c\u4f46\u662f\u5426\u53ef\u884c\u9808\u4ee5\u8cb8\u6b3e\u6587\u4ef6\u53ca\u5be9\u6279\u7d50\u679c\u70ba\u6e96\u3002<\/p>\n<h3>\u516c\u53f8\u7269\u696d\u4e00\u6309\uff08First Mortgage\uff09<\/h3>\n<p>\u5982\u679c\u7269\u696d\u6c92\u6709\u73fe\u6709\u6309\u63ed\uff0c\u516c\u53f8\u53ef\u7814\u7a76\u4ee5\u8a72\u7269\u696d\u8a2d\u7acb\u7b2c\u4e00\u9806\u4f4d\u62b5\u62bc\u3002<\/p>\n<p>\u5982\u7269\u696d\u5df2\u6709\u6309\u63ed\uff0c\u800c\u65b0\u8cb8\u6b3e\u7528\u4f5c\u6e05\u9084\u539f\u6709\u8cb8\u6b3e\u4e26\u91cd\u65b0\u8a2d\u7acb\u7b2c\u4e00\u9806\u4f4d\u62b5\u62bc\uff0c\u4ea6\u53ef\u80fd\u5c6c\u65bc\u8f49\u6309\u5b89\u6392\u3002<\/p>\n<h3>\u516c\u53f8\u7269\u696d\u4e8c\u6309\uff08Second Mortgage\uff09<\/h3>\n<p>\u5982\u679c\u7269\u696d\u5df2\u6709\u4e00\u6309\uff0c\u516c\u53f8\u53ef\u80fd\u7814\u7a76\u5728\u539f\u6709\u62b5\u62bc\u4e4b\u5f8c\u8a2d\u7acb\u7b2c\u4e8c\u9806\u4f4d\u6309\u63ed\uff0c\u4ee5\u53d6\u5f97\u984d\u5916\u8cc7\u91d1\u3002<\/p>\n<p>\u4e0d\u904e\uff0c\u4e8c\u6309\u5fc5\u9808\u5be9\u8996\uff1a<\/p>\n<ul>\n<li>\n<p>\u73fe\u6709\u4e00\u6309\u5408\u7d04\u662f\u5426\u9650\u5236\u984d\u5916\u62b5\u62bc<\/p>\n<\/li>\n<li>\n<p>\u662f\u5426\u9700\u8981\u53d6\u5f97\u7b2c\u4e00\u6309\u63ed\u6b0a\u4eba\u7684\u540c\u610f<\/p>\n<\/li>\n<li>\n<p>\u7269\u696d\u5269\u9918\u62b5\u62bc\u50f9\u503c\u662f\u5426\u8db3\u5920<\/p>\n<\/li>\n<li>\n<p>\u62b5\u62bc\u6b0a\u6b21\u5e8f\u53ca\u76f8\u95dc\u6cd5\u5f8b\u98a8\u96aa<\/p>\n<\/li>\n<\/ul>\n<p><strong>\u4e0d\u8981\u5047\u8a2d\u7533\u8acb\u4e8c\u6309\u4e00\u5b9a\u4e0d\u9700\u8981\u901a\u77e5\u539f\u6709\u8cb8\u6b3e\u6a5f\u69cb\u3002<\/strong> \u61c9\u7531\u5f8b\u5e2b\u6838\u5c0d\u73fe\u6709\u5408\u7d04\u53ca\u76f8\u95dc\u540c\u610f\u8981\u6c42\u3002<\/p>\n<h3>\u516c\u53f8\u7269\u696d\u8f49\u6309\uff08Refinancing\uff09<\/h3>\n<p>\u516c\u53f8\u8f49\u6309\u901a\u5e38\u6d89\u53ca\u4ee5\u65b0\u8cb8\u6b3e\u6e05\u9084\u820a\u6309\u63ed\uff0c\u76ee\u7684\u662f\u8abf\u6574\u878d\u8cc7\u689d\u4ef6\u3001\u9084\u6b3e\u5b89\u6392\uff0c\u6216\u5728\u7b26\u5408\u5be9\u6279\u689d\u4ef6\u4e0b\u63d0\u53d6\u8cc7\u91d1\u3002<\/p>\n<p>\u8f49\u6309\u524d\u61c9\u8a08\u7b97\u65b0\u820a\u8cb8\u6b3e\u7684\u7e3d\u6210\u672c\uff0c\u800c\u975e\u53ea\u6bd4\u8f03\u5ba3\u50b3\u5229\u7387\u3002<\/p>\n<h2>5. \u516c\u53f8\u6309\u63ed\u9700\u8981\u751a\u9ebc\u6587\u4ef6\uff1f\u516d\u9805\u521d\u6b65\u6587\u4ef6\u6e05\u55ae<\/h2>\n<p>\u6839\u64da GICL \u73fe\u6709\u516c\u53f8\u6309\u63ed\u670d\u52d9\u8cc7\u6599\uff0c\u516c\u53f8\u540d\u7fa9\u6301\u6709\u7269\u696d\u7684\u521d\u6b65\u7533\u8acb\uff0c\u53ef\u5148\u6e96\u5099\u4ee5\u4e0b\u516d\u9805\u6587\u4ef6\u3002<\/p>\n<h3>Company Documents<\/h3>\n<ol>\n<li>\n<p><strong>\u6709\u6548\u5546\u696d\u767b\u8a18\u8b49\uff08Business Registration Certificate\uff09<\/strong><\/p>\n<\/li>\n<li>\n<p><strong>\u516c\u53f8\u8a3b\u518a\u8b49\u66f8\uff08Certificate of Incorporation\uff09<\/strong><\/p>\n<\/li>\n<li>\n<p><strong>Company bank statements for the last 3 months<\/strong><\/p>\n<\/li>\n<\/ol>\n<h3>\u8463\u4e8b\u6587\u4ef6<\/h3>\n<ol start=\"4\">\n<li>\n<p><strong>\u8463\u4e8b\u8eab\u4efd\u8b49\u660e\u6587\u4ef6<\/strong><\/p>\n<\/li>\n<li>\n<p><strong>Director's Proof of Address<\/strong><\/p>\n<\/li>\n<li>\n<p><strong>Director's bank statements for the last 3 months<\/strong><\/p>\n<\/li>\n<\/ol>\n<p>\u4ee5\u4e0a\u662f GICL \u516c\u53f8\u6309\u63ed\u521d\u6b65\u8a55\u4f30\u7684\u57fa\u672c\u6e05\u55ae\uff0c\u4e26\u975e\u6240\u6709\u8cb8\u6b3e\u6a5f\u69cb\u7d71\u4e00\u898f\u5b9a\uff0c\u4ea6\u4e0d\u4ee3\u8868\u63d0\u4ea4\u516d\u9805\u6587\u4ef6\u5f8c\u4fbf\u4e00\u5b9a\u7372\u6279\u3002<\/p>\n<p><a href=\"\/en\/WhatsApp GICL\/\" target=\"_blank\" rel=\"noopener noreferrer\">WhatsApp\u5411GICL\u7d22\u53d6\u516c\u53f8\u6309\u63ed\u6587\u4ef6\u6e05\u55ae<\/a><\/p>\n<h3>\u500b\u5225\u60c5\u6cc1\u4e0b\u53ef\u80fd\u9700\u8981\u54ea\u4e9b\u88dc\u5145\u6587\u4ef6\uff1f<\/h3>\n<p>\u5982\u679c\u516c\u53f8\u67b6\u69cb\u8f03\u8907\u96dc\u3001\u7269\u696d\u5df2\u6709\u6309\u63ed\u6216\u6d89\u53ca\u5176\u4ed6\u64d4\u4fdd\u5b89\u6392\uff0c\u8cb8\u6b3e\u6a5f\u69cb\u6216\u5f8b\u5e2b\u53ef\u80fd\u8981\u6c42\uff1a<\/p>\n<ul>\n<li>\n<p>\u6700\u8fd1\u5468\u5e74\u7533\u5831\u8868\uff08NAR1\uff09\u53ca\u516c\u53f8\u7ae0\u7a0b<\/p>\n<\/li>\n<li>\n<p>\u8463\u4e8b\u3001\u80a1\u6771\u53ca\u5be6\u76ca\u64c1\u6709\u4eba\u8cc7\u6599<\/p>\n<\/li>\n<li>\n<p>\u8463\u4e8b\u6703\u6c7a\u8b70\u53ca\u7c3d\u7f72\u6388\u6b0a<\/p>\n<\/li>\n<li>\n<p>\u7269\u696d\u5730\u5740\u3001\u571f\u5730\u67e5\u518a\u53ca\u696d\u6b0a\u6587\u4ef6<\/p>\n<