王美凤 - 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！ Fri, 24 Oct 2025 06:06:22 +0000 zh-Hans hourly 1 https://wordpress.org/?v=6.6.2 用预估物业租金申请按揭? 入市前必先注意事项 https://www.house730.com/news/cn/1015147/%e7%94%a8%e9%a2%84%e4%bc%b0%e7%89%a9%e4%b8%9a%e7%a7%9f%e9%87%91%e7%94%b3%e8%af%b7%e6%8c%89%e6%8f%ad-%e5%85%a5%e5%b8%82%e5%89%8d%e5%bf%85%e5%85%88%e6%b3%a8%e6%84%8f%e4%ba%8b%e9%a1%b9/ Fri, 24 Oct 2025 04:31:18 +0000 https://www.house730.com/news/1015147/%e7%94%a8%e9%a2%84%e4%bc%b0%e7%89%a9%e4%b8%9a%e7%a7%9f%e9%87%91%e7%94%b3%e8%af%b7%e6%8c%89%e6%8f%ad-%e5%85%a5%e5%b8%82%e5%89%8d%e5%bf%85%e5%85%88%e6%b3%a8%e6%84%8f%e4%ba%8b%e9%a1%b9/ 上期提及银行可将租金之一个百分比列作按揭申请人的入息计，连租约物业可计租金高达70%至80%，未出租物业可按预估租值之60%至70%(个别高达80%)计作入息；本文继续提出按揭申请人需注意的地方。

The post 用预估物业租金申请按揭? 入市前必先注意事项 first appeared on 香港地產新聞 - House730.

]]> 何谓凶宅? 凶宅可做按揭吗？(下) https://www.house730.com/news/cn/1014535/%e4%bd%95%e8%b0%93%e5%87%b6%e5%ae%85-%e5%87%b6%e5%ae%85%e5%8f%af%e5%81%9a%e6%8c%89%e6%8f%ad%e5%90%97%ef%bc%9f%e4%b8%8b/ Fri, 19 Sep 2025 01:27:46 +0000 https://www.house730.com/news/1014535/%e4%bd%95%e8%b0%93%e5%87%b6%e5%ae%85-%e5%87%b6%e5%ae%85%e5%8f%af%e5%81%9a%e6%8c%89%e6%8f%ad%e5%90%97%ef%bc%9f%e4%b8%8b/ 上期提及凶宅并无官方定义以及银行对凶宅按揭的取态，今期再续。很多时，凶宅事故发生距今时间及是否曾转手亦会影响银行接受程度，例如一个二十多年前艺人跳楼单位，至今已成功转手数次，先后已有几户人家入住该单位，买家对单位之忌讳有所降低，故有银行愿意批出按揭。有些事故例如是自杀轻生、意外事故抢救无效等，若然未有被报导或纪录，银行内部未必已将单位列作凶宅名单，故上会未必受影响。

The post 何谓凶宅? 凶宅可做按揭吗？(下) first appeared on 香港地產新聞 - House730.

]]> 买银主盘前必先注意事项 https://www.house730.com/news/cn/1013966/%e4%b9%b0%e9%93%b6%e4%b8%bb%e7%9b%98%e5%89%8d%e5%bf%85%e5%85%88%e6%b3%a8%e6%84%8f%e4%ba%8b%e9%a1%b9/ Tue, 26 Aug 2025 05:58:20 +0000 https://www.house730.com/news/1013966/%e4%b9%b0%e9%93%b6%e4%b8%bb%e7%9b%98%e5%89%8d%e5%bf%85%e5%85%88%e6%b3%a8%e6%84%8f%e4%ba%8b%e9%a1%b9/ 银主盘给人错觉是难於承造按揭，买入银主盘同样可向银行申请承造按揭贷款，原则上跟一般按揭无异，银行审批银主盘同样是根据物业估值、买家还款能力及物业状况批出按揭，换言之，若果有关银主盘只属业主无力供楼交由银主变卖单位，而单位本身没有出现问题，银行可如常批出按揭贷款。

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]]> 按揭疑难 买无契楼好过半契楼? (下) https://www.house730.com/news/cn/1013799/%e6%8c%89%e6%8f%ad%e7%96%91%e9%9a%be-%e4%b9%b0%e6%97%a0%e5%a5%91%e6%a5%bc%e5%a5%bd%e8%bf%87%e5%8d%8a%e5%a5%91%e6%a5%bc-%e4%b8%8b-3/ Thu, 21 Aug 2025 01:55:45 +0000 https://www.house730.com/news/1013799/%e6%8c%89%e6%8f%ad%e7%96%91%e9%9a%be-%e4%b9%b0%e6%97%a0%e5%a5%91%e6%a5%bc%e5%a5%bd%e8%bf%87%e5%8d%8a%e5%a5%91%e6%a5%bc-%e4%b8%8b-3/ 上期提及，半契楼的卖方无法提供完整楼契予买方，基於没有楼契作抵押，银行不会愿意提供按揭贷款，故此买家基本上需有足够资金全数支付楼价。

The post 按揭疑难 买无契楼好过半契楼? (下) first appeared on 香港地產新聞 - House730.

