转按 - 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, 04 Jul 2025 07:05:55 +0000 zh-Hans hourly 1 https://wordpress.org/?v=6.6.2 H按息下跌 为何转按诱因仍不大 (下) https://www.house730.com/news/cn/1012889/h%e6%8c%89%e6%81%af%e4%b8%8b%e8%b7%8c-%e4%b8%ba%e4%bd%95%e8%bd%ac%e6%8c%89%e8%af%b1%e5%9b%a0%e4%bb%8d%e4%b8%8d%e5%a4%a7-%e4%b8%8b/ Fri, 04 Jul 2025 05:30:20 +0000 https://www.house730.com/news/1012889/h%e6%8c%89%e6%81%af%e4%b8%8b%e8%b7%8c-%e4%b8%ba%e4%bd%95%e8%bd%ac%e6%8c%89%e8%af%b1%e5%9b%a0%e4%bb%8d%e4%b8%8d%e5%a4%a7-%e4%b8%8b/ 上期提及，尽管自今年5月起H按息下跌，转按诱因却未有显着增加，当中原因包括转按后之按揭计划息率可能较逊，而H按使用率已高於9成，P按转H按需求不大。本文再续说其他因由。

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]]> 按息下跌 为何转按诱因仍不大 (上) https://www.house730.com/news/cn/1012451/%e6%8c%89%e6%81%af%e4%b8%8b%e8%b7%8c-%e4%b8%ba%e4%bd%95%e8%bd%ac%e6%8c%89%e8%af%b1%e5%9b%a0%e4%bb%8d%e4%b8%8d%e5%a4%a7-%e4%b8%8a/ Thu, 12 Jun 2025 08:08:35 +0000 https://www.house730.com/news/1012451/%e6%8c%89%e6%81%af%e4%b8%8b%e8%b7%8c-%e4%b8%ba%e4%bd%95%e8%bd%ac%e6%8c%89%e8%af%b1%e5%9b%a0%e4%bb%8d%e4%b8%8d%e5%a4%a7-%e4%b8%8a/ 今年自5月起资金流入本港推高银行体系结余令银行同业拆息HIBOR大幅下跌，与楼按相关的1个月拆息由5月初3.98%下跌至最近0.55%(6月10日)，以市场H按息H+1.3% (封顶息率P-1.75%; P:5.25%)计，H按实际息率由封顶息率水平3.5%一度降至约1.85%，跌幅达1.65厘，业主供楼金额得而减轻。然而，尽管按息大幅下跌，转按诱因却未有显着增加，原因为何?

The post 按息下跌 为何转按诱因仍不大 (上) 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.

]]> 转按数字急增 加息期下加按套息仍有着数 https://www.house730.com/news/cn/532165/%e8%bd%89%e6%8c%89%e6%95%b8%e5%ad%97%e6%80%a5%e5%a2%9e-%e5%8a%a0%e6%81%af%e6%9c%9f%e4%b8%8b%e5%8a%a0%e6%8c%89%e5%a5%97%e6%81%af%e4%bb%8d%e6%9c%89%e8%91%97%e6%95%b8/ Wed, 18 Oct 2023 02:00:00 +0000 https://www.house730.com/news/?p=532165 ...

The post 转按数字急增 加息期下加按套息仍有着数 first appeared on 香港地產新聞 - House730.

]]> 放宽按揭系列(4) – 转按套现水位提高 https://www.house730.com/news/cn/531610/%e6%94%be%e5%af%ac%e6%8c%89%e6%8f%ad%e7%b3%bb%e5%88%974-%e8%bd%89%e6%8c%89%e5%a5%97%e7%8f%be%e6%b0%b4%e4%bd%8d%e6%8f%90%e9%ab%98/ Sat, 12 Aug 2023 02:00:00 +0000 https://www.house730.com/news/?p=531610 ...

The post 放宽按揭系列(4) – 转按套现水位提高 first appeared on 香港地產新聞 - House730.

]]> 放宽按揭系列(3) – 高回赠令转按诱因增大 https://www.house730.com/news/cn/531551/%e6%94%be%e5%af%ac%e6%8c%89%e6%8f%ad%e7%b3%bb%e5%88%973-%e9%ab%98%e5%9b%9e%e8%b4%88%e4%bb%a4%e8%bd%89%e6%8c%89%e8%aa%98%e5%9b%a0%e5%a2%9e%e5%a4%a7/ Sat, 05 Aug 2023 02:00:00 +0000 https://www.house730.com/news/?p=531551 ...

The post 放宽按揭系列(3) – 高回赠令转按诱因增大 first appeared on 香港地產新聞 - House730.

]]> 放宽按揭释放多元配套(1) – 转按甩发展商按揭 https://www.house730.com/news/cn/531421/%e6%94%be%e5%af%ac%e6%8c%89%e6%8f%ad%e9%87%8b%e6%94%be%e5%a4%9a%e5%85%83%e9%85%8d%e5%a5%971-%e8%bd%89%e6%8c%89%e7%94%a9%e7%99%bc%e5%b1%95%e5%95%86%e6%8c%89%e6%8f%ad/ Sat, 22 Jul 2023 02:00:00 +0000 https://www.house730.com/news/?p=531421 ...