\/li>\n<li>\n<p>\u73fe\u6709\u6309\u63ed\u6708\u7d50\u55ae\u3001\u8d16\u56de\u7d50\u6b20\u53ca\u62bc\u8a18\u8cc7\u6599<\/p>\n<\/li>\n<li>\n<p>\u79df\u7d04\u53ca\u79df\u91d1\u6536\u5165\u7d00\u9304<\/p>\n<\/li>\n<li>\n<p>\u8cb8\u6b3e\u7528\u9014\u53ca\u9810\u8a08\u9084\u6b3e\u4f86\u6e90\u8aaa\u660e<\/p>\n<\/li>\n<li>\n<p>\u8ca1\u52d9\u5831\u8868\u3001\u6838\u6578\u5831\u544a\u6216\u5176\u4ed6\u88dc\u5145\u8ca1\u52d9\u6587\u4ef6\uff08\u5982\u9069\u7528\uff09<\/p>\n<\/li>\n<\/ul>\n<h3>\u516c\u53f8\u6c92\u6709\u6838\u6578\u5831\u544a\uff0c\u53ef\u4ee5\u7533\u8acb\u6309\u63ed\u55ce\uff1f<\/h3>\n<p><strong>\u53ef\u4ee5\u5148\u7533\u8acb\u521d\u6b65\u8a55\u4f30\uff0c\u4f46\u4e0d\u80fd\u4fdd\u8b49\u7372\u8c41\u514d\u6838\u6578\u5831\u544a\u3002<\/strong><\/p>\n<p>GICL\u90e8\u5206\u7269\u696d\u6309\u63ed\u65b9\u6848\u7684\u5ba3\u50b3\u8cc7\u6599\u63d0\u53ca\u6587\u4ef6\u8981\u6c42\u8f03\u5177\u5f48\u6027\u3002\u4e0d\u904e\uff0c\u7533\u8acb\u4eba\u4ecd\u53ef\u80fd\u9700\u8981\u63d0\u4f9b\u9280\u884c\u6708\u7d50\u55ae\u3001\u8eab\u4efd\u3001\u516c\u53f8\u3001\u7269\u696d\u53ca\u9084\u6b3e\u5b89\u6392\u8cc7\u6599\u3002<\/p>\n<p>\u300c\u514d\u5165\u606f\u8b49\u660e\u300d\u4e0d\u7b49\u65bc\u514d\u9664\u6240\u6709\u76e1\u8077\u5be9\u67e5\u3001\u9084\u6b3e\u80fd\u529b\u8a55\u4f30\u6216\u8ca1\u52d9\u6587\u4ef6\u8981\u6c42\u3002<\/p>\n<h2>6. \u516c\u53f8\u8463\u4e8b\u4e00\u5b9a\u8981\u505a\u500b\u4eba\u64d4\u4fdd\u4eba\u55ce\uff1f<\/h2>\n<p><strong>\u4e0d\u662f\u6cd5\u5f8b\u4e0a\u6240\u6709\u516c\u53f8\u6309\u63ed\u90fd\u5fc5\u9808\u7531\u8463\u4e8b\u64d4\u4fdd\uff0c\u4f46\u8cb8\u6b3e\u6a5f\u69cb\u53ef\u80fd\u8981\u6c42\u4e3b\u8981\u80a1\u6771\u3001\u6771\u4e3b\u6216\u8463\u4e8b\u63d0\u4f9b\u500b\u4eba\u64d4\u4fdd\u3002<\/strong><\/p>\n<p>\u6709\u9650\u516c\u53f8\u5728\u6cd5\u5f8b\u4e0a\u8207\u5176\u80a1\u6771\u53ca\u8463\u4e8b\u5c6c\u4e0d\u540c\u4e3b\u9ad4\u3002\u516c\u53f8\u540d\u4e0b\u7269\u696d\u4e26\u975e\u8463\u4e8b\u7684\u500b\u4eba\u8ca1\u7522\u3002<\/p>\n<p>\u7136\u800c\uff0c\u5982\u679c\u8463\u4e8b\u7c3d\u7f72\u500b\u4eba\u64d4\u4fdd\uff0c\u4fbf\u53ef\u80fd\u6309\u7167\u64d4\u4fdd\u5408\u7d04\u5c0d\u76f8\u95dc\u50b5\u52d9\u627f\u64d4\u500b\u4eba\u8cac\u4efb\u3002<\/p>\n<h3>\u7c3d\u7f72\u500b\u4eba\u64d4\u4fdd\u524d\u61c9\u78ba\u8a8d\u751a\u9ebc\uff1f<\/h3>\n<p>\u6700\u91cd\u8981\u7684\u554f\u984c\u5305\u62ec\uff1a<\/p>\n<ol>\n<li>\n<p>\u64d4\u4fdd\u662f\u5426\u6709\u6700\u9ad8\u91d1\u984d\u9650\u5236\uff1f<\/p>\n<\/li>\n<li>\n<p>\u64d4\u4fdd\u6db5\u84cb\u672c\u91d1\u3001\u5229\u606f\u3001\u8cbb\u7528\u53ca\u5176\u4ed6\u50b5\u52d9\u7684\u7bc4\u570d\u6709\u591a\u5927\uff1f<\/p>\n<\/li>\n<li>\n<p>\u516c\u53f8\u672a\u80fd\u9084\u6b3e\u6642\uff0c\u8cb8\u6b3e\u6a5f\u69cb\u53ef\u5728\u751a\u9ebc\u60c5\u6cc1\u4e0b\u5411\u64d4\u4fdd\u4eba\u8ffd\u8a0e\uff1f<\/p>\n<\/li>\n<li>\n<p>\u64d4\u4fdd\u6703\u5426\u6301\u7e8c\u6db5\u84cb\u5c07\u4f86\u7684\u878d\u8cc7\uff1f<\/p>\n<\/li>\n<li>\n<p>\u8cb8\u6b3e\u6e05\u9084\u5f8c\u5982\u4f55\u6b63\u5f0f\u89e3\u9664\u64d4\u4fdd\uff1f<\/p>\n<\/li>\n<\/ol>\n<p>\u82e5\u5c6c\u6301\u7e8c\u64d4\u4fdd\u6216\u6d89\u53ca\u591a\u9805\u878d\u8cc7\uff0c\u8cac\u4efb\u7bc4\u570d\u53ef\u80fd\u6bd4\u55ae\u4e00\u6309\u63ed\u672c\u91d1\u66f4\u5ee3\u3002<\/p>\n<p><strong>\u8463\u4e8b\u4e0d\u61c9\u53ea\u56e0\u516c\u53f8\u5c6c\u6709\u9650\u516c\u53f8\uff0c\u5c31\u5047\u8a2d\u500b\u4eba\u8cc7\u7522\u4e0d\u6703\u53d7\u5230\u5df2\u7c3d\u7f72\u64d4\u4fdd\u7684\u5f71\u97ff\u3002<\/strong> \u7c3d\u7f72\u524d\u5b9c\u53d6\u5f97\u7368\u7acb\u6cd5\u5f8b\u610f\u898b\u3002<\/p>\n<h2>7. \u516c\u53f8\u7269\u696d\u6309\u63ed\u9700\u8981\u767b\u8a18\u751a\u9ebc\u62bc\u8a18\uff1f<\/h2>\n<p>\u516c\u53f8\u540d\u7fa9\u6301\u6709\u7269\u696d\u7684\u6309\u63ed\uff0c\u53ef\u80fd\u6d89\u53ca\u571f\u5730\u8a3b\u518a\u8655\u53ca\u516c\u53f8\u8a3b\u518a\u8655\u5169\u5957\u4e0d\u540c\u7684\u767b\u8a18\u8981\u6c42\u3002<\/p>\n<h3>\u571f\u5730\u8a3b\u518a\u8655\uff1a\u6838\u5be6\u7269\u696d\u53ca\u62b5\u62bc\u6587\u4ef6<\/h3>\n<p>\u9999\u6e2f\u73fe\u884c\u571f\u5730\u767b\u8a18\u5236\u5ea6\u4e3b\u8981\u5c6c\u5951\u64da\u8a3b\u518a\u5236\u5ea6\u3002\u7533\u8acb\u516c\u53f8\u6309\u63ed\u524d\uff0c\u4e00\u822c\u6703\u900f\u904e\u571f\u5730\u67e5\u518a\u4e86\u89e3\u7269\u696d\u7684\u5df2\u767b\u8a18\u696d\u4e3b\u53ca\u76f8\u95dc\u6587\u66f8\u3002<\/p>\n<p>\u4f46\u571f\u5730\u8a3b\u518a\u4e0d\u7b49\u540c\u653f\u5e9c\u4fdd\u8b49\u7269\u696d\u696d\u6b0a\u7121\u7455\u75b5\uff0c\u4ecd\u9808\u7531\u5f8b\u5e2b\u6838\u5c0d\u76f8\u95dc\u696d\u6b0a\u6587\u4ef6\u3002<\/p>\n<p>\u8cc7\u6599\u4f86\u6e90\uff1a<a href=\"https:\/\/www.landreg.gov.hk\/en\/services\/services_a_1.htm\" target=\"_blank\" rel=\"noopener noreferrer\">\u9999\u6e2f\u571f\u5730\u8a3b\u518a\u8655\uff1a\u5951\u64da\u8a3b\u518a<\/a>.