]]> 高龄人士获批30年还款期有法 https://www.house730.com/news/cn/1013350/%e9%ab%98%e9%be%84%e4%ba%ba%e5%a3%ab%e8%8e%b7%e6%89%b930%e5%b9%b4%e8%bf%98%e6%ac%be%e6%9c%9f%e6%9c%89%e6%b3%95/ Mon, 28 Jul 2025 03:00:05 +0000 https://www.house730.com/news/1013350/%e9%ab%98%e9%be%84%e4%ba%ba%e5%a3%ab%e8%8e%b7%e6%89%b930%e5%b9%b4%e8%bf%98%e6%ac%be%e6%9c%9f%e6%9c%89%e6%b3%95/ 根据统计数字，近年借款人申请及银行批出之平均按揭年期维持约27年，对比十多年前平均按揭年期少於25年以及二十多年前平均按揭年期少於20年，反映近十年选用较长按揭年期的借款人占多，以选用30年及25年还款期为主流。选用较长按揭还款期的好处是，每月供楼金额相对较低，亦因而较易於通过银行审批之供款要求。

The post 高龄人士获批30年还款期有法 first appeared on 香港地產新聞 - House730.

]]> 按揭疑难 买无契楼好过半契楼? (上) https://www.house730.com/news/cn/1012991/%e6%8c%89%e6%8f%ad%e7%96%91%e9%9a%be-%e4%b9%b0%e6%97%a0%e5%a5%91%e6%a5%bc%e5%a5%bd%e8%bf%87%e5%8d%8a%e5%a5%91%e6%a5%bc-%e4%b8%8a/ Fri, 11 Jul 2025 02:42:12 +0000 https://www.house730.com/news/1012991/%e6%8c%89%e6%8f%ad%e7%96%91%e9%9a%be-%e4%b9%b0%e6%97%a0%e5%a5%91%e6%a5%bc%e5%a5%bd%e8%bf%87%e5%8d%8a%e5%a5%91%e6%a5%bc-%e4%b8%8a/ 自今年财案公布细价楼印花税优惠，$400万或以下物业之置业印花税降至仅$100，细价楼的交投显着增加；加上楼价处低位、市况回暖、近月转租为买及买楼收租的需求上升，进一步推动市场上出现中细价楼寻宝热。最近笔者在职公司有客户亦加入这股寻宝热潮，客户专门着手向一些低於市值的单位寻宝，她分别看中一个半契楼单位及一个无契楼单位，半契楼单位楼价折让更大，希望了解按揭申请事宜。

The post 按揭疑难 买无契楼好过半契楼? (上) first appeared on 香港地產新聞 - House730.

]]> 自雇人士出粮比自己 按揭审批是否可行? https://www.house730.com/news/cn/1011525/%e8%87%aa%e9%9b%87%e4%ba%ba%e5%a3%ab%e5%87%ba%e7%b2%ae%e6%af%94%e8%87%aa%e5%b7%b1-%e6%8c%89%e6%8f%ad%e5%ae%a1%e6%89%b9%e6%98%af%e5%90%a6%e5%8f%af%e8%a1%8c/ Wed, 30 Apr 2025 10:02:29 +0000 https://www.house730.com/news/1011525/%e8%87%aa%e9%9b%87%e4%ba%ba%e5%a3%ab%e5%87%ba%e7%b2%ae%e6%af%94%e8%87%aa%e5%b7%b1-%e6%8c%89%e6%8f%ad%e5%ae%a1%e6%89%b9%e6%98%af%e5%90%a6%e5%8f%af%e8%a1%8c/ 上期提及银行如何评估自雇人士的入息及还款能力，本文继续谈及有关不同情况。自雇人士以独资又或与合伙人共同经营业务，有时亦会按月出粮给自己，又或夹份做生意的会按月支薪; 对於按揭申请，有些银行亦可将此类薪金直接计作入息，但大前提是，自雇按揭申请人需额外提供薪俸税或个人入息税单、6个月银行户口出粮纪录以及强积金纪录，而有关公司在支出薪金及日常营运成本后，仍是有盈利，而非蚀住出粮。

The post 自雇人士出粮比自己 按揭审批是否可行? first appeared on 香港地產新聞 - House730.