The post 放宽按揭释放多元配套(1) – 转按甩发展商按揭 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.

]]> 为何银行上调按息后转按仍吸引？ https://www.house730.com/news/cn/529077/%e7%82%ba%e4%bd%95%e9%8a%80%e8%a1%8c%e4%b8%8a%e8%aa%bf%e6%8c%89%e6%81%af%e5%be%8c%e8%bd%89%e6%8c%89%e4%bb%8d%e5%90%b8%e5%bc%95/ Sat, 24 Dec 2022 01:25:00 +0000 https://www.house730.com/news/?p=529077 上期提及最近银行已接连上调新造按息,例如由P-2.5%调整至P-2.25% (有关P现为5.625%)，按揭计划之实际息率便由3.125%上升至3.375%; 换言之,若按揭用家现时以旧有按揭计划之息率供楼, 照道理不会希望转按,因为息率较高、利息支出较多。然而,即使转按诱因减少的时期,市场上仍始终有一定之转按需求,转按登记仍占市场达2成或以上,原因何在?

The post 为何银行上调按息后转按仍吸引？ first appeared on 香港地產新聞 - House730.

]]> 转按新增银行直接过数安排 更高效保障更大 https://www.house730.com/news/cn/526997/%e8%bd%89%e6%8c%89%e6%96%b0%e5%a2%9e%e9%8a%80%e8%a1%8c%e7%9b%b4%e6%8e%a5%e9%81%8e%e6%95%b8%e5%ae%89%e6%8e%92-%e6%9b%b4%e9%ab%98%e6%95%88%e4%bf%9d%e9%9a%9c%e6%9b%b4%e5%a4%a7/ Sat, 30 Jul 2022 01:31:00 +0000 https://www.house730.com/news/?p=526997 过去曾有律师行因涉嫌违返规则等问题而被律师会介入接管，而有关律师行在物业买卖或承造按揭流程代为托管的资金遭冻结，令客户面临交易中断、又或金额未能按照合约过数之违约风险。为避免再次出现上述情况，去年金管局已着手建议就物业买卖或按揭交易新增银行之间直接过数安排。

The post 转按新增银行直接过数安排 更高效保障更大 first appeared on 香港地產新聞 - House730.

]]> 加息周期杀到 供楼悭息两大攻略 https://www.house730.com/news/cn/526922/%e5%8a%a0%e6%81%af%e5%91%a8%e6%9c%9f%e6%ae%ba%e5%88%b0-%e4%be%9b%e6%a8%93%e6%85%b3%e6%81%af%e5%85%a9%e5%a4%a7%e6%94%bb%e7%95%a5/ Tue, 26 Jul 2022 04:30:00 +0000 https://www.house730.com/news/?p=526922 美国联储局於六月中罕有地大幅加息0.75厘，创28年以来最大加幅，香港银行仍然纹风不动，分别维持最优惠利率的「大细P」於5.25及5厘。虽然，不少市场人士预计，最优惠利率在年尾才上调，但与供楼相关的香港银行同业拆息(Hibor)，一个月期最近一度升至0.6厘附近，在九成多上车客利用「H按」借钱买楼的背景下，如果拆息持续抽升，供楼负担难免会增加。到底在息口上升周期，供楼人士有何悭息妙法？

The post 加息周期杀到 供楼悭息两大攻略 first appeared on 香港地產新聞 - House730.

]]> 按揭现金回赠增，善用转按自制免息供楼可行吗？ https://www.house730.com/news/cn/526489/%e6%8c%89%e6%8f%ad%e7%8f%be%e9%87%91%e5%9b%9e%e8%b4%88%e5%a2%9e%e5%96%84%e7%94%a8%e8%bd%89%e6%8c%89%e8%87%aa%e5%88%b6%e5%85%8d%e6%81%af%e4%be%9b%e6%a8%93%e5%8f%af%e8%a1%8c%e5%97%8e/ Tue, 05 Jul 2022 01:44:08 +0000 https://www.house730.com/news/?p=526489 早於数年前，坊间一度流行「免息供楼法」，操作原理是每两年一过银行按揭罚息期便做「转按」，以赚取银行现金回赠以抵销部分供楼利息开支，同时亦可考虑把楼价升值部分套现再作投资之用。不过，前两年银行把曾经大减按揭现金回赠，最低时降至不到1%，令到转按悭息方法一度不太可行，直至近期银行又再上调转按现金回赠至高达贷款额的1.5%，加上银行有「估凸价」的情况，现时是否再行「免息供楼法」的良机？

The post 按揭现金回赠增，善用转按自制免息供楼可行吗？ first appeared on 香港地產新聞 - House730.