<\/p>\n<h3>\u516c\u53f8\u8a3b\u518a\u8655\uff1a\u516c\u53f8\u62bc\u8a18\u767b\u8a18<\/h3>\n<p>\u6839\u64da\u9999\u6e2f\u300a\u516c\u53f8\u689d\u4f8b\u300b\uff08\u7b2c622\u7ae0\uff09\uff0c\u516c\u53f8\u8a2d\u7acb\u5c6c\u9808\u8a3b\u518a\u985e\u5225\u7684\u62bc\u8a18\u6642\uff0c\u4e00\u822c\u9808\u5728<strong>\u62bc\u8a18\u8a2d\u7acb\u65e5\u671f\u5f8c\u4e00\u500b\u6708\u5167<\/strong>\u5411\u516c\u53f8\u8a3b\u518a\u8655\u63d0\u4ea4\uff1a<\/p>\n<ul>\n<li>\n<p>\u6307\u660e\u8868\u683c NM1<\/p>\n<\/li>\n<li>\n<p>\u7d93\u6838\u8b49\u7684\u62bc\u8a18\u6587\u66f8\u526f\u672c<\/p>\n<\/li>\n<li>\n<p>\u9069\u7528\u7684\u767b\u8a18\u8cbb\u7528<\/p>\n<\/li>\n<\/ul>\n<p>\u5982\u8d85\u904e\u6cd5\u5b9a\u671f\u9650\uff0c\u53ef\u80fd\u9700\u8981\u5411\u6cd5\u9662\u7533\u8acb\u5ef6\u9577\u767b\u8a18\u671f\u9650\u3002<\/p>\n<p>\u8cc7\u6599\u4f86\u6e90\uff1a<a href=\"https:\/\/www.cr.gov.hk\/en\/faq\/local-company\/reg-charge-discharge.htm\" target=\"_blank\" rel=\"noopener noreferrer\">\u9999\u6e2f\u516c\u53f8\u8a3b\u518a\u8655\uff1a\u62bc\u8a18\u767b\u8a18\u5e38\u898b\u554f\u984c<\/a>.<\/p>\n<p><strong>\u91cd\u8981\uff1a<\/strong> \u571f\u5730\u8a3b\u518a\u53ca\u516c\u53f8\u62bc\u8a18\u767b\u8a18\u4e26\u4e0d\u662f\u4e92\u76f8\u53d6\u4ee3\u7684\u7a0b\u5e8f\u3002\u5be6\u969b\u9069\u7528\u8981\u6c42\u61c9\u7531\u8655\u7406\u4ea4\u6613\u7684\u5f8b\u5e2b\u78ba\u8a8d\u3002<\/p>\n<h2>8. \u54ea\u4e9b\u56e0\u7d20\u6703\u5f71\u97ff\u6709\u9650\u516c\u53f8\u6309\u63ed\u6279\u6838\uff1f<\/h2>\n<p>\u516c\u53f8\u6309\u63ed\u80fd\u5426\u6279\u6838\uff0c\u4e0d\u662f\u55ae\u770b\u7269\u696d\u503c\u591a\u5c11\u9322\u3002<\/p>\n<h3>\u7269\u696d\u4f30\u503c\u8207\u985e\u578b<\/h3>\n<p>\u4f4f\u5b85\u3001\u5546\u8216\u3001\u5beb\u5b57\u6a13\u3001\u5de5\u5ec8\u53ca\u5176\u4ed6\u7269\u696d\uff0c\u53ef\u80fd\u6709\u4e0d\u540c\u7684\u4f30\u503c\u65b9\u6cd5\u3001\u6309\u63ed\u8981\u6c42\u53ca\u98a8\u96aa\u3002<\/p>\n<p>\u8cb8\u6b3e\u6a5f\u69cb\u4ea6\u53ef\u80fd\u8003\u616e\u6a13\u9f61\u3001\u7528\u9014\u3001\u79df\u8cc3\u60c5\u6cc1\u3001\u7269\u696d\u72c0\u6cc1\u53ca\u5e02\u5834\u6d41\u901a\u6027\u3002<\/p>\n<h3>\u516c\u53f8\u71df\u904b\u53ca\u73fe\u91d1\u6d41<\/h3>\n<p>\u8cb8\u6b3e\u6a5f\u69cb\u53ef\u80fd\u5be9\u8996\u516c\u53f8\u71df\u904b\u5e74\u671f\u3001\u9280\u884c\u5f80\u4f86\u3001\u6536\u5165\u4f86\u6e90\u3001\u50b5\u52d9\u6c34\u5e73\u53ca\u9084\u6b3e\u8a08\u5283\u3002<\/p>\n<p>\u5373\u4f7f\u516c\u53f8\u8cc7\u7522\u50f9\u503c\u8f03\u9ad8\uff0c\u4e5f\u4e0d\u7b49\u65bc\u80fd\u5920\u627f\u53d7\u6bcf\u6708\u4f9b\u6b3e\u3002<\/p>\n<h3>\u8463\u4e8b\u53ca\u64d4\u4fdd\u4eba\u80cc\u666f<\/h3>\n<p>\u5982\u7533\u8acb\u6d89\u53ca\u500b\u4eba\u64d4\u4fdd\uff0c\u64d4\u4fdd\u4eba\u7684\u8ca1\u52d9\u72c0\u6cc1\u53ca\u65e2\u6709\u50b5\u52d9\u53ef\u80fd\u5f71\u97ff\u6574\u9ad4\u5be9\u6279\u3002<\/p>\n<p>\u662f\u5426\u67e5\u95b1\u500b\u4eba\u4fe1\u8cb8\u7d00\u9304\u3001\u5982\u4f55\u4f7f\u7528\u4fe1\u8cb8\u8cc7\u6599\u53ca\u6703\u5426\u5411\u4fe1\u8cb8\u8cc7\u6599\u5eab\u7533\u5831\uff0c\u61c9\u5411\u76f8\u95dc\u8cb8\u6b3e\u6a5f\u69cb\u78ba\u8a8d\u3002<\/p>\n<h3>\u73fe\u6709\u7269\u696d\u53ca\u516c\u53f8\u62bc\u8a18<\/h3>\n<p>\u7269\u696d\u4e00\u65e6\u5df2\u6709\u62b5\u62bc\uff0c\u8cb8\u6b3e\u6a5f\u69cb\u9808\u8003\u616e\u73fe\u6709\u8cb8\u6b3e\u7d50\u9918\u3001\u62b5\u62bc\u6b0a\u6b21\u5e8f\uff0c\u4ee5\u53ca\u65b0\u589e\u878d\u8cc7\u6703\u5426\u8207\u73fe\u6709\u5408\u7d04\u885d\u7a81\u3002<\/p>\n<h2>9. \u516c\u53f8\u6309\u63ed\u7533\u8acb\u6d41\u7a0b\uff1a\u7531\u521d\u6b65\u8a55\u4f30\u81f3\u6b63\u5f0f\u653e\u6b3e<\/h2>\n<h3>\u7b2c\u4e00\u6b65\uff1a\u78ba\u8a8d\u516c\u53f8\u53ca\u7269\u696d\u8cc7\u6599<\/h3>\n<p>\u63d0\u4f9b\u516c\u53f8\u540d\u7a31\u3001\u7269\u696d\u5730\u5740\u3001\u7269\u696d\u7a2e\u985e\u3001\u6240\u9700\u878d\u8cc7\u984d\u53ca\u8cc7\u91d1\u7528\u9014\uff0c\u4e26\u78ba\u8a8d\u7269\u696d\u7531\u516c\u53f8\u6301\u6709\u3002<\/p>\n<h3>\u7b2c\u4e8c\u6b65\uff1a\u6e96\u5099\u57fa\u672c\u6587\u4ef6<\/h3>\n<p>\u6309\u8981\u6c42\u63d0\u4ea4\u516c\u53f8\u8a3b\u518a\u8b49\u66f8\u3001\u5546\u696d\u767b\u8a18\u8b49\u3001\u516c\u53f8\u9280\u884c\u6708\u7d50\u55ae\u53ca\u76f8\u95dc\u8463\u4e8b\u8cc7\u6599\u3002<\/p>\n<p>\u521d\u6b65\u8aee\u8a62\u968e\u6bb5\u53ef\u5148\u63d0\u4ea4\u975e\u654f\u611f\u7684\u57fa\u672c\u8cc7\u8a0a\uff1b\u5b8c\u6574\u8eab\u4efd\u8b49\u660e\u6216\u9280\u884c\u6587\u