按揭小百科 黄咏欣 - 香港地產新聞 - House730 https://www.house730.com/news House730搵樓大本營是香港至全面的網上搵樓平台，齊集香港、九龍及新界租盤，一二手私人住宅、居屋、村屋、工商廈、寫字樓及店舖，各類放租物業供你選擇，讓你網上租樓、買樓或放盤更輕鬆！ Wed, 03 Jan 2024 02:00:15 +0000 zh-Hans hourly 1 https://wordpress.org/?v=6.6.2 【专才置业按揭攻略】来港买楼税项及按揭注意事项 https://www.house730.com/news/cn/532616/%e5%b0%88%e6%89%8d%e7%bd%ae%e6%a5%ad%e6%8c%89%e6%8f%ad%e6%94%bb%e7%95%a5%e4%be%86%e6%b8%af%e8%b2%b7%e6%a8%93%e7%a8%85%e9%a0%85%e5%8f%8a%e6%8c%89%e6%8f%ad%e6%b3%a8%e6%84%8f%e4%ba%8b%e9%a0%85/ Tue, 09 Jan 2024 02:00:00 +0000 https://www.house730.com/news/?p=532616 ...

The post 【专才置业按揭攻略】来港买楼税项及按揭注意事项 first appeared on 香港地產新聞 - House730.

]]> 楼价跌幅已足以抵销加息的影响？ https://www.house730.com/news/cn/532572/%e6%a8%93%e5%83%b9%e8%b7%8c%e5%b9%85%e5%b7%b2%e8%b6%b3%e4%bb%a5%e6%8a%b5%e9%8a%b7%e5%8a%a0%e6%81%af%e7%9a%84%e5%bd%b1%e9%9f%bf/ Tue, 26 Dec 2023 03:05:00 +0000 https://www.house730.com/news/?p=532572 ...

The post 楼价跌幅已足以抵销加息的影响？ first appeared on 香港地產新聞 - House730.

]]> 负资产会引发Call loan吗？如何应对？ https://www.house730.com/news/cn/532535/%e8%b2%a0%e8%b3%87%e7%94%a2%e6%9c%83%e5%bc%95%e7%99%bccall-loan%e5%97%8e%e5%a6%82%e4%bd%95%e6%87%89%e5%b0%8d/ Tue, 19 Dec 2023 02:00:00 +0000 https://www.house730.com/news/?p=532535 ...

The post 负资产会引发Call loan吗？如何应对？ first appeared on 香港地產新聞 - House730.

]]> 经营小生意或自雇人士的按揭陷阱 https://www.house730.com/news/cn/532465/%e7%b6%93%e7%87%9f%e5%b0%8f%e7%94%9f%e6%84%8f%e6%88%96%e8%87%aa%e5%83%b1%e4%ba%ba%e5%a3%ab%e7%9a%84%e6%8c%89%e6%8f%ad%e9%99%b7%e9%98%b1/ Tue, 05 Dec 2023 02:00:00 +0000 https://www.house730.com/news/?p=532465 ...

The post 经营小生意或自雇人士的按揭陷阱 first appeared on 香港地產新聞 - House730.

]]> 【人生胜利组】大幅加薪，税单未反映加幅，能以最新入息申请按揭吗？ https://www.house730.com/news/cn/532236/%e4%ba%ba%e7%94%9f%e5%8b%9d%e5%88%a9%e7%b5%84%e5%a4%a7%e5%b9%85%e5%8a%a0%e8%96%aa%e7%a8%85%e5%96%ae%e6%9c%aa%e5%8f%8d%e6%98%a0%e5%8a%a0%e5%b9%85%e8%83%bd%e4%bb%a5%e6%9c%80%e6%96%b0%e5%85%a5%e6%81%af/ Tue, 31 Oct 2023 02:00:00 +0000 https://www.house730.com/news/?p=532236 ...

The post 【人生胜利组】大幅加薪，税单未反映加幅，能以最新入息申请按揭吗？ first appeared on 香港地產新聞 - House730.

