{"id":117,"date":"2022-04-01T01:26:20","date_gmt":"2022-03-31T17:26:20","guid":{"rendered":"https:\/\/mortgagego.com.hk\/?p=117"},"modified":"2022-04-01T01:29:42","modified_gmt":"2022-03-31T17:29:42","slug":"%e8%bb%8a%e4%bd%8d%e6%8c%89%e6%8f%ad","status":"publish","type":"post","link":"https:\/\/mortgagego.com.hk\/%e8%bb%8a%e4%bd%8d%e6%8c%89%e6%8f%ad\/","title":{"rendered":"\u8eca\u4f4d\u6309\u63ed\u4f60\u8981\u77e5 \u6559\u4f60\u907f\u958b\u4f0f\u4f4d\u00a0\ufffc"},"content":{"rendered":"\n
\u8eca\u4f4d\u4e00\u5411\u90fd\u662f\u71b1\u9580\u6295\u8cc7\u4e4b\u9078\uff0c\u4e00\u4f86\u6613\u6253\u7406\uff0c\u4e8c\u4f86\u98a8\u96aa\u6bd4\u8f03\u5c0f\uff0c\u5c0d\u6295\u8cc7\u8005\u4f86\u8aaa\uff0c\u7684\u78ba\u5e7e\u5438\u5f15\u3002\u800c\u5c0d\u7528\u5bb6\u9ece\u8b1b\uff0c\u9999\u6e2f\u505c\u8eca\u5834\u6536\u8cbb\u9ad8\u6602\uff0c\u6708\u79df\u81f3\u5c11\u5e7e\u5343\u5143\uff0c\u5982\u60f3\u4e00\u52de\u6c38\u9038\u4fbf\u8981\u8cb7\u5165\u8eca\u4f4d\uff0c\u65b9\u4fbf\u51fa\u5165\u3002\u5481\u9ede\u6a23\u5148\u53ef\u4ee5\u63c0\u5230\u975a\u8eca\u4f4d\u6295\u8cc7\u81ea\u7528? \u7533\u8acb\u8eca\u4f4d\u6309\u63ed\u6642\u6709\u4ec0\u9ebc\u8981\u6ce8\u610f?<\/p>\n\n\n\n
\u9996\u5148\uff0c\u800c\u5bb6\u8eca\u4f4d\u6309\u63ed\u4ee5P\u6309\uff08\u6700\u512a\u60e0\u5229\u7387\uff09\u70ba\u4e3b\uff0c\u6700\u9577\u90fd\u4fc2\u4f9b15\u5e74\uff0c\u5982\u679c\u6bd4\u8f03\u8fd4\u8eca\u4f4d\u540c\u4e00\u822c\u4f4f\u5b85\u55ae\u4f4d\u7684\u6309\u63ed\u5229\u7387\uff0c\u90fd\u4fc2\u524d\u8005\u6bd4\u8f03\u9ad8\u4e00\u9ede\u3002\u5047\u8a2d\u5be6\u969b\u6309\u606f2.75%\uff0c\u8cb7\u5165120\u842c\u5143\u8eca\u4f4d\uff0c\u9996\u671f\u70ba72\u842c\uff0c\u8cb8\u6b3e\u984d48\u842c\u5143\uff0c\u6bcf\u6708\u4f9b\u6b3e3257\u5143\uff0c\u5168\u671f\u5229\u606f\u7d04\u70ba\u8fd111\u842c\u5143\uff0c\u4e26\u7372\u53d6\u73fe\u91d1\u56de\u8d082400\u5143(\u5047\u8a2d\u4eab0.5%\u73fe\u91d1\u56de\u8d08\u4e0b)\u3002<\/p>\n\n\n\n