4ef6\u61c9\u900f\u904e\u5df2\u78ba\u8a8d\u7684\u5b89\u5168\u6e20\u9053\u905e\u4ea4\u3002<\/p>\n<h3>\u7b2c\u4e09\u6b65\uff1a\u7269\u696d\u4f30\u50f9\u53ca\u521d\u6b65\u98a8\u96aa\u8a55\u4f30<\/h3>\n<p>\u8cb8\u6b3e\u6a5f\u69cb\u8a55\u4f30\u7269\u696d\u50f9\u503c\u3001\u73fe\u6709\u6309\u63ed\u3001\u516c\u53f8\u80cc\u666f\u53ca\u9084\u6b3e\u4f86\u6e90\u3002<\/p>\n<p>\u521d\u6b65\u4f30\u7b97\u8cb8\u6b3e\u984d\uff0c\u4e0d\u4ee3\u8868\u6b63\u5f0f\u6279\u6838\u3002<\/p>\n<h3>\u7b2c\u56db\u6b65\uff1a\u78ba\u8a8d\u8cb8\u6b3e\u53ca\u64d4\u4fdd\u67b6\u69cb<\/h3>\n<p>\u78ba\u8a8d\u8ab0\u662f\u501f\u6b3e\u4eba\u3001\u8ab0\u63d0\u4f9b\u7269\u696d\u62b5\u62bc\uff0c\u4ee5\u53ca\u8463\u4e8b\u6216\u80a1\u6771\u662f\u5426\u9700\u8981\u7c3d\u7f72\u500b\u4eba\u64d4\u4fdd\u3002<\/p>\n<h3>Step 5: Review written loan terms<\/h3>\n<p>\u53d6\u5f97\u6b63\u5f0f\u6587\u4ef6\u5f8c\uff0c\u6838\u5c0d\u8cb8\u6b3e\u984d\u3001\u5229\u7387\u3001\u8cbb\u7528\u3001\u9084\u6b3e\u671f\u3001\u9055\u7d04\u8cac\u4efb\u53ca\u63d0\u524d\u9084\u6b3e\u689d\u4ef6\u3002<\/p>\n<h3>\u7b2c\u516d\u6b65\uff1a\u5b8c\u6210\u6cd5\u5f8b\u7a0b\u5e8f\u53ca\u653e\u6b3e<\/h3>\n<p>\u5f8b\u5e2b\u6309\u4ea4\u6613\u9700\u8981\u8655\u7406\u696d\u6b0a\u3001\u62b5\u62bc\u3001\u516c\u53f8\u6388\u6b0a\u3001\u73fe\u6709\u8cb8\u6b3e\u8d16\u56de\u53ca\u9069\u7528\u767b\u8a18\u7a0b\u5e8f\u3002<\/p>\n<p><strong>\u516c\u53f8\u6309\u63ed\u6240\u9700\u6642\u9593\u6c92\u6709\u7d71\u4e00\u6a19\u6e96\u3002<\/strong> \u6587\u4ef6\u5b8c\u6574\u7a0b\u5ea6\u3001\u4f30\u50f9\u3001\u696d\u6b0a\u3001\u73fe\u6709\u62bc\u8a18\u53ca\u6cd5\u5f8b\u5de5\u4f5c\uff0c\u90fd\u53ef\u80fd\u5f71\u97ff\u6b63\u5f0f\u653e\u6b3e\u65e5\u671f\u3002<\/p>\n<h2>10. \u516c\u53f8\u6309\u63ed\u5229\u7387\u3001\u8cbb\u7528\u53ca\u9084\u6b3e\u98a8\u96aa<\/h2>\n<h3>\u516c\u53f8\u6309\u63ed\u5229\u7387\u662f\u5426\u6bd4\u500b\u4eba\u6309\u63ed\u9ad8\uff1f<\/h3>\n<p>\u4e0d\u80fd\u4e00\u6982\u800c\u8ad6\u3002\u516c\u53f8\u6309\u63ed\u7684\u5b9a\u50f9\u8207\u8cb8\u6b3e\u6a5f\u69cb\u3001\u8cb8\u6b3e\u7528\u9014\u3001\u7269\u696d\u98a8\u96aa\u3001\u9084\u6b3e\u80fd\u529b\u53ca\u8cb8\u6b3e\u689d\u6b3e\u6709\u95dc\u3002<\/p>\n<p>\u9280\u884c\u8207\u6301\u724c\u8ca1\u52d9\u516c\u53f8\u63a1\u7528\u7684\u7522\u54c1\u3001\u98a8\u96aa\u53ca\u8cc7\u91d1\u6210\u672c\u5b89\u6392\u53ef\u80fd\u4e0d\u540c\uff0c\u56e0\u6b64\u61c9\u6839\u64da\u5be6\u969b\u5831\u50f9\u6bd4\u8f03\uff0c\u800c\u4e0d\u662f\u5047\u5b9a\u67d0\u4e00\u985e\u6a5f\u69cb\u5fc5\u7136\u6700\u4fbf\u5b9c\u3002<\/p>\n<h3>\u61c9\u8a72\u6bd4\u8f03\u54ea\u4e9b\u501f\u8cb8\u6210\u672c\uff1f<\/h3>\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>\u6210\u672c\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>\u9700\u8981\u78ba\u8a8d\u7684\u5167\u5bb9<\/p>\n<\/th>\n<\/tr>\n<tr>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>Annual interest rate<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u56fa\u5b9a\u6216\u6d6e\u52d5\uff0c\u5982\u4f55\u8a08\u7b97<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u5be6\u969b\u5e74\u5229\u7387\u6216\u7b49\u6548\u7e3d\u6210\u672c<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u662f\u5426\u53cd\u6620\u9069\u7528\u8cbb\u7528<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u884c\u653f\u53ca\u4f30\u50f9\u8cbb<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u6709\u5426\u6536\u8cbb\u53ca\u6536\u8cbb\u6642\u9593<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u5f8b\u5e2b\u53ca\u767b\u8a18\u8cbb<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u7531\u8ab0\u627f\u64d4<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u63d0\u524d\u9084\u6b3e\u8cbb<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u6709\u6c92\u6709\u7f70\u606f\u671f\u53ca\u5176\u4ed6\u9650\u5236<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u903e\u671f\u5229\u606f<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u903e\u671f\u5f8c\u5982\u4f55\u8a08\u7b97<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u5be6\u969b\u6536\u6b3e\u984d<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u6263\u9664\u8cbb\u7528\u53ca\u8d16\u56de\u820a\u6309\u63ed\u5f8c\u53ef\u6536\u5230\u591a\u5c11<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u64d4\u4fdd\u8cac\u4efb<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u516c\u53f8\u9055\u7d04\u6642\u8463\u4e8b\u6216\u80a1\u6771\u53ef\u80fd\u627f\u64d4\u751a\u9ebc\u8cac\u4efb<\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h3>\u516c\u53f8\u6309\u63ed\u6709\u751a\u9ebc\u4e3b\u8981\u98a8\u96aa\uff1f<\/h3>\n<p><strong>\u7b2c\u4e00