]]> 【按揭小百科】转按甩按保 出租无烦恼 https://www.house730.com/news/cn/524363/%e6%8c%89%e6%8f%ad%e5%b0%8f%e7%99%be%e7%a7%91%e8%bd%89%e6%8c%89%e7%94%a9%e6%8c%89%e4%bf%9d-%e5%87%ba%e7%a7%9f%e7%84%a1%e7%85%a9%e6%83%b1/ Fri, 04 Feb 2022 08:44:11 +0000 https://www.house730.com/news/?p=524363 不少人买入第一个物业时，都只求「银码细」，面积小一点都没所谓，最重要是能申请90%高成数按揭，以最少的资金「上车」，但是若然日后结婚及有小朋友后，居所面积不够，以伴侣名义另外再买入大单位自住，而原有单位又已升值至贷款金额不多於最新市值的一半，是否代表可放心出租呢？

The post 【按揭小百科】转按甩按保 出租无烦恼 first appeared on 香港地產新聞 - House730.

]]> 未补地价公居屋 转按加按限制多 https://www.house730.com/news/cn/523421/%e6%9c%aa%e8%a3%9c%e5%9c%b0%e5%83%b9%e5%85%ac%e5%b1%85%e5%b1%8b-%e8%bd%89%e6%8c%89%e5%8a%a0%e6%8c%89%e9%99%90%e5%88%b6%e5%a4%9a/ Thu, 18 Nov 2021 04:30:00 +0000 https://www.house730.com/news/?p=523421 ...

The post 未补地价公居屋 转按加按限制多 first appeared on 香港地產新聞 - House730.

]]> 8月银行转按创20个月新高 https://www.house730.com/news/cn/522675/8%e6%9c%88%e9%8a%80%e8%a1%8c%e8%bd%89%e6%8c%89%e5%89%b520%e5%80%8b%e6%9c%88%e6%96%b0%e9%ab%98/ Mon, 20 Sep 2021 04:08:55 +0000 https://www.house730.com/news/?p=522675 ...

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]]> 【按揭小百科】凭记忆乱填供楼利息 转按被拒 兼涉犯法？ https://www.house730.com/news/cn/522464/%e6%8c%89%e6%8f%ad%e5%b0%8f%e7%99%be%e7%a7%91%e6%86%91%e8%a8%98%e6%86%b6%e4%ba%82%e5%a1%ab%e4%be%9b%e6%a8%93%e5%88%a9%e6%81%af-%e8%bd%89%e6%8c%89%e8%a2%ab%e6%8b%92-%e5%85%bc%e6%b6%89%e7%8a%af%e6%b3%95/ Thu, 09 Sep 2021 00:30:00 +0000 https://www.house730.com/news/?p=522464 ...

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]]> 【说楼解按】谈转按4 – P按转低息H按 https://www.house730.com/news/cn/522224/%e8%aa%aa%e6%a8%93%e8%a7%a3%e6%8c%89%e8%ab%87%e8%bd%89%e6%8c%894-p%e6%8c%89%e8%bd%89%e4%bd%8e%e6%81%afh%e6%8c%89/ Sat, 28 Aug 2021 08:00:00 +0000 https://www.house730.com/news/?p=522224 ...

The post 【说楼解按】谈转按4 – P按转低息H按 first appeared on 香港地產新聞 - House730.

]]> 【按揭小百科】扮银行转按骗取近千万 如何提防骗子？ https://www.house730.com/news/cn/522184/%e6%8c%89%e6%8f%ad%e5%b0%8f%e7%99%be%e7%a7%91%e6%89%ae%e9%8a%80%e8%a1%8c%e8%bd%89%e6%8c%89%e9%a8%99%e5%8f%96%e8%bf%91%e5%8d%83%e8%90%ac-%e5%a6%82%e4%bd%95%e6%8f%90%e9%98%b2%e9%a8%99%e5%ad%90/ Wed, 25 Aug 2021 05:30:00 +0000 https://www.house730.com/news/?p=522184 ...

The post 【按揭小百科】扮银行转按骗取近千万 如何提防骗子？ first appeared on 香港地產新聞 - House730.

]]> 【说楼解按】谈转按3 –甩担保人转按 https://www.house730.com/news/cn/522093/%e8%aa%aa%e6%a8%93%e8%a7%a3%e6%8c%89%e8%ab%87%e8%bd%89%e6%8c%893-%e7%94%a9%e6%93%94%e4%bf%9d%e4%ba%ba%e8%bd%89%e6%8c%89/ Sat, 21 Aug 2021 07:55:00 +0000 https://www.house730.com/news/?p=522093 ...

The post 【说楼解按】谈转按3 –甩担保人转按 first appeared on 香港地產新聞 - House730.

]]> 7月转按劲爆 套现大增33% https://www.house730.com/news/cn/522105/7%e6%9c%88%e8%bd%89%e6%8c%89%e5%8b%81%e7%88%86-%e5%a5%97%e7%8f%be%e5%a4%a7%e5%a2%9e33/ Fri, 20 Aug 2021 05:33:45 +0000 https://www.house730.com/news/?p=522105 ...

The post 7月转按劲爆 套现大增33% first appeared on 香港地產新聞 - House730.

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