]]> 药房主管薪金於疫后「复常」增3 倍 银行质疑造假拒批按揭？ https://www.house730.com/news/cn/532032/%e8%97%a5%e6%88%bf%e4%b8%bb%e7%ae%a1%e8%96%aa%e9%87%91%e6%96%bc%e7%96%ab%e5%be%8c%e5%be%a9%e5%b8%b8%e5%a2%9e3-%e5%80%8d-%e9%8a%80%e8%a1%8c%e8%b3%aa%e7%96%91%e9%80%a0%e5%81%87%e6%8b%92%e6%89%b9/ Tue, 03 Oct 2023 02:00:00 +0000 https://www.house730.com/news/?p=532032 ...

The post 药房主管薪金於疫后「复常」增3 倍 银行质疑造假拒批按揭？ first appeared on 香港地產新聞 - House730.

]]> 离婚后获前夫「无条件」转让物业 为何转售或按揭套现皆遇阻？ https://www.house730.com/news/cn/531993/%e9%9b%a2%e5%a9%9a%e5%be%8c%e7%8d%b2%e5%89%8d%e5%a4%ab%e7%84%a1%e6%a2%9d%e4%bb%b6%e8%bd%89%e8%ae%93%e7%89%a9%e6%a5%ad-%e7%82%ba%e4%bd%95%e8%bd%89%e5%94%ae%e6%88%96%e6%8c%89%e6%8f%ad%e5%a5%97%e7%8f%be/ Tue, 26 Sep 2023 03:00:00 +0000 https://www.house730.com/news/?p=531993 ...

The post 离婚后获前夫「无条件」转让物业 为何转售或按揭套现皆遇阻？ first appeared on 香港地產新聞 - House730.

]]> 【实例拆解】医管局员工置业贷款压力测试及贷款年期计算方法 https://www.house730.com/news/cn/531745/%e5%af%a6%e4%be%8b%e6%8b%86%e8%a7%a3%e9%86%ab%e7%ae%a1%e5%b1%80%e5%93%a1%e5%b7%a5%e7%bd%ae%e6%a5%ad%e8%b2%b8%e6%ac%be%e5%a3%93%e5%8a%9b%e6%b8%ac%e8%a9%a6%e5%8f%8a%e8%b2%b8%e6%ac%be%e5%b9%b4%e6%9c%9f/ Tue, 29 Aug 2023 02:00:00 +0000 https://www.house730.com/news/?p=531745 ...

The post 【实例拆解】医管局员工置业贷款压力测试及贷款年期计算方法 first appeared on 香港地產新聞 - House730.

]]> 医管局员工置业贷款 如何计算才最划算？ https://www.house730.com/news/cn/531697/%e9%86%ab%e7%ae%a1%e5%b1%80%e5%93%a1%e5%b7%a5%e7%bd%ae%e6%a5%ad%e8%b2%b8%e6%ac%be-%e5%a6%82%e4%bd%95%e8%a8%88%e7%ae%97%e6%89%8d%e6%9c%80%e5%88%92%e7%ae%97/ Tue, 22 Aug 2023 02:00:00 +0000 https://www.house730.com/news/?p=531697 医管局员工置业贷款计划（Enhanced HLISS）已陆续发出原则上批准书(AIP)，亦有两间大型银行接受相关按揭申请，一二手物业及转按皆适用。这个医管局员工置业贷款计划与一般银行按揭计划有何不同？要注意甚麽？息率低见1厘固然吸引，但实际供款真的少了吗？申请上困难吗？如何才取得最多优惠？

The post 医管局员工置业贷款 如何计算才最划算？ first appeared on 香港地產新聞 - House730.

]]> 有外地犯罪纪录，会影响本地按揭审批？ https://www.house730.com/news/cn/531651/%e6%9c%89%e5%a4%96%e5%9c%b0%e7%8a%af%e7%bd%aa%e7%b4%80%e9%8c%84%e6%9c%83%e5%bd%b1%e9%9f%bf%e6%9c%ac%e5%9c%b0%e6%8c%89%e6%8f%ad%e5%af%a9%e6%89%b9/ Tue, 15 Aug 2023 01:55:10 +0000 https://www.house730.com/news/?p=531651 不少人也知道曾经破产、撇帐或信贷纪录太差，例如H级或以下，如想申请按揭难度会较高。不过，原来不单单信贷纪录会影响按揭审批，有金钱相关的犯罪纪录、曾有洗黑钱纪录等等，都会成为按揭批核的障碍。

The post 有外地犯罪纪录，会影响本地按揭审批？ first appeared on 香港地產新聞 - House730.