\uff0c\u62b5\u62bc\u7269\u696d\u53ef\u80fd\u9762\u81e8\u6cd5\u5f8b\u8ffd\u8a0e\u6216\u8655\u7f6e\u3002<\/strong> \u5982\u516c\u53f8\u6301\u7e8c\u9055\u7d04\uff0c\u8cb8\u6b3e\u6a5f\u69cb\u53ef\u80fd\u4f9d\u7167\u5408\u7d04\u53ca\u6cd5\u5f8b\u7a0b\u5e8f\u884c\u4f7f\u62b5\u62bc\u6b0a\u5229\u3002<\/p>\n<p><strong>\u7b2c\u4e8c\uff0c\u8463\u4e8b\u500b\u4eba\u53ef\u80fd\u627f\u64d4\u64d4\u4fdd\u8cac\u4efb\u3002<\/strong> \u5df2\u7c3d\u7f72\u7684\u500b\u4eba\u64d4\u4fdd\u4e0d\u6703\u56e0\u516c\u53f8\u662f\u6709\u9650\u516c\u53f8\u800c\u81ea\u52d5\u5931\u6548\u3002<\/p>\n<p><strong>\u7b2c\u4e09\uff0c\u77ed\u671f\u878d\u8cc7\u53ef\u80fd\u51fa\u73fe\u518d\u878d\u8cc7\u98a8\u96aa\u3002<\/strong> \u5982\u679c\u516c\u53f8\u6253\u7b97\u65e5\u5f8c\u8f49\u6309\u81f3\u9280\u884c\uff0c\u61c9\u9810\u5148\u8003\u616e\u9280\u884c\u80fd\u5426\u5be9\u6279\u3001\u4f30\u50f9\u8b8a\u52d5\u3001\u5229\u7387\u53ca\u8f49\u6309\u8cbb\u7528\u3002<\/p>\n<h2>11. \u9280\u884c\u516c\u53f8\u6309\u63ed\u8207\u6301\u724c\u8ca1\u52d9\u516c\u53f8\u6309\u63ed\u6709\u4f55\u4e0d\u540c\uff1f<\/h2>\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>Bank<\/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>\u6301\u724c\u8ca1\u52d9\u516c\u53f8<\/p>\n<\/th>\n<\/tr>\n<tr>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>Regulatory system<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u9280\u884c\u76f8\u95dc\u6cd5\u898f\u53ca\u91d1\u7ba1\u5c40\u76e3\u7ba1\u8981\u6c42<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u300a\u653e\u50b5\u4eba\u689d\u4f8b\u300b\u53ca\u76f8\u95dc\u724c\u7167\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>\u5be9\u6279\u8cc7\u6599<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u6309\u500b\u5225\u9280\u884c\u4fe1\u8cb8\u653f\u7b56<\/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\u8cb8\u6b3e\u6a5f\u69cb\u8981\u6c42<\/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\u53ca\u8ca1\u52d9\u5be9\u67e5<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u901a\u5e38\u9700\u8981\u8a55\u4f30\u9084\u6b3e\u80fd\u529b\u53ca\u4f01\u696d\u8ca1\u52d9<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u90e8\u5206\u7522\u54c1\u6587\u4ef6\u8981\u6c42\u8f03\u5177\u5f48\u6027\uff0c\u4f46\u4ecd\u9808\u4f5c\u76f8\u95dc\u5be9\u67e5<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>Max. LTV Ratio<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u53d7\u9069\u7528\u9280\u884c\u5be9\u614e\u63aa\u65bd\u53ca\u4fe1\u8cb8\u653f\u7b56\u7d04\u675f<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u6309\u7522\u54c1\u3001\u98a8\u96aa\u8a55\u4f30\u53ca\u9069\u7528\u6cd5\u5f8b\u78ba\u5b9a<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u8cb8\u6b3e\u8cbb\u7528<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u4ee5\u9280\u884c\u6b63\u5f0f\u5831\u50f9\u70ba\u6e96<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u4ee5\u8ca1\u52d9\u516c\u53f8\u6b63\u5f0f\u5831\u50f9\u70ba\u6e96<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u653e\u6b3e\u6642\u9593<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u53d7\u5be9\u6279\u3001\u4f30\u50f9\u53ca\u6cd5\u5f8b\u7a0b\u5e8f\u5f71\u97ff<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u540c\u6a23\u53d7\u5be9\u6279\u3001\u4f30\u50f9\u53ca\u6cd5\u5f8b\u7a0b\u5e8f\u5f71\u97ff<\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>\u9078\u64c7\u6642\u61c9\u8003\u616e<strong>\u53ef\u53d6\u5f97\u7684\u6de8\u8cb8\u6b3e\u984d\u3001\u6574\u9ad4\u6210\u672c\u3001\u6240\u9700\u6642\u9593\u3001\u9084\u6b3e\u80fd\u529b\u53ca\u98a8\u96aa<\/strong>\uff0c\u800c\u4e0d\u61c9\u53ea\u770b\u5ba3\u50b3\u4e0a\u7684\u6700\u5feb\u6279\u6838\u6642\u9593\u3002<\/p>\n<h2>12. \u516c\u53f8\u6309\u63ed\u8207\u4e2d\u5c0f\u4f01\u6309\u63ed\u6709\u751a\u9ebc\u5206\u5225\uff1f<\/h2>\n<p>\u300c\u516c\u53f8\u6309\u63ed\u300d\u901a\u5e38\u4ee5\u516c\u53f8\u540d\u7fa9\u6301\u6709\u7269\u696d\u7684\u62b5\u62bc\u878d\u8cc7\u5b89\u6392\u70ba\u91cd\u9ede\u3002<\/p>\n<p>\u300c\u4e2d\u5c0f\u4f01\u6309\u63ed\u300d\u5247\u662f\u8f03\u504f\u5411\u8cc7\u91d1\u7528\u9014\u7684\u5e02\u5834\u7528\u8a9e\uff0c\u4e3b\u8981\u8a0e\u8ad6\u4f01\u696d\u5982\u4f55\u900f\u904e\u7269\u696d\u62b5\u62bc\u53d6\u5f97\u71df\u904b\u8cc7\u91d1\u3002\u62b5\u62bc\u7269\u696d\u53ef\u80fd\u7531\u4f01\u696d\u6301\u6709\uff0c\u4e5f\u53ef\u80fd\u7531\u6771\u4e3b\u79c1\u4eba\u6301\u6709\u3002<\/p>\n<p>\u5169\u8005\u4e0d\u662f\u5fc5\u7136\u4e92\u76f8\u6392\u65a5\u7684\u8cb8\u6b3e\u7522\u54c1\u985e\u5225\u3002<\/p>\n<p>\u4f8b\u5982\uff0c\u4e00\u9593\u4e2d\u5c0f\u4f01\u6301\u6709\u5beb\u5b57\u6a13\uff0c\u518d\u4ee5\u8a72\u5beb\u5b57\u6a13\u878d\u8cc7\u4f5c\u71df\u904b\u7528\u9014\uff0c\u4fbf\u53ef\u80fd\u540c\u6642\u7b26\u5408\u4e00\u822c\u5e02\u5834\u5c0d\u300c\u516c\u53f8\u6309\u63ed\u300d\u53ca\u300c\u4e2d\u5c0f\u4f01\u7269\u696d\u878d\u8cc7\u300d\u7684\u63cf\u8ff0\u3002<\/p>\n<p>\u5ef6\u4f38\u95b1\u8b80\uff1a<a