\u4e0d\u5c11\u4eba\u90fd\u6703\u60f3\u9023\u57cb\u4f4f\u5b85\u4e00\u9f4a\u8cfc\u5165\uff0c\u8ad7\u4f4f\u651e\u76e1\u6309\u63ed\u512a\u60e0\uff0c\u6240\u4ee5\u7f6e\u696d\u6642\u53ef\u9078\u64c7\u9023\u8eca\u4f4d\u7684\u55ae\u4f4d\uff0c\u4f7f\u7528\u4f4f\u5b85\u6309\u63ed\u9032\u884c\u4f9b\u6b3e\u3002\u5982\u6839\u64da\u4f4f\u5b85\u6309\u63ed\u63c0P\u6309\u6216H\u6309\uff0c\u4f9b\u9577\u905430\u5e74\uff0c\u53ea\u4fc2\u8003\u616e\u5230\u65e5\u5f8c\u7368\u7acb\u8ce3\u51fa\u8eca\u4f4d\uff0c\u4fbf\u8981\u9032\u884c\u5206\u5951\u3002<\/p>\n\n\n\n
\u53ea\u8981\u5c6c\u81ea\u7528\u8eca\u4f4d\uff0c\u53c8\u8ddf\u4f4f\u5b85\u55ae\u4f4d\u4f4d\u65bc\u540c\u4e00\u7269\u696d\uff0c\u53ef\u4ee5\u900f\u904e\u5411\u7a05\u52d9\u5c40\u7533\u8acb\u6263\u9664\u4f4f\u5b85\u8cb8\u6b3e\u5229\u606f\u6642\uff0c\u9023\u8eca\u4f4d\u6309\u63ed\u8cb8\u6b3e\u5229\u606f\u7533\u8acb\u6263\u9664\u3002\u800c\u4f4f\u6240\u8cb8\u6b3e\u7684\u5229\u606f\u6700\u9ad8\u6bcf\u5e74\u6263\u7a05\u9650\u984d\u70ba10\u842c\u5143\u3002<\/p>\n\n\n\n
2020\u5e7411\u670826\u65e5\u8d77\uff0c\u8eca\u4f4d\u7684\u5370\u82b1\u7a05\u968e\u8207\u4f4f\u5b85\u76f8\u540c\u3002\u4e00\u822c\u8eca\u4f4d\u7684\u6210\u4ea4\u50f9\u90fd\u5c11\u65bc300\u842c\u5143\uff0c\u6240\u4ee5\u7e73\u4ed8\u5370\u82b1\u7a05<\/a>\u5927\u7d04\u6578\u842c\u5143\u3002<\/p>\n\n\n\n \u5047\u8a2d\u8cfc\u5165200\u842c\u5143\u8eca\u4f4d\uff0c\u6309\u7167\u975e\u4f4f\u5b85\u7269\u696d\u7684\u5370\u82b1\u7a05<\/a>\u7a05\u968e\uff0c\u7a05\u7387\u70ba1.5%\uff0c\u5373\u4ea4\u5370\u82b1\u7a053\u842c\u5143\u3002\u6bd4\u8d77\u4f4f\u5b85\uff0c\u8eca\u4f4d\u5c31\u7121\u4e09\u5e74\u9b06\u7d81\u671f<\/a>\u7684\u9650\u5236\uff0c\u9748\u6d3b\u5f97\u591a\u3002\u800c\u4e14\u96dc\u8cbb\u53c8\u5c11\uff0c\u4e3b\u8981\u90fd\u4fc2\u6309\u7167\u6210\u4ea4\u50f91%\u800c\u5b9a\u7684\u7d93\u7d00\u4f63\u91d1(\u6216\u6700\u4f4e1\u842c)\u4ee5\u53ca\u50c5\u5e7e\u5343\u5143\u7684\u5f8b\u5e2b\u8cbb\u3002<\/p>\n\n\n\n \u4f8b\u5982\u8981\u7747\u7747\u505c\u8eca\u5834\u6578\u76ee\u6709\u591a\u5c11?