Indicators on 按揭保險申請程序 You Should Know

Indicators on 按揭保險申請程序 You Should Know

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有關按揭物業貸款的按揭成數和「供款與入息比率」措施的詳情，請參閱附表。

「定息按揭」的波動性較「浮息按揭」為低，故按揭保費較低。過去在低息環境下，市面上以「浮息按揭」為多，但隨著美國加息持續，銀行亦開始推出各種定息產品，如想付較低保費，又擔心加息持續，可選擇定息按揭。

管理費

用「按保」嘅話，保費、年期等等嘅注意事項，仲有申請流程係點嘅呢？ 立即查詢「新按保」詳情

物業估價不足：若申請人買入物業價錢比銀行估價高太多，按證公司可能會重新估值去計算可以批出按揭成數，導致「借唔足」

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歷史外匯基金的法定目的與投資目標投資管理投資表現風險管理負責任投資外匯基金數據及刊物

按保拒批原因因人而異，曾經破產 （未解除）、信用評級太低、不良的借貸紀錄、有過犯罪記錄（如洗黑錢）或物業用途受質疑等都是按保拒批原因。因此如果在申請按保時，可找專業人士幫助，28Mortagae 作為一站式按揭比較平台，有專人全程給予意見，及全程跟進整個申請流程，可以避免因資料不全而失去申請按保的機會。

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『海外收入申請人』書面聲明有直系親屬(只限於父母、配偶及子女)現於本港定居

註一：銀行在審批按揭申請時會考慮不同因素。銀行批出的按揭貸款金額未必與申請人所申請的按揭銀碼相同。

投資者關係概覽信貸評級融資安排可持續金融按揭證券化財務摘要常見問題基建貸款抵押證券