href=\"https:\/\/gicl.com.hk\/en\/sme-property-cash-out-second-mortgage-2026\/\" target=\"_blank\" rel=\"noopener noreferrer\">GICL \u4e2d\u5c0f\u4f01\u6309\u63ed\u53ca\u7269\u696d\u878d\u8cc7\u6307\u5357<\/a><\/p>\n<h2>13. \u516c\u53f8\u6309\u63ed\u5e38\u898b\u554f\u984c FAQ<\/h2>\n<h3>Q1\uff1a\u9999\u6e2f\u6709\u9650\u516c\u53f8\u540d\u7fa9\u8cb7\u6a13\uff0c\u53ef\u4ee5\u7533\u8acb\u9280\u884c\u6309\u63ed\u55ce\uff1f<\/h3>\n<p>\u53ef\u4ee5\u63d0\u51fa\u7533\u8acb\u3002\u516c\u53f8\u540d\u7fa9\u6301\u6709\u4f4f\u5b85\u7269\u696d\u4e26\u4e0d\u4ee3\u8868\u81ea\u52d5\u4e0d\u80fd\u7533\u8acb\u9280\u884c\u6309\u63ed\u3002\u9280\u884c\u6703\u6309\u7269\u696d\u3001\u516c\u53f8\u3001\u9084\u6b3e\u80fd\u529b\u3001\u64d4\u4fdd\u53ca\u76f8\u95dc\u76e3\u7ba1\u8981\u6c42\u4f5c\u5be9\u6279\u3002<\/p>\n<h3>Q2\uff1a2026\u5e74\u516c\u53f8\u6309\u63ed\u6700\u9ad8\u6210\u6578\u662f\u591a\u5c11\uff1f<\/h3>\n<p>\u9069\u7528\u7684\u9280\u884c\u7269\u696d\u6309\u63ed\u5be9\u614e\u63aa\u65bd\u4e00\u822c\u4ee570%\u70ba\u6210\u6578\u4e0a\u9650\uff0c\u4f46\u5be6\u969b\u8cb8\u6b3e\u984d\u53ef\u80fd\u66f4\u4f4e\u3002\u4ee5\u7269\u696d\u4f5c\u62b5\u62bc\u7684\u4f01\u696d\u71df\u904b\u878d\u8cc7\u53ca\u6301\u724c\u8ca1\u52d9\u516c\u53f8\u7522\u54c1\uff0c\u4e0d\u80fd\u7c21\u55ae\u5957\u7528\u8a72\u4e0a\u9650\u3002<\/p>\n<h3>Q3\uff1a\u516c\u53f8\u6c92\u6709\u71df\u696d\u984d\uff0c\u53ef\u4ee5\u7533\u8acb\u516c\u53f8\u6309\u63ed\u55ce\uff1f<\/h3>\n<p>\u53ef\u4ee5\u5148\u63d0\u51fa\u521d\u6b65\u8a55\u4f30\uff0c\u4f46\u662f\u5426\u53ef\u7372\u6279\uff0c\u9808\u8996\u4e4e\u516c\u53f8\u8cc7\u7522\u3001\u62b5\u62bc\u7269\u696d\u3001\u9084\u6b3e\u4f86\u6e90\u3001\u64d4\u4fdd\u5b89\u6392\u53ca\u8cb8\u6b3e\u6a5f\u69cb\u7684\u5be9\u6279\u653f\u7b56\u3002\u6c92\u6709\u71df\u696d\u984d\u4e0d\u4ee3\u8868\u4e00\u5b9a\u7372\u6279\u6216\u4e00\u5b9a\u88ab\u62d2\u3002<\/p>\n<h3>Q4\uff1a\u65b0\u6210\u7acb\u516c\u53f8\u53ef\u4ee5\u7533\u8acb\u7269\u696d\u6309\u63ed\u55ce\uff1f<\/h3>\n<p>\u53ef\u4ee5\u63d0\u51fa\u7533\u8acb\uff0c\u4f46\u65b0\u516c\u53f8\u7684\u71df\u904b\u7d00\u9304\u8f03\u5c11\uff0c\u8cb8\u6b3e\u6a5f\u69cb\u53ef\u80fd\u9700\u8981\u66f4\u591a\u6709\u95dc\u8cc7\u7522\u3001\u80a1\u6771\u3001\u8cc7\u91d1\u7528\u9014\u53ca\u9084\u6b3e\u4f86\u6e90\u7684\u8cc7\u6599\u3002<\/p>\n<h3>Q5\uff1a\u516c\u53f8\u6c92\u6709\u6838\u6578\u5831\u544a\uff0c\u53ef\u4ee5\u7533\u8acb\u55ce\uff1f<\/h3>\n<p>\u53ef\u4ee5\u5148\u5411 GICL \u67e5\u8a62\u9069\u7528\u7522\u54c1\u3002\u4e0d\u904e\uff0c\u90e8\u5206\u8cb8\u6b3e\u4ecd\u53ef\u80fd\u9700\u8981\u8ca1\u52d9\u5831\u8868\u3001\u9280\u884c\u7d00\u9304\u6216\u5176\u4ed6\u8ca1\u52d9\u8cc7\u6599\uff0c\u4e26\u975e\u6240\u6709\u516c\u53f8\u5747\u80fd\u8c41\u514d\u6838\u6578\u5831\u544a\u3002<\/p>\n<h3>Q6\uff1a\u516c\u53f8\u6771\u4e3b\u4e00\u5b9a\u8981\u505a\u500b\u4eba\u64d4\u4fdd\u55ce\uff1f<\/h3>\n<p>\u4e0d\u4e00\u5b9a\u3002\u662f\u5426\u9700\u8981\u64d4\u4fdd\u7531\u8cb8\u6b3e\u6a5f\u69cb\u6309\u516c\u53f8\u53ca\u8cb8\u6b3e\u67b6\u69cb\u6c7a\u5b9a\u3002\u5982\u679c\u9700\u8981\uff0c\u64d4\u4fdd\u7bc4\u570d\u53ca\u8cac\u4efb\u61c9\u4ee5\u6b63\u5f0f\u6587\u4ef6\u70ba\u6e96\u3002<\/p>\n<h3>Q7\uff1a\u6709\u9650\u516c\u53f8\u6301\u6709\u7684\u5de5\u5ec8\u6216\u5546\u8216\u53ef\u4ee5\u505a\u6309\u63ed\u55ce\uff1f<\/h3>\n<p>\u53ef\u4ee5\u5c31\u76f8\u95dc\u7269\u696d\u63d0\u51fa\u8a55\u4f30\u3002\u5be6\u969b\u5b89\u6392\u53d6\u6c7a\u65bc\u7269\u696d\u696d\u6b0a\u3001\u7528\u9014\u3001\u4f30\u503c\u3001\u79df\u8cc3\u60c5\u6cc1\u53ca\u8cb8\u6b3e\u6a5f\u69cb\u653f\u7b56\u3002<\/p>\n<h3>Q8\uff1a\u516c\u53f8\u7269\u696d\u5df2\u6709\u9280\u884c\u4e00\u6309\uff0c\u53ef\u4ee5\u7533\u8acb\u4e8c\u6309\u55ce\uff1f<\/h3>\n<p>\u53ef\u4ee5\u7814\u7a76\u76f8\u95dc\u878d\u8cc7\u65b9\u6848\uff0c\u4f46\u9808\u6838\u5c0d\u73fe\u6709\u4e00\u6309\u5408\u7d04\u3001\u62b5\u62bc\u6b0a\u6b21\u5e8f\u3001\u7269\u696d\u5269\u9918\u50f9\u503c\u53ca\u662f\u5426\u9700\u8981\u73fe\u6709\u6309\u63ed\u6b0a\u4eba\u540c\u610f\u3002<\/p>\n<h3>Q9\uff1a\u516c\u53f8\u6309\u63ed\u6700\u5feb\u5e7e\u591a\u65e5\u53ef\u4ee5\u653e\u6b3e\uff1f<\/h3>\n<p>\u6c92\u6709\u9069\u7528\u65bc\u6240\u6709\u500b\u6848\u7684\u56fa\u5b9a\u6642\u9593\u3002\u90e8\u5206\u8cb8\u6b3e\u6a5f\u69cb\