\u9644\u8fd1\u6709\u6c92\u6709\u516c\u5171\u505c\u8eca\u5834\u7af6\u722d?\u90e8\u5206\u5730\u5340\u4f4f\u6236\u8207\u8eca\u4f4d\u6bd4\u4f8b\uff0c\u5982\u679c\u53ea\u4fc25:1\u4ee5\u4e0b\uff0c\u9700\u6c42\u4e0d\u7b97\u597d\u5927\uff0c\u90a3\u5347\u503c\u6f5b\u529b\u5c31\u6709\u4fdd\u7559\u3002\u7121\u8ad6\u53bb\u4ee3\u7406\u884c\u3001\u7747\u4f4f\u5b85\u5c4b\u82d1\u544a\u793a\u677f\u3001\u700f\u89bd\u7db2\u4e0a\u4ea4\u6613\u5e73\u53f0\u5c0b\u627e\u76e4\u6e90\uff0c\u90fd\u53ef\u4ee5\u67e5\u5230\u9644\u8fd1\u6210\u4ea4\u53ca\u79df\u8cc3\u7d00\u9304\uff0c\u8861\u91cf\u50f9\u683c\u662f\u5426\u5408\u9069\u3002\u53e6\u5916\u4ef2\u8981\u7559\u610f\u8eca\u4f4d\u4fc2\u54aa\u9760\u8fd1\u67f1\u4f4d\uff0c\u5f71\u97ff\u65b9\u4fbf\u5ea6\u3001\u662f\u5426\u6709\u5589\u7ba1\u5931\u4fee\u60c5\u6cc1\u3001\u505c\u8eca\u5834\u914d\u5957\u8207\u8cea\u7d20\u3002<\/p>\n\n\n\n \u4ee5\u5c07\u8ecd\u6fb3\u65e5\u51fa\u5eb7\u57ce\u70ba\u4f8b\uff0c\u5c4b\u82d1\u898f\u6a21\u5927\uff0c\u671f\u6578\u591a\uff0c\u4f46\u8eca\u4f4d\u6578\u76ee\u6bd4\u4f8b\u4e0d\u591a\uff0c\u79df\u91d1\u8868\u73fe\u4e0d\u932f\uff0c\u5176\u56de\u5831\u76f8\u5c0d\u9ad8\u3002\u64da\u8cc7\u6599\u986f\u793a\uff0c\u65e5\u51fa\u5eb7\u57ce\u63d0\u4f9b\u905425,500\u500b\u4f4f\u5b85\u55ae\u4f4d\uff0c\u53ea\u63d0\u4f9b\u7d045,000\u500b\u8eca\u4f4d\uff0c\u5373\u4e94\u6236\u5171\u7528\u4e00\u500b\u8eca\u4f4d\u3002\u4f8b\u5982\u65e9\u524dLP6\u958b\u552e266\u500b\u8eca\u4f4d(\u5305\u62ec\u79c1\u5bb6\u8eca\u8eca\u4f4d\u548c\u96fb\u55ae\u8eca\u8eca\u4f4d)\uff0c\u552e\u50f9\u4ecb\u4e4e12.8\u842c\u81f3233\u842c\u5143\uff0c\u552e\u51fa255\u500b\u8eca\u4f4d\u3002\u8eca\u4f4d\u8cb7\u8ce3\u66a2\u65fa\uff0c\u4ea6\u9020\u5c31\u8eca\u4f4d\u6309\u63ed\u5408\u7d04\u5b97\u6578\u56de\u5347\u3002<\/p>\n\n\n\n \u8981\u67e5\u518a\u770b\u8eca\u4f4d\u696d\u6b0a\uff0c\u5982\u8eca\u4f4d\u53ea\u9650\u51fa\u79df\u4e88\u8a72\u5c4b\u82d1\u4f4f\u6236\uff0c\u6295\u8cc7\u50f9\u503c\u4ea6\u6703\u8f03\u4f4e\u3002\u78ba\u5b9a\u8cb7\u5165\u524d\u8a18\u5f97\u7747\u6e05\u5730\u5951\u689d\u6b3e\uff0c\u56e0\u70ba\u5730\u5951\u6216\u6703\u898f\u5b9a\u4f4f\u5ba2\u8cfc\u8cb7\u8eca\u4f4d\u7684\u6578\u91cf\uff0c\u4e00\u822c\u6bcf\u500b\u696d\u4e3b\u4e0d\u5f97\u8cfc\u5165\u591a\u65bc3\u500b\u8eca\u4f4d\u3002<\/p>\n\n\n\n \u5982\u679c\u5c4b\u82d1\u51fa\u552e\u8eca\u4f4d\uff0c\u4e00\u822c\u6703\u8b93\u696d\u4e3b\u512a\u5148\u8a8d\u8cfc\uff0c\u4f8b\u5982\u592a\u53e4\u57ce\u53caLP6\u51fa\u552e\u8eca\u4f4d\uff0c\u6703\u8b93\u540c\u671f\u6578\u7684\u696d\u4e3b\u512a\u5148\u8a8d\u8cfc\uff0c\u5176\u5f8c\u624d\u7531\u5c4b\u82d1\u5176\u4ed6\u696d\u4e3b\u751a\u81f3\u516c\u773e\u8a8d\u8cfc\u3002\u5982\u679c\u6709\u696d\u4e3b\u5728\u7c3d\u7f72\u4f4f\u5b85\u55ae\u4f4d\u7684\u81e8\u6642\u8cb7\u8ce3\u5408\u7d04\u5f8c\u884c\u4f7f\u6b0a\u5229\u8cfc\u8cb7\u8eca\u4f4d\uff0c\u4fbf\u80fd\u7372\u5f97\u6298\u6263\u512a\u60e0\u3002\u8ce3\u65b9\u6703\u63d0\u4f9b\u79df\u91d1\u4fdd\u8b49\uff0c\u8cb7\u5165\u524d\u5fc5\u9808\u7d30\u95b1\u689d\u6b3e\u7d30\u5247\u3002<\/p>\n\n\n\n \u8eca\u4f4d\u53ef\u5206\u70ba\u79c1\u5bb6\u8eca\u3001\u96fb\u55ae\u8eca\u3001\u8ca8\u8eca\u8eca\u4f4d\u3001\u96fb\u52d5\u8eca\u8eca\u4f4d\uff0c\u7576\u4e2d\u53c8\u53ef\u5206\u70ba\u7368\u7acb\u8eca\u4f4d\u53ca\u5408\u5951\u8eca\u4f4d\uff0c\u5982\u65e5\u5f8c\u5982\u679c\u60f3\u7368\u7acb\u51fa\u552e\u8eca\u4f4d\uff0c\u4fbf\u8981\u9032\u884c\u5206\u5951\u3002<\/p>\n\n\n\n \u5dee\u9909\u6839\u64da\u6bcf\u5e74\u79df\u503c\u8a55\u4f30\uff0c\u8fd1\u5e74\u70ba5%\u3002\u5047\u8a2d\u8eca\u4f4d\u6708\u79df\u79df\u503c\u70ba3000\u5143\uff0c1\u5e74\u70ba3\u842c6\u5343\uff0c\u5373\u6bcf\u5b63\u652f\u4ed8450\u5143\u5dee\u9909\u3002\u5730\u79df\u70ba3%\uff0c\u5373\u6bcf\u5b63\u8981\u652f\u4ed8270\u5143\uff0c\u5408\u5171\u70ba$720\u3002\u7ba1\u7406\u8cbb\u6bcf\u500b\u5c4b\u82d1\u6536\u8cbb\u5404\u7570\uff0c\u8cb7\u5165\u524d\u61c9\u5411\u5730\u7522\u4ee3\u7406\u4e86\u89e3\u6e05\u695a\u3002<\/p>\n\n\n\n \u8ce3\u65b9\u4e00\u822c\u53ea\u63d0\u4f9b1\u500b\u5373\u4f9b\u4ed8\u6b3e\u65b9\u6cd5\uff0c\u4f8b\u5982\u5728\u7c3d\u7f72\u81e8\u7d04\u6642\u652f\u4ed85%\u8a02\u91d1\uff0c\u7c3d\u7f72\u6b63\u5f0f\u8cb7\u8ce3\u5408\u7d04\u518d\u652f\u4ed85%\u552e\u50f9\uff0c\u518d\u65bc\u7c3d\u81e8\u7d04\u5f8c90\u65e5\u5167\u652f\u4ed890%\u552e\u50f9\u3002\u4e5f\u6703\u6709\u4eba\u6703\u76f4\u63a5\u7c3d\u6b63\u7d04\uff0c\u4e26\u843d10%\u8a02\u91d1\uff0c\u5b89\u6392\u8996\u4e4e\u8cb7\u8ce3\u96d9\u65b9\u5354\u8b70\u3002<\/p>\n\n\n\n \u7c3d\u7d04\u5f8c\uff0c\u4e00\u822c\u65bc45\u65e5\u5167\uff0c\u96d9\u65b9\u9700\u8981\u5b8c\u6210\u904e\u6236\u624b\u7e8c\uff0c\u800c\u4ea4\u6613\u6642\u9593\u548c\u5f8b\u5e2b\u8cbb\u90fd\u6703\u96a8\u627f\u9020\u6309\u63ed\u8207\u5426\u800c\u6709\u6240\u589e\u6e1b\u3002<\/p>\n\n\n\n \u9664\u4e86\u5411\u9280\u884c\u67e5\u8a62\u4f30\u50f9\uff0c\u4e5f\u53ef\u53c3\u8003\u6700\u8fd1\u8eca\u4f4d\u53eb\u50f9\u3001\u6210\u4ea4\u50f9\u3001\u79df\u91d1\u3002\u7531\u65bc\u65e9\u524d\u91d1\u7ba1\u5c40\u653e\u5bec\u4e86\u975e\u4f4f\u5b85\u7269\u696d\u7684\u6309\u63ed\u6210\u6578\uff0c\u5982\u672c\u8eab\u7121\u6309\u63ed\u7684\u7533\u8acb\u4eba\uff0c\u8cfc\u8cb7\u8eca\u4f4d\u6700\u591a\u53ef\u7533\u8acb5\u6210\u6309\u63ed\u8cb8\u6b3e\uff0c\u6709\u6309\u63ed\u5728\u8eab\u5c31\u8981\u6e1b\u4e00\u6210\u3002 <\/p>\n\n\n\n \u5982\u679c\u5514\u60f3\u4ffe\u5481\u9ad8\u8eca\u4f4d\u6309\u63ed\u606f\u7387\u53ef\u4ee5\u9ede\u505a?\u574a\u9593\u5e38\u898b\u505a\u6cd5\u4fc2\uff0c\u5c07\u8eca\u4f4d\u9023\u540c\u73fe\u6709\u7269\u696d\u8f49\u6309\u4e26\u52a0\u6309\u5957\u73fe\uff0c\u9664\u53ef\u4eab\u6709\u4f4f\u5b85\u7269\u696d\u7684\u4f4e\u606f\u5916\uff0c\u9084\u53ef\u4ee5\u5c07\u9084\u6b3e\u671f\u62c9\u81f3\u6700\u957730\u5e74\uff0c\u6309\u63ed\u6210\u6578\u8996\u4e4e\u4f4f\u5b85\u6a13\u50f9\uff0c\u5047\u5982\u7372\u5f97\u8f49\u6309\u7684\u73fe\u91d1\u56de\u8d08\uff0c\u53ef\u8cfa\u53d6\u70ba\u6578\u4e0d\u5c11\u7684\u73fe\u91d1\u56de\u8d08\uff0c\u5e6b\u88dc\u96dc\u8cbb\u958b\u652f\u3002\u4ee5\u4e0a\u9069\u7528\u65bc\u6301\u6709\u7269\u696d\u7684\u4eba\u58eb\u3002<\/p>\n\n\n\n\u53c3\u8003\u4e0b\u8868\u7a05\u968e: <\/h3>\n\n\n\n
