• 繁體
  • English
  • 简体
  • About Us
  • Contact Us
  • Homepage
  • Mortgage Compass
  • Mortgage Tips
  • Non-regular salaried employee & requested for a 60% or below mortgage plan
  • Non-regular salaried employee & requested for Loan-to-Value (LTV) ratio above 60%
  • Privacy Policy & Personal Information Collection Statement
  • Property Valuation
  • Regular salaried employee & requested for a 60% or below mortgage plan
  • Regular salaried employee & requested for Loan-to-Value (LTV) ratio above 60%
  • Related Links
  • Self-employed person & requested for a 60% or below mortgage plan
  • Self-employed person & requested for Loan-to-Value (LTV) ratio above 60%
  • 繁體
  • English
  • 简体
利嘉閣按揭代理有限公司 Ricacorp Mortgage Agency Limited
  • Products
        • Hot Offers
          • Low Interest Rate Mortgage Plan
          • HOS Mortgage
          • WSM Mortgage
        • First Hand Properties
        • Second Hand Properties
        • Residential Property Offers
          • Remortgage & Second Mortgage
        • Personal Loan
        • Other Properties Offers
  • Rewards
    • Membership Benefits
    • Application Reward
    • 1st Hand Buyers Offer
  • Tools
    • Mortgage Tips
    • Calculator
    • Submortgage
    • Property Valuation
    • Mortgage Guide
    • Related Links
  • Apply Now
  • Latest News
    • First Hand Properties
    • News Channel
    • Mortgage Statistics
    • Market Research
    • Mortgage Tips and Tricks
  • Contact Us
  1. 利嘉閣按揭代理有限公司 Ricacorp Mortgage Agency Limited 利嘉閣按揭代理有限公司 Ricacorp Mortgage Agency Limited
  2. /
  3. 套現財技
  4.  (Page 1)

套現財技

當我們進一步向原銀行釐清該物業的尚餘按揭貸款額時,銀行方面竟然指出客戶的物業是跟其母親及其弟弟各自的物業合拼為一個按揭貸款去處理,屬於「捆綁式貸款」,其實基本上銀行較少用這種方法去處理住宅按揭,除非當中涉及到商業貸款。 WHAT'S NEW

【2024轉按攻略】「捆綁式貸款」能成功轉按套現嗎﹖

當我們進一步向原銀行釐清該物業的尚餘按揭貸款額時,銀行方面竟然指出客戶的物業是跟其母親及其...

閱讀更多
22.02.2024
於2022年加息周期開始前,於銀行存款可收利息不多,不少人為了賺取更高回報,保費融資 (Premium Financing)一度極為盛行。我們早前已經講解過有關做了保單融資對日後申請按揭的影響,但其實不單新造按揭要留意,連想做轉按一樣有可能受阻。 WHAT'S NEW

2024轉按要注意│做了多份保費融資  影響物業轉按申請?

於2022年加息周期開始前,於銀行存款可收利息不多,不少人為了賺取更高回報,保費融資 (P...

閱讀更多
22.12.2023
這個差距,在早前銀行按揭現金回贈曾一度高達3%時,對有意轉按套現作其他投資的人,仍然算是對沖到增加的成本。可是近日銀行的按揭現金回贈已跌至2%至2.2%的水平,轉按的吸引力,表面上是大減了,實際上,又是否真的無利可圖呢? WHAT'S NEW

【2024轉按攻略】加息周期下,轉按套現再置業,仍有利可圖嗎?

轉按的吸引力,表面上是大減了,實際上,又是否真的無利可圖呢?以太古城的個案做例子,於201...

閱讀更多
14.11.2023
WHAT'S NEW

專家樓評: 供樓如何善用物業套現?| 東方日報 | 黃詠欣

受新冠疫情反覆影響,不少家庭面對經濟困境時,會考慮透過物業加按套現去紓困。 如物業已按80...

閱讀更多
25.06.2022
專家樓評:抗衡「息魔」有妙法? WHAT'S NEW

供樓人士抗衡「息魔」有妙法?

美聯儲下周議息,市場預計6月和7月美國都會加息50個基點。港美息差擴闊,套息交易或會增加,...

閱讀更多
14.06.2022
已屆退休年齡的家庭主婦 如何做按揭套現? WHAT'S NEW

按揭求助:已屆退休年齡的家庭主婦 如何做按揭套現? |黃詠欣

已屆退休年齡的家庭主婦 如何做按揭套現? 上月股市波動, 一度跌至萬八點的水平,引用「股神...

閱讀更多
13.04.2022
按揭教室:轉按篇第二回 WHAT'S NEW

【按揭新手懶人包】:轉按篇(下集)

看過上集了解「轉按」的定義及原因後,應該很想知道「轉按」的流程及注意事項吧?以下就為大家解...

閱讀更多
07.04.2022
按揭教室:轉按篇第一回 WHAT'S NEW

【按揭新手懶人包】:轉按篇 (上集)

常聽到『按揭罰息期已過,就可以「轉按」賺回贈』,究竟何謂「轉按」?真的「有著數」嗎? 何謂...

閱讀更多
11.03.2022
專家樓評:樓市淡 轉按有着數? WHAT'S NEW

東方日報 | 專家樓評:樓市淡 轉按有着數?

疫情嚴峻,加上市場預期美國快將加息,拖累二手樓市表現,二手樓價回調。不過,正正因為市淡,業...

閱讀更多
18.02.2022
1 2 Next »
  • 搜尋文章

  • 類別

    • First Hand Properties
    • Market Research
    • Mortgage Statistics
    • Mortgage Tips and Tricks
    • News Channel
    • WHAT'S NEW
  • 按月分類

  • 最新文章

    • 2026.07.02 | Mortgage Statistics, WHAT'S NEW

      Residential Mortgage Survey Results for May 2026
    • 2026.06.02 | Mortgage Statistics, WHAT'S NEW

      Residential Mortgage Survey Results for April 2026
    • 2026.05.04 | Mortgage Statistics, WHAT'S NEW

      Residential mortgage loans in negative equity: End of March 2026
    • 2026.05.04 | Mortgage Statistics

      Residential Mortgage Survey Results for March 2026
    • 2026.04.01 | Mortgage Statistics

      Residential Mortgage Survey Results for February 2026
  • 常用標籤

    best mortgage rates first-hand residential properties mortgage first hand properties mortgage HIBOR Mortgage Plan higher-loan-to-value-ratio home mortgage Home mortgage loans loan to value requirement low-interest-rate mortgage cash rebates mortgage insurance premium rate mortgage insurance program Mortgage Insurance Programme mortgage interest expenses mortgage rate hk mortgage rebates mortgage stress test second hand residential property mortgage 住宅按揭統計調查 按揭

If you have any feedback, please contact us through the following method:

Hotline:2836 6121 / 3103-5656

Address: 14/F., CENTRE POINT, 181-185 GLOUCESTER ROAD, WANCHAI, H.K.

Email: enquiry@ricacorp.com / cs@ricacorp.com



地產代理(公司)牌照號碼:

© 2026 利嘉閣按揭代理有限公司 Ricacorp Mortgage Agency Limited, all rights reserved.