u8a2d\u6709\u5feb\u901f\u521d\u6b65\u6279\u6838\u5b89\u6392\uff0c\u4f46\u6b63\u5f0f\u653e\u6b3e\u4ecd\u6d89\u53ca\u5fc5\u8981\u5be9\u67e5\u3001\u4f30\u50f9\u3001\u6cd5\u5f8b\u6587\u4ef6\u53ca\u9069\u7528\u7684\u767b\u8a18\u7a0b\u5e8f\u3002<\/p>\n<h3>Q10\uff1a\u516c\u53f8\u6309\u63ed\u6703\u5f71\u97ff\u8463\u4e8b\u7684TU\u4fe1\u8cb8\u7d00\u9304\u55ce\uff1f<\/h3>\n<p>\u4e0d\u4e00\u5b9a\u3002\u5f71\u97ff\u53d6\u6c7a\u65bc\u662f\u5426\u6d89\u53ca\u500b\u4eba\u501f\u6b3e\u6216\u64d4\u4fdd\u3001\u8cb8\u6b3e\u6a5f\u69cb\u7684\u4fe1\u8cb8\u67e5\u8a62\u53ca\u8cc7\u6599\u7533\u5831\u5b89\u6392\u3002\u7533\u8acb\u524d\u61c9\u5411\u8cb8\u6b3e\u6a5f\u69cb\u78ba\u8a8d\u3002<\/p>\n<h3>Q11\uff1a\u516c\u53f8\u6309\u63ed\u53ef\u4ee5\u63d0\u524d\u9084\u6b3e\u55ce\uff1f<\/h3>\n<p>\u61c9\u6309\u8cb8\u6b3e\u5408\u7d04\u8655\u7406\u3002\u90e8\u5206\u7522\u54c1\u53ef\u63d0\u4f9b\u8f03\u9748\u6d3b\u7684\u63d0\u524d\u6e05\u9084\u5b89\u6392\uff0c\u4f46\u6709\u4e9b\u8cb8\u6b3e\u53ef\u80fd\u6d89\u53ca\u7f70\u606f\u3001\u884c\u653f\u8cbb\u6216\u5176\u4ed6\u689d\u4ef6\u3002\u7c3d\u7f72\u524d\u61c9\u78ba\u8a8d\u66f8\u9762\u689d\u6b3e\u3002<\/p>\n<h3>Q12\uff1aGICL\u53ef\u4ee5\u5e6b\u516c\u53f8\u540d\u7fa9\u7269\u696d\u7533\u8acb\u6309\u63ed\u55ce\uff1f<\/h3>\n<p>GICL\u53ef\u5c31\u516c\u53f8\u540d\u7fa9\u6301\u6709\u7269\u696d\u7684\u500b\u6848\u63d0\u4f9b\u521d\u6b65\u8a55\u4f30\uff0c\u5305\u62ec\u4e86\u89e3\u7269\u696d\u3001\u516c\u53f8\u6587\u4ef6\u3001\u8cb8\u6b3e\u9700\u8981\u53ca\u64d4\u4fdd\u5b89\u6392\u3002\u662f\u5426\u63a5\u53d7\u7533\u8acb\u53ca\u6700\u7d42\u6279\u6838\uff0c\u9808\u8996\u4e4e\u500b\u5225\u60c5\u6cc1\u3002<\/p>\n<hr>\n<h2>14. \u5411 GICL \u74b0\u7403\u4fe1\u8cb8\u7533\u8acb\u516c\u53f8\u6309\u63ed\u521d\u6b65\u8a55\u4f30<\/h2>\n<p>\u5982\u679c\u6709\u9650\u516c\u53f8\u540d\u4e0b\u6301\u6709\u7269\u696d\uff0c\u4e26\u5e0c\u671b\u4e86\u89e3\u53ef\u5426\u900f\u904e\u7269\u696d\u62b5\u62bc\u53d6\u5f97\u8cc7\u91d1\uff0c\u53ef\u5148\u5411 GICL \u63d0\u4f9b\u57fa\u672c\u8cc7\u6599\u4f5c\u521d\u6b65\u8a55\u4f30\u3002<\/p>\n<h3>\u7533\u8acb\u524d\u5efa\u8b70\u6e96\u5099<\/h3>\n<ul>\n<li>\n<p>Registered Company Name<\/p>\n<\/li>\n<li>\n<p>\u7269\u696d\u5730\u5740\u3001\u7a2e\u985e\u53ca\u7528\u9014<\/p>\n<\/li>\n<li>\n<p>\u76ee\u524d\u662f\u5426\u6709\u6309\u63ed\uff0c \u5c1a\u6b20\u91d1\u984d \u53ca \u4efb\u4f55\u5546\u696d\u8cb8\u6b3e:<\/p>\n<\/li>\n<li>\n<p>\u5e0c\u671b\u501f\u53d6\u7684\u91d1\u984d\u53ca\u8cc7\u91d1\u7528\u9014<\/p>\n<\/li>\n<li>\n<p>\u9810\u8a08\u501f\u6b3e\u671f\u9650\u53ca\u9084\u6b3e\u4f86\u6e90<\/p>\n<\/li>\n<li>\n<p>\u4e3b\u8981\u8463\u4e8b\u6216\u8ca0\u8cac\u806f\u7d61\u4eba\u8cc7\u6599<\/p>\n<\/li>\n<\/ul>\n<p>GICL\u73fe\u6709\u7269\u696d\u6309\u63ed\u7522\u54c1\u8cc7\u6599\u63d0\u53ca\uff0c\u90e8\u5206\u6307\u5b9a\u65b9\u6848\u63d0\u4f9b\u8f03\u7c21\u5316\u6587\u4ef6\u8981\u6c42\u3001\u5feb\u901f\u521d\u6b65\u5be9\u6279\u53ca\u5f48\u6027\u63d0\u524d\u9084\u6b3e\u5b89\u6392\u3002<strong>\u4ee5\u4e0a\u4e0d\u4ee3\u8868\u6240\u6709\u516c\u53f8\u6309\u63ed\u5747\u4eab\u6709\u76f8\u540c\u689d\u4ef6\uff0c\u4e5f\u4e0d\u4fdd\u8b49\u53ef\u65bc24\u5c0f\u6642\u5167\u6b63\u5f0f\u653e\u6b3e\u3002<\/strong><\/p>\n<p>\u521d\u6b65\u8a55\u4f30\u5f8c\uff0c\u8cb8\u6b3e\u984d\u3001\u5229\u7387\u3001\u8cbb\u7528\u3001\u6587\u4ef6\u8981\u6c42\u53ca\u6cd5\u5f8b\u5b89\u6392\u5747\u4ee5\u6b63\u5f0f\u66f8\u9762\u689d\u6b3e\u70ba\u6e96\u3002<\/p>\n<p><strong>\u806f\u7d61 GICL \u74b0\u7403\u4fe1\u8cb8<\/strong><\/p>\n<ul>\n<li>\n<p><a href=\"\/en\/WhatsApp GICL\/\" target=\"_blank\" rel=\"noopener noreferrer\">WhatsApp\uff1a\u63d0\u4ea4\u516c\u53f8\u7269\u696d\u6309\u63ed\u57fa\u672c\u8cc7\u6599<\/a><\/p>\n<\/li>\n<li>\n<p>\u96fb\u8a71\uff1a<strong>2111 0998<\/strong><\/p>\n<\/li>\n<li>\n<p>\u7db2\u7ad9\uff1a<a href=\"https:\/\/gicl.com.hk\/en\/\" target=\"_blank\" rel=\"noopener noreferrer\">https:\/\/gicl.com.hk\/<\/a><\/p>\n<\/li>\n<\/ul>\n<h3>GICL\u6301\u724c\u6a5f\u69cb\u8cc7\u6599<\/h3>\n<p>\u6839\u64da\u9999\u6e2f\u516c\u53f8\u8a3b\u518a\u8655\u622a\u81f32026\u5e749\u670830\u65e5\u7684\u6301\u724c\u653e\u50b5\u4eba\u540d\u55ae\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>Registered Company