]]> 高成数按揭出租陷阱 及早转按免犯法 https://www.house730.com/news/cn/531479/%e9%ab%98%e6%88%90%e6%95%b8%e6%8c%89%e6%8f%ad%e5%87%ba%e7%a7%9f%e9%99%b7%e9%98%b1-%e5%8f%8a%e6%97%a9%e8%bd%89%e6%8c%89%e5%85%8d%e7%8a%af%e6%b3%95/ Tue, 01 Aug 2023 01:22:00 +0000 https://www.house730.com/news/?p=531479 ...

The post 高成数按揭出租陷阱 及早转按免犯法 first appeared on 香港地產新聞 - House730.

]]> 【新盘按揭难题】发展商优惠要扣减按揭金额？影响按揭成数？ https://www.house730.com/news/cn/531237/%e6%96%b0%e7%9b%a4%e6%8c%89%e6%8f%ad%e9%9b%a3%e9%a1%8c%e7%99%bc%e5%b1%95%e5%95%86%e5%84%aa%e6%83%a0%e8%a6%81%e6%89%a3%e6%b8%9b%e6%8c%89%e6%8f%ad%e9%87%91%e9%a1%8d%e5%bd%b1%e9%9f%bf%e6%8c%89%e6%8f%ad/ Tue, 04 Jul 2023 01:00:00 +0000 https://www.house730.com/news/?p=531237 近年不少新盘都会有不同的折扣优惠，部分可高达楼价的20%，於申请做按揭时，银行一般会要求以扣减发展商优惠后的「折实价」，即俗称的光猪价，去计算按揭成数，如果购入前未计算清楚，或会出现「失预算」的情况。

The post 【新盘按揭难题】发展商优惠要扣减按揭金额？影响按揭成数？ first appeared on 香港地產新聞 - House730.

]]> 加息，但转按现金回赠创新高，现在是转按好时机吗？ https://www.house730.com/news/cn/531075/%e5%8a%a0%e6%81%af%e4%bd%86%e8%bd%89%e6%8c%89%e7%8f%be%e9%87%91%e5%9b%9e%e8%b4%88%e5%89%b5%e6%96%b0%e9%ab%98%e7%8f%be%e5%9c%a8%e6%98%af%e8%bd%89%e6%8c%89%e5%a5%bd%e6%99%82%e6%a9%9f%e5%97%8e/ Tue, 27 Jun 2023 01:00:00 +0000 https://www.house730.com/news/?p=531075 ...

The post 加息，但转按现金回赠创新高，现在是转按好时机吗？ first appeared on 香港地產新聞 - House730.

]]> 找到高入息按揭担保人，便能万无一失？ https://www.house730.com/news/cn/531037/%e6%89%be%e5%88%b0%e9%ab%98%e5%85%a5%e6%81%af%e6%8c%89%e6%8f%ad%e6%93%94%e4%bf%9d%e4%ba%ba%e4%be%bf%e8%83%bd%e8%90%ac%e7%84%a1%e4%b8%80%e5%a4%b1/ Thu, 22 Jun 2023 02:00:00 +0000 https://www.house730.com/news/?p=531037 ...

The post 找到高入息按揭担保人，便能万无一失？ first appeared on 香港地產新聞 - House730.

]]> 「事故」发生在大厦公家地方，会否变「事故单位」？会否影响按揭审批？ https://www.house730.com/news/cn/531029/%e4%ba%8b%e6%95%85%e7%99%bc%e7%94%9f%e5%9c%a8%e5%a4%a7%e5%bb%88%e5%85%ac%e5%ae%b6%e5%9c%b0%e6%96%b9%e6%9c%83%e5%90%a6%e8%ae%8a%e4%ba%8b%e6%95%85%e5%96%ae%e4%bd%8d%e6%9c%83%e5%90%a6%e5%bd%b1%e9%9f%bf/ Tue, 20 Jun 2023 01:00:00 +0000 https://www.house730.com/news/?p=531029 近日有一套电影讲述在大厦走廊发现「死屍」，由於担心单位变成「凶宅」(事故单位)，楼价大跌 ，全座大厦的人合力想运走该「死者」而引发一堆笑料。其实现实中，如果「事故」不是於单位内发生，算不算事故单位呢？真的会影响到按揭审批吗？

The post 「事故」发生在大厦公家地方，会否变「事故单位」？会否影响按揭审批？ first appeared on 香港地產新聞 - House730.

