![](https://s3-ap-southeast-1.amazonaws.com/titan-uat/Contents/Source/1.%20ch_First%20image.jpg)
根据香港金融管理局(HKMA)与香港按揭证券有限公司(HKMC)于2023 年7 月7 日公布的最新政策,我们为您整理出以下调整内容:
价值1,500 万港元或以下的自用住宅物业的按揭成数上限调整至七成
价值1,500 万港元以上至3,000 万港元的自用住宅物业的按揭成数上限调整至六成。
价值3,000 万港元以上的自用住宅物业的按揭成数上限维持于五成。
买家可以通过香港按揭证券公司的按揭保险计划(“MIP”)获得按揭保险保费特惠,大大减轻置业人士的首期负担,但保费可能取决于贷款金额。鉴于此,买家可以进一步降低首付,并将3000 万以下房产的贷款价值增加至以下水平:
![](https://s3-ap-southeast-1.amazonaws.com/titan-uat/Contents/Source/%E6%9C%80%E6%96%B0%E6%8C%89%E6%8F%AD%E4%BF%9D%E9%9A%AA%E8%A8%88%E5%8A%83%E7%9A%84%E6%9C%80%E9%AB%98%E6%8C%89%E6%8F%AD%E6%88%90%E6%95%B8.jpg)
Source:按揭保险计划的修订
按揭规定放宽后,买家购入以下精选物业将获得更多优惠!
精选1,500 万至3,000 万楼盘
![](https://s3-ap-southeast-1.amazonaws.com/titan-uat/Contents/Source/2.%20Amazing%20City%20View%20.jpg)
广角度城市风光
McDonnel Road, Mid-levels Central
1,311 呎(实) | 3 睡房| 2 浴室
HK$ 29.5M
![](https://s3-ap-southeast-1.amazonaws.com/titan-uat/Contents/Source/3.%20Modern%20Comfort%20Living%20.jpg)
半山乐活公寓
Robinson Road, Mid-Levels West
854 呎(实) | 2 睡房| 2 浴室
HK$ 22M
![](https://s3-ap-southeast-1.amazonaws.com/titan-uat/Contents/Source/4.%20Uninterrupted%20Sea%20Views%20in%20Low%20Rise.jpg)
罕有辽阔海景
Mount Davis Road, Pokfulam
1,307 呎(实) | 2 睡房| 2 浴室
HK$ 28.5M | HK$ 65K 包管理费
![](https://s3-ap-southeast-1.amazonaws.com/titan-uat/Contents/Source/5.%20Your%20Urban%20Oasis%20.jpg)
疗愈城市绿洲
Village Terrace, Happy Valley
1,103 呎(实) | 2 睡房| 2 浴室
HK$ 19.9M
![](https://s3-ap-southeast-1.amazonaws.com/titan-uat/Contents/Source/6.%20Outdoor%20living%20lifestyle%20.jpg)
享受户外生活
Hong Chung Road, Sai Kung
2,100 呎(建) | 5 睡房| 4 浴室
HK$ 23.8M
精选1,500 万以下楼盘
![](https://s3-ap-southeast-1.amazonaws.com/titan-uat/Contents/Source/7.%20Prime%20Location%20Apartment%20.jpg)
方便首选
Luckifast Building, Wan Chai
715 呎(实) | 1 睡房| 1 浴室
HK$ 12.65M
![](https://s3-ap-southeast-1.amazonaws.com/titan-uat/Contents/Source/8.%20An%20Outdoor%20Retreat%20Home%20.jpg)
内外兼备居所
Ka On Building, Western District
517 呎(实) | 0 睡房| 1 浴室
HK$ 10.5M | HK$ 39K 包管理费
![](https://s3-ap-southeast-1.amazonaws.com/titan-uat/Contents/Source/9.%20Modern%20Village%20House%20.jpg)
型格雅致村屋
Lobster Bay, Clearwater Bay
1,360 呎(建) | 2 睡房| 3 浴室
HK$ 11.8M