Name<\/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>\u653e\u50b5\u4eba\u724c\u7167\u865f\u78bc<\/p>\n<\/th>\n<\/tr>\n<tr>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u74b0\u7403\u4fe1\u8cb8\u6709\u9650\u516c\u53f8<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>82\/2026<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u74b0\u7403\u8cb8\u6b3e\u6709\u9650\u516c\u53f8<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>421\/2026<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u74b0\u7403\u7269\u696d\u6309\u63ed\u6709\u9650\u516c\u53f8<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>1916\/2025<\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>\u4e0a\u8ff0\u8cc7\u6599\u6709\u53ef\u80fd\u56e0\u7e8c\u724c\u800c\u8b8a\u52d5\uff0c\u61c9\u4ee5<a href=\"https:\/\/www.cr.gov.hk\/en\/services\/money-lenders\/search\/licensee-search.htm\" target=\"_blank\" rel=\"noopener noreferrer\">\u9999\u6e2f\u516c\u53f8\u8a3b\u518a\u8655\u6700\u65b0\u6301\u724c\u653e\u50b5\u4eba\u7d00\u9304<\/a>\u70ba\u6e96\u3002GICL\u70ba\u4e0a\u8ff0\u76f8\u95dc\u516c\u53f8\u7684\u54c1\u724c\u540d\u7a31\uff0c\u5be6\u969b\u63d0\u4f9b\u8cb8\u6b3e\u7684\u6cd5\u4eba\u5be6\u9ad4\u61c9\u4ee5\u6b63\u5f0f\u8cb8\u6b3e\u6587\u4ef6\u70ba\u6e96\u3002<\/p>\n<p><strong>\u5fe0\u544a\uff1a\u501f\u9322\u6897\u8981\u9084\uff0c\u54aa\u4ffe\u9322\u4e2d\u4ecb\u3002<\/strong><\/p>\n<p>\u6295\u8a34\u53ca\u67e5\u8a62\u71b1\u7dda\uff1a2111 0998<\/p>\n<h3>\u8cc7\u6599\u4f86\u6e90\u8207\u6838\u5be6\u4f9d\u64da<\/h3>\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\u6700\u65b0\u9069\u7528\u5be9\u614e\u63aa\u65bd<\/a><\/p>\n<\/li>\n<li>\n<p><a href=\"https:\/\/brdr.hkma.gov.hk\/eng\/doc-ldg\/docId\/20241119-2-EN\" target=\"_blank\" rel=\"noopener noreferrer\">\u9999\u6e2f\u91d1\u878d\u7ba1\u7406\u5c40\uff1a2024\u5e7410\u670816\u65e5\u7269\u696d\u6309\u63ed\u5be9\u614e\u63aa\u65bd\u901a\u51fd<\/a><\/p>\n<\/li>\n<li>\n<p><a href=\"https:\/\/www.cr.gov.hk\/en\/faq\/local-company\/reg-charge-discharge.htm\" target=\"_blank\" rel=\"noopener noreferrer\">\u9999\u6e2f\u516c\u53f8\u8a3b\u518a\u8655\uff1a\u300a\u516c\u53f8\u689d\u4f8b\u300b\u62bc\u8a18\u767b\u8a18\u5e38\u898b\u554f\u984c<\/a><\/p>\n<\/li>\n<li>\n<p><a href=\"https:\/\/www.landreg.gov.hk\/en\/services\/services_a_1.htm\" target=\"_blank\" rel=\"noopener noreferrer\">\u9999\u6e2f\u571f\u5730\u8a3b\u518a\u8655\uff1a\u5951\u64da\u8a3b\u518a\u53ca\u571f\u5730\u67e5\u518a<\/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\">\u9999\u6e2f\u516c\u53f8\u8a3b\u518a\u8655\uff1a\u6301\u724c\u653e\u50b5\u4eba\u5b98\u65b9\u540d\u55ae<\/a><\/p>\n<\/li>\n<li>\n<p><a href=\"https:\/\/www.cr.gov.hk\/en\/services\/money-lenders\/governing-borrowers.htm\" target=\"_blank\" rel=\"noopener noreferrer\">\u9999\u6e2f\u516c\u53f8\u8a3b\u518a\u8655\uff1a\u300a\u653e\u50b5\u4eba\u689d\u4f8b\u300b\u53ca\u76e3\u7ba1\u6a5f\u69cb<\/a><\/p>\n<\/li>\n<li>\n<p>GICL\u5b98\u65b9\u516c\u53f8\u6309\u63ed\u670d\u52d9\u8cc7\u6599\u53ca\u6307\u5b9a\u7522\u54c1\u8aaa\u660e\u3002<\/p>\n<\/li>\n<\/ol>\n<p><strong>\u6cd5\u898f\u53ca\u8cc7\u6599\u6838\u5c0d\u65e5\u671f\uff1a<\/strong> 2026\u5e7410\u670826\u65e5<\/p>\n<p><strong>\u514d\u8cac\u8072\u660e\uff1a<\/strong> \u672c\u6587\u63d0\u4f9b\u4e00\u822c\u516c\u53f8\u7269\u696d\u878d\u8cc7\u8cc7\u8a0a\uff0c\u4e0d\u69cb\u6210\u8cb8\u6b3e\u6279\u6838\u3001\u6cd5\u5f8b\u3001\u7a05\u52d9\u6216\u8ca1\u52d9\u5efa\u8b70\u3002\u6240\u6709\u7533\u8acb\u689d\u4ef6\u4ee5\u8cb8\u6b3e\u6a5f\u69cb\u7684\u6700\u7d42\u6c7a\u5b9a\u53ca\u6b63\u5f0f\u66f8\u9762\u6587\u4ef6\u70ba\u6e96\u3002<\/p>","protected":false},"excerpt":{"rendered":"<p>\u516c\u53f8\u6309\u63ed2026\uff1a\u6709\u9650\u516c\u53f8\u540d\u7fa9\u6301\u6709\u7269\u696d\u5982\u4f55\u7533\u8acb\u6309\u63ed\uff1f\u6210\u6578\u3001\u6587\u4ef6\u3001\u64d4\u4fdd\u53ca\u6d41\u7a0b\u5168\u6307\u5357 \u6709\u9650\u516c\u53f8\u540d\u7fa9\u6301\u6709\u7269\u696d\uff0c\u53ef\u4ee5\u7533 [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":8184,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[48],"tags":[],"class_list":["post-8185","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\/8185","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=8185"}],"version-history":[{"count":1,"href":"https:\/\/gicl.com.hk\/en\/wp-json\/wp\/v2\/posts\/8185\/revisions"}],"predecessor-version":[{"id":8186,"href":"https:\/\/gicl.com.hk\/en\/wp-json\/wp\/v2\/posts\/8185\/revisions\/8186"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/gicl.com.hk\/en\/wp-json\/wp\/v2\/media\/8184"}],"wp:attachment":[{"href":"https:\/\/gicl.com.hk\/en\/wp-json\/wp\/v2\/media?parent=8185"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/gicl.com.hk\/en\/wp-json\/wp\/v2\/categories?post=8185"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/gicl.com.hk\/en\/wp-json\/wp\/v2\/tags?post=8185"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}