]]> 担保人除了担保入息外，还可以是年龄上的担保？ https://www.house730.com/news/cn/530829/%e6%93%94%e4%bf%9d%e4%ba%ba%e9%99%a4%e4%ba%86%e6%93%94%e4%bf%9d%e5%85%a5%e6%81%af%e5%a4%96%e9%82%84%e5%8f%af%e4%bb%a5%e6%98%af%e5%b9%b4%e9%bd%a1%e4%b8%8a%e7%9a%84%e6%93%94%e4%bf%9d/ Tue, 06 Jun 2023 02:00:00 +0000 https://www.house730.com/news/?p=530829 ...

The post 担保人除了担保入息外，还可以是年龄上的担保？ first appeared on 香港地產新聞 - House730.

]]> 【公务员注意】部分薪金津贴 做按揭时或不计每月入息！ https://www.house730.com/news/cn/530760/%e5%85%ac%e5%8b%99%e5%93%a1%e6%b3%a8%e6%84%8f%e9%83%a8%e5%88%86%e8%96%aa%e9%87%91%e6%b4%a5%e8%b2%bc-%e5%81%9a%e6%8c%89%e6%8f%ad%e6%99%82%e6%88%96%e4%b8%8d%e8%a8%88%e6%af%8f%e6%9c%88%e5%85%a5%e6%81%af/ Tue, 30 May 2023 02:00:00 +0000 https://www.house730.com/news/?p=530760 ...

The post 【公务员注意】部分薪金津贴 做按揭时或不计每月入息！ first appeared on 香港地產新聞 - House730.

]]> 绿置居2022拣楼在即，没有入息证明，能获批按揭吗？ https://www.house730.com/news/cn/530693/%e7%b6%a0%e7%bd%ae%e5%b1%852022%e6%8f%80%e6%a8%93%e5%9c%a8%e5%8d%b3%e6%b2%92%e6%9c%89%e5%85%a5%e6%81%af%e8%ad%89%e6%98%8e%e8%83%bd%e7%8d%b2%e6%89%b9%e6%8c%89%e6%8f%ad%e5%97%8e/ Tue, 23 May 2023 02:00:00 +0000 https://www.house730.com/news/?p=530693 ...

The post 绿置居2022拣楼在即，没有入息证明，能获批按揭吗？ first appeared on 香港地產新聞 - House730.

]]> 选用新盘先住后付计划 做按揭时或会影响「借唔足」？ https://www.house730.com/news/cn/530623/%e9%81%b8%e7%94%a8%e6%96%b0%e7%9b%a4%e5%85%88%e4%bd%8f%e5%be%8c%e4%bb%98%e8%a8%88%e5%8a%83-%e5%81%9a%e6%8c%89%e6%8f%ad%e6%99%82%e6%88%96%e6%9c%83%e5%bd%b1%e9%9f%bf%e5%80%9f%e5%94%94%e8%b6%b3/ Tue, 16 May 2023 02:00:00 +0000 https://www.house730.com/news/?p=530623 ...

The post 选用新盘先住后付计划 做按揭时或会影响「借唔足」？ first appeared on 香港地產新聞 - House730.

]]> 新盘设按揭利息保障，足以抵消加息影响？ https://www.house730.com/news/cn/530581/%e6%96%b0%e7%9b%a4%e8%a8%ad%e6%8c%89%e6%8f%ad%e5%88%a9%e6%81%af%e4%bf%9d%e9%9a%9c%e8%b6%b3%e4%bb%a5%e6%8a%b5%e6%b6%88%e5%8a%a0%e6%81%af%e5%bd%b1%e9%9f%bf/ Tue, 09 May 2023 02:00:00 +0000 https://www.house730.com/news/?p=530581 ...

The post 新盘设按揭利息保障，足以抵消加息影响？ first appeared on 香港地產新聞 - House730.

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