]]> 拆解建期楼花买家获高达8成按揭之特别安排 https://www.house730.com/news/cn/1002754/%e6%8b%86%e8%a7%a3%e5%bb%ba%e6%9c%9f%e6%a5%bc%e8%8a%b1%e4%b9%b0%e5%ae%b6%e8%8e%b7%e9%ab%98%e8%be%be8%e6%88%90%e6%8c%89%e6%8f%ad%e4%b9%8b%e7%89%b9%e5%88%ab%e5%ae%89%e6%8e%92/ Sat, 07 Dec 2024 02:00:00 +0000 https://www.house730.com/news/1002754/%e6%8b%86%e8%a7%a3%e5%bb%ba%e6%9c%9f%e6%a5%bc%e8%8a%b1%e4%b9%b0%e5%ae%b6%e8%8e%b7%e9%ab%98%e8%be%be8%e6%88%90%e6%8c%89%e6%8f%ad%e4%b9%8b%e7%89%b9%e5%88%ab%e5%ae%89%e6%8e%92/ ...

The post 拆解建期楼花买家获高达8成按揭之特别安排 first appeared on 香港地產新聞 - House730.

]]> 按揭拖欠率稍升仍处低水平 https://www.house730.com/news/cn/1001258/%e6%8c%89%e6%8f%ad%e6%8b%96%e6%ac%a0%e7%8e%87%e7%a8%8d%e5%8d%87%e4%bb%8d%e5%a4%84%e4%bd%8e%e6%b0%b4%e5%b9%b3/ Fri, 22 Nov 2024 02:00:06 +0000 https://www.house730.com/news/1001258/%e6%8c%89%e6%8f%ad%e6%8b%96%e6%ac%a0%e7%8e%87%e7%a8%8d%e5%8d%87%e4%bb%8d%e5%a4%84%e4%bd%8e%e6%b0%b4%e5%b9%b3/ ...

The post 按揭拖欠率稍升仍处低水平 first appeared on 香港地產新聞 - House730.

]]> 楼按全放宽后 哪类人即时受惠？ (下) https://www.house730.com/news/cn/533909/%e6%a8%93%e6%8c%89%e5%85%a8%e6%94%be%e5%af%ac%e5%be%8c-%e5%93%aa%e9%a1%9e%e4%ba%ba%e5%8d%b3%e6%99%82%e5%8f%97%e6%83%a0-%e4%b8%8b/ Tue, 12 Nov 2024 02:00:00 +0000 https://www.house730.com/news/?p=533909 ...

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]]> 楼按全放宽后 哪类人即时受惠？ (上) https://www.house730.com/news/cn/533882/%e6%a8%93%e6%8c%89%e5%85%a8%e6%94%be%e5%af%ac%e5%be%8c-%e5%93%aa%e9%a1%9e%e4%ba%ba%e5%8d%b3%e6%99%82%e5%8f%97%e6%83%a0-%e4%b8%8a/ Sat, 02 Nov 2024 02:00:00 +0000 https://www.house730.com/news/?p=533882 ...

The post 楼按全放宽后 哪类人即时受惠？ (上) first appeared on 香港地產新聞 - House730.

]]> 买楼收租利好因素急增 租金80%可列作入息 https://www.house730.com/news/cn/533865/%e8%b2%b7%e6%a8%93%e6%94%b6%e7%a7%9f%e5%88%a9%e5%a5%bd%e5%9b%a0%e7%b4%a0%e6%80%a5%e5%a2%9e-%e7%a7%9f%e9%87%9180-%e5%8f%af%e5%88%97%e4%bd%9c%e5%85%a5%e6%81%af/ Sat, 26 Oct 2024 02:00:00 +0000 https://www.house730.com/news/?p=533865 ...

The post 买楼收租利好因素急增 租金80%可列作入息 first appeared on 香港地產新聞 - House730.

]]> 首期多少影响「供平过租」 多角度比较供楼租楼 (下) https://www.house730.com/news/cn/533855/%e9%a6%96%e6%9c%9f%e5%a4%9a%e5%b0%91%e5%bd%b1%e9%9f%bf%e4%be%9b%e5%b9%b3%e9%81%8e%e7%a7%9f-%e5%a4%9a%e8%a7%92%e5%ba%a6%e6%af%94%e8%bc%83%e4%be%9b%e6%a8%93%e7%a7%9f%e6%a8%93-%e4%b8%8b/ Thu, 24 Oct 2024 02:00:00 +0000 https://www.house730.com/news/?p=533855 ...

The post 首期多少影响「供平过租」 多角度比较供楼租楼 (下) first appeared on 香港地產新聞 - House730.