\u7269\u696d\u552e\u50f9\u6216\u50f9\u503c\u3014\u4ee5\u8f03\u9ad8\u8005\u70ba\u6e96\u3015<\/strong><\/th> \u7b2c2\u6a19\u6e96\u7a05\u7387<\/strong><\/th><\/tr> 2,000,000\u5143\u6216\u4ee5\u5167<\/th> 100\u5143<\/td><\/tr> 2,000,001\u5143\u81f32,351,760\u5143<\/th> 100\u5143+\u8d85\u51fa2,000,000\u5143\u7684\u6b3e\u984d\u768410%<\/td><\/tr> 2,351,761\u5143\u81f33,000,000\u5143<\/th> 1.5%<\/td><\/tr> 3,000,001\u5143\u81f33,290,320\u5143<\/th> 45,000\u5143+\u8d85\u51fa3,000,000\u5143\u7684\u6b3e\u984d\u768410%<\/td><\/tr> 3,290,321\u5143\u81f34,000,000\u5143<\/th> 2.25%<\/td><\/tr> 4,000,001\u5143\u81f34,428,570\u5143<\/th> 90,000\u5143+\u8d85\u51fa4,000,000\u5143\u7684\u6b3e\u984d\u768410%<\/td><\/tr> 4,428,571\u5143\u81f36,000,000\u5143<\/th> 3.00%<\/td><\/tr> 6,000,001\u5143\u81f36,720,000\u5143<\/th> 180,000\u5143+\u8d85\u51fa6,000,000\u5143\u7684\u6b3e\u984d\u768410%<\/td><\/tr> 6,720,001\u5143\u81f320,000,000\u5143<\/th> 3.75%<\/td><\/tr> 20,000,001\u5143\u81f321,739,120\u5143<\/th> 750,000\u5143+\u8d85\u51fa20,000,000\u5143\u7684\u6b3e\u984d\u768410%<\/td><\/tr> 21,739,121\u5143\u6216\u4ee5\u4e0a<\/th> 4.25%<\/td><\/tr><\/tbody><\/table> \u9ede\u63c0\u975a\u8eca\u4f4d?<\/h2>\n\n\n\n
\u4e86\u89e3\u505c\u8eca\u5834\u7684\u4f9b\u6c42\u60c5\u6cc1<\/h3>\n\n\n\n
\u67e5\u518a<\/h3>\n\n\n\n
\u7559\u610f\u512a\u5148\u8a8d\u8cfc\u6b0a<\/h3>\n\n\n\n
\u7559\u610f\u8eca\u4f4d\u7a2e\u985e<\/h3>\n\n\n\n
\u9810\u7b97\u597d\u7ba1\u7406\u8cbb\u3001\u5dee\u9909\u53ca\u5730\u79df<\/h3>\n\n\n\n
\u5354\u8b70\u4ed8\u6b3e\u65b9\u6cd5<\/h3>\n\n\n\n
\u6700\u5feb45\u65e5\u5167\u5b8c\u6210\u624b\u7e8c<\/h3>\n\n\n\n
\u8eca\u4f4d\u6309\u63ed\u6700\u591a5\u6210<\/h3>\n\n\n\n
\u81ea\u7528\u53ca\u975e\u81ea\u7528\u8eca\u4f4d\u6309\u63ed\u58d3\u529b\u6e2c\u8a66 <\/h3>\n\n\n\n