]]> 首期多少影响「供平过租」 多角度比较供楼租楼 (上) https://www.house730.com/news/cn/533834/%e9%a6%96%e6%9c%9f%e5%a4%9a%e5%b0%91%e5%bd%b1%e9%9f%bf%e4%be%9b%e5%b9%b3%e9%81%8e%e7%a7%9f-%e5%a4%9a%e8%a7%92%e5%ba%a6%e6%af%94%e8%bc%83%e4%be%9b%e6%a8%93%e7%a7%9f%e6%a8%93-%e4%b8%8a/ Sat, 12 Oct 2024 02:00:00 +0000 https://www.house730.com/news/?p=533834 ...

The post 首期多少影响「供平过租」 多角度比较供楼租楼 (上) first appeared on 香港地產新聞 - House730.

]]> 全新低息定按计划可预先享减息效果 https://www.house730.com/news/cn/533790/%e5%85%a8%e6%96%b0%e4%bd%8e%e6%81%af%e5%ae%9a%e6%8c%89%e8%a8%88%e5%8a%83%e5%8f%af%e9%a0%90%e5%85%88%e4%ba%ab%e6%b8%9b%e6%81%af%e6%95%88%e6%9e%9c/ Sat, 28 Sep 2024 02:00:00 +0000 https://www.house730.com/news/?p=533790 ...

The post 全新低息定按计划可预先享减息效果 first appeared on 香港地產新聞 - House730.

]]> 银行提早减P 供楼负担加快减轻 https://www.house730.com/news/cn/533754/%e9%8a%80%e8%a1%8c%e6%8f%90%e6%97%a9%e6%b8%9bp-%e4%be%9b%e6%a8%93%e8%b2%a0%e6%93%94%e5%8a%a0%e5%bf%ab%e6%b8%9b%e8%bc%95/ Sat, 21 Sep 2024 02:00:00 +0000 https://www.house730.com/news/?p=533754 ...

The post 银行提早减P 供楼负担加快减轻 first appeared on 香港地產新聞 - House730.

]]> 银行楼按积极性渐延伸至转按 https://www.house730.com/news/cn/533738/%e9%8a%80%e8%a1%8c%e6%a8%93%e6%8c%89%e7%a9%8d%e6%a5%b5%e6%80%a7%e6%bc%b8%e5%bb%b6%e4%bc%b8%e8%87%b3%e8%bd%89%e6%8c%89/ Wed, 18 Sep 2024 02:00:00 +0000 https://www.house730.com/news/?p=533738 ...

The post 银行楼按积极性渐延伸至转按 first appeared on 香港地產新聞 - House730.

]]> 银行楼按取态转积极 增买家入市信心 https://www.house730.com/news/cn/533718/%e9%8a%80%e8%a1%8c%e6%a8%93%e6%8c%89%e5%8f%96%e6%85%8b%e8%bd%89%e7%a9%8d%e6%a5%b5-%e5%a2%9e%e8%b2%b7%e5%ae%b6%e5%85%a5%e5%b8%82%e4%bf%a1%e5%bf%83/ Sat, 07 Sep 2024 02:00:00 +0000 https://www.house730.com/news/?p=533718 ...

The post 银行楼按取态转积极 增买家入市信心 first appeared on 香港地產新聞 - House730.

]]> 两星期内获银行批出按揭结果的关键是交齐文件 https://www.house730.com/news/cn/533706/%e5%85%a9%e6%98%9f%e6%9c%9f%e5%85%a7%e7%8d%b2%e9%8a%80%e8%a1%8c%e6%89%b9%e5%87%ba%e6%8c%89%e6%8f%ad%e7%b5%90%e6%9e%9c%e7%9a%84%e9%97%9c%e9%8d%b5%e6%98%af%e4%ba%a4%e9%bd%8a%e6%96%87%e4%bb%b6/ Sat, 31 Aug 2024 02:00:00 +0000 https://www.house730.com/news/?p=533706 ...

The post 两星期内获银行批出按揭结果的关键是交齐文件 first appeared on 香港地產新聞 - House730.

]]> 认识普及的「All monies」按揭契 对你有何影响？ (下) https://www.house730.com/news/cn/533691/%e8%aa%8d%e8%ad%98%e6%99%ae%e5%8f%8a%e7%9a%84all-monies%e6%8c%89%e6%8f%ad%e5%a5%91-%e5%b0%8d%e4%bd%a0%e6%9c%89%e4%bd%95%e5%bd%b1%e9%9f%bf-%e4%b8%8b/ Sat, 24 Aug 2024 02:00:00 +0000 https://www.house730.com/news/?p=533691 ...

The post 认识普及的「All monies」按揭契 对你有何影响？ (下) first appeared on 香港地產新聞 - House730.

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