{"id":201,"date":"2026-05-19T14:43:58","date_gmt":"2026-05-19T06:43:58","guid":{"rendered":"https:\/\/hk.propmark.com\/hong-kong-real-estate-blog\/?p=201"},"modified":"2026-05-20T13:24:03","modified_gmt":"2026-05-20T05:24:03","slug":"hkma-mortgage-rules-guide","status":"publish","type":"post","link":"https:\/\/hk.propmark.com\/hong-kong-real-estate-blog\/zh-hk\/hkma-mortgage-rules-guide\/","title":{"rendered":"\u30102026 \u9999\u6e2f\u7f6e\u696d\u6307\u5357\u3011\u91d1\u7ba1\u5c40\u6309\u63ed\u898f\u5247\u5168\u653b\u7565\uff1a\u9996\u671f\u3001\u58d3\u529b\u6e2c\u8a66\u8207\u501f\u8cb8\u4e0a\u9650"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">\u5728\u60a8\u958b\u59cb\u8a8d\u771f\u7747\u6a13\u4e4b\u524d\uff0c\u5fc5\u9808\u5148\u4e86\u89e3\u81ea\u5df1\u7684\u501f\u8cb8\u80fd\u529b\uff0c\u4ee5\u53ca\u9999\u6e2f\u9280\u884c\u76e3\u7ba1\u6a5f\u69cb\u662f\u5982\u4f55\u8a55\u4f30\u8cb8\u6b3e\u7533\u8acb\u3002\u8a31\u591a\u8cb7\u5bb6\u5728\u6574\u500b\u904e\u7a0b\u4e2d\uff0c\u5f80\u5f80\u53ea\u95dc\u6ce8\u7269\u696d\u7684\u666f\u89c0\u6216\u5730\u6bb5\uff0c\u537b\u5ffd\u7565\u4e86\u6700\u6838\u5fc3\u7684\u9650\u5236\u2014\u2014<strong>\u9999\u6e2f\u91d1\u878d\u7ba1\u7406\u5c40\uff08\u91d1\u7ba1\u5c40\uff09\u7684\u6309\u63ed\u6307\u5f15<\/strong>\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u91d1\u7ba1\u5c40\u7684\u898f\u5247\u4e0d\u50c5\u6c7a\u5b9a\u4e86\u60a8\u9700\u8981\u6e96\u5099\u591a\u5c11\u300c\u9996\u671f\u300d\uff08Down Payment\uff09\uff0c\u66f4\u76f4\u63a5\u5f71\u97ff\u4e86\u60a8\u7684\u300c\u501f\u8cb8\u80fd\u529b\u300d\uff08Borrowing Power\uff09\u3002\u672c\u6587\u5c07\u6df1\u5165\u89e3\u6790\u91d1\u7ba1\u5c40\u6700\u65b0\u7684\u6309\u63ed\u6846\u67b6\uff0c\u52a9\u60a8\u5728\u7f6e\u696d\u8def\u4e0a\u907f\u958b\u8ca1\u52d9\u9677\u9631\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"p-rc_d8a8982bf57356df-1543\"><strong>\u70ba\u4ec0\u9ebc\u91d1\u7ba1\u5c40\u8981\u5236\u5b9a\u6309\u63ed\u898f\u5247\uff1f<\/strong> <\/h2>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"p-rc_d8a8982bf57356df-1544\">\u9999\u6e2f\u91d1\u878d\u7ba1\u7406\u5c40\uff08HKMA\uff09\u4f5c\u70ba\u672c\u6e2f\u7684\u4e2d\u592e\u9280\u884c\u6a5f\u69cb\u53ca\u76e3\u7ba1\u8005\uff0c\u5176\u5236\u5b9a\u7684\u4f4f\u5b85\u6309\u63ed\u8cb8\u6b3e\u898f\u5247\u662f\u7dad\u6301\u91d1\u878d\u7a69\u5b9a\u7684\u57fa\u77f3 <sup><\/sup><sup><\/sup><sup><\/sup><sup><\/sup>\u3002\u5176\u6838\u5fc3\u76ee\u7684\u6709\u4e8c\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u9632\u6b62\u5e02\u6c11\u904e\u5ea6\u501f\u8cb8\uff1a<\/strong> \u78ba\u4fdd\u8cb7\u5bb6\u5728\u5229\u7387\u4e0a\u5347\u6642\uff0c\u4ecd\u6709\u8db3\u5920\u7684\u9084\u6b3e\u80fd\u529b \u3002<\/li>\n\n\n\n<li><strong>\u7dad\u8b77\u9280\u884c\u9ad4\u7cfb\u5b89\u5168\uff1a<\/strong> \u9632\u6b62\u56e0\u623f\u50f9\u5927\u5e45\u6ce2\u52d5\u5c0e\u81f4\u9280\u884c\u51fa\u73fe\u5927\u91cf\u58de\u5e33 \u3002<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"p-rc_d8a8982bf57356df-1544\">\u9019\u4e9b\u898f\u5247\u9069\u7528\u65bc\u6240\u6709\u5728\u9999\u6e2f\u7372\u767c\u724c\u7167\u7684\u9280\u884c\uff0c\u4e26\u900f\u904e\u300a\u76e3\u7ba1\u653f\u7b56\u624b\u518a\u300b(SPM) \u56b4\u683c\u57f7\u884c \u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u6309\u63ed\u6210\u6578 (LTV) \u6bd4\u4f8b\u8a73\u89e3\uff1a\u60a8\u9700\u8981\u591a\u5c11\u9996\u671f\uff1f<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"p-rc_d8a8982bf57356df-1545\">\u300c\u6309\u63ed\u6210\u6578\u300d\uff08Loan-to-Value Ratio\uff09\u662f\u6307\u8cb8\u6b3e\u984d\u8207\u7269\u696d\u50f9\u503c\u7684\u6bd4\u4f8b \u3002\u6839\u64da\u91d1\u7ba1\u5c40\u7684\u6700\u65b0\u898f\u5247\uff0c\u6309\u63ed\u4e0a\u9650\u53d7\u7269\u696d\u50f9\u503c\u53ca\u501f\u6b3e\u4eba\u8eab\u4efd\u5f71\u97ff \uff1a<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u81ea\u4f4f\u7269\u696d\u7684\u6a19\u6e96\u4e0a\u9650<\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><td><strong>\u7269\u696d\u50f9\u503c (HKD)<\/strong><\/td><td><strong>\u6700\u9ad8\u6309\u63ed\u6210\u6578 (\u9999\u6e2f\u6c38\u4e45\u5c45\u6c11 \/ \u81ea\u4f4f)<\/strong><\/td><td><strong>\u6700\u9ad8\u6309\u63ed\u6210\u6578 (\u975e\u9999\u6e2f\u6c38\u4e45\u5c45\u6c11)<\/strong><\/td><\/tr><\/thead><tbody><tr><td>\u4efb\u4f55\u50f9\u503c<\/td><td>70%<\/td><td>70%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">\u9996\u7f6e\u6551\u661f\uff1a\u9999\u6e2f\u6309\u63ed\u8b49\u5238\u516c\u53f8 (HKMC) \u6309\u63ed\u4fdd\u96aa<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"p-rc_ef2e49f047fffae0-1653\">\u5c0d\u65bc\u7f3a\u4e4f\u9996\u671f\u7684\u9999\u6e2f\u6c38\u4e45\u5c45\u6c11\uff0c\u300c\u6309\u63ed\u4fdd\u96aa\u8a08\u5283\u300d\u662f\u5165\u5e02\u7684\u95dc\u9375 \u3002\u900f\u904e\u652f\u4ed8\u4e00\u7b46\u6309\u63ed\u4fdd\u96aa\u8cbb\uff0c\u60a8\u53ef\u4ee5\u501f\u5230\u9ad8\u65bc\u91d1\u7ba1\u5c40\u898f\u5b9a\u7684\u6210\u6578 \uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>1,000 \u842c\u5143\u4ee5\u4e0b\uff1a<\/strong> \u6700\u9ad8\u53ef\u505a <strong>90% \u6309\u63ed<\/strong>\uff0c\u9019\u610f\u5473\u8457\u8cfc\u8cb7\u4e00\u9593 800 \u842c\u7684\u55ae\u4f4d\uff0c\u9996\u671f\u53ea\u9700 80 \u842c \u3002<\/li>\n\n\n\n<li><strong>1,000 \u842c\u81f3 1,715 \u842c\u5143\uff1a<\/strong> \u6700\u9ad8\u53ef\u505a <strong>80% \u6309\u63ed<\/strong> \u3002<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u6838\u5fc3\u689d\u4ef6\uff1a<\/strong><\/p>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li>\u5fc5\u9808\u6301\u6709<strong>\u6709\u6548\u7684\u9999\u6e2f\u8eab\u4efd\u8b49<\/strong> \u3002<\/li>\n\n\n\n<li>\u5fc5\u9808\u70ba<strong>\u9996\u6b21\u7f6e\u696d<\/strong>\uff08\u5373\u540d\u4e0b\u76ee\u524d\u6c92\u6709\u9999\u6e2f\u4f4f\u5b85\u7269\u696d\uff09\u3002<\/li>\n\n\n\n<li>\u7269\u696d\u5fc5\u9808\u50c5\u4f9b<strong>\u81ea\u4f4f<\/strong> \u3002<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\">\u8ca0\u64d4\u80fd\u529b\u7684\u6838\u5fc3\uff1a\u4f9b\u6b3e\u8207\u5165\u606f\u6bd4\u7387 (DSR)<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"p-rc_ef2e49f047fffae0-1659\">\u91d1\u7ba1\u5c40\u4e0d\u50c5\u76e3\u7ba1\u300c\u9996\u671f\u300d\uff0c\u9084\u6703\u76e3\u7ba1\u300c\u4f9b\u6b3e\u300d\u3002DSR \u662f\u8861\u91cf\u60a8\u6bcf\u6708\u9084\u6b3e\u652f\u51fa\u8207\u6bcf\u6708\u7e3d\u6536\u5165\u7684\u6bd4\u4f8b \u3002<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>50% \u7684\u786c\u6027\u6307\u6a19\uff1a<\/strong> \u60a8\u7684\u6bcf\u6708\u7e3d\u50b5\u52d9\u8ca0\u64d4\uff08\u5305\u542b\u65b0\u6309\u63ed\u3001\u8eca\u8cb8\u3001\u79c1\u4eba\u8cb8\u6b3e\u3001\u5361\u6578\u7b49\uff09\u4e0d\u5f97\u8d85\u904e\u6708\u85aa\u7684\u4e00\u534a \u3002<\/li>\n\n\n\n<li><strong>\u79df\u91d1\u6536\u5165\u300c\u6253\u6298\u300d\uff1a<\/strong> \u82e5\u60a8\u6253\u7b97\u4ee5\u73fe\u6709\u7269\u696d\u7684\u79df\u91d1\u4f5c\u70ba\u5165\u606f\u8b49\u660e\uff0c\u9280\u884c\u6703\u5957\u7528 <strong>20-30% \u7684\u300c\u6298\u6263\u300d\uff08Haircut\uff09<\/strong> \u3002\u9019\u610f\u5473\u8457 10,000 \u5143\u7684\u79df\u91d1\uff0c\u9280\u884c\u53ef\u80fd\u53ea\u627f\u8a8d 7,000 \u5143\u4f5c\u70ba\u60a8\u7684\u5165\u606f\u3002<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"p-rc_ef2e49f047fffae0-1664\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u95dc\u9375\u8ca1\u52d9\u6c7a\u5b9a\uff1a\u6309\u63ed\u5e74\u671f\u8207\u5229\u7387\u985e\u578b<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>1. \u8cb8\u6b3e\u5e74\u671f (Loan Term)<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"p-rc_ef2e49f047fffae0-1665\">\u9999\u6e2f\u7684\u6309\u63ed\u5e74\u671f\u4e0a\u9650\u70ba <strong>30 \u5e74<\/strong> <sup><\/sup>\u3002 \u4f46\u9280\u884c\u6703\u5be6\u884c\u300c<strong>\u4eba\u9f61\u9650\u5236<\/strong>\u300d\uff0c\u901a\u5e38\u516c\u5f0f\u70ba\u300c70 \u6e1b\u53bb\u5be6\u969b\u5e74\u9f61\u300d<sup><\/sup>\u3002\u4f8b\u5982\u4e00\u4f4d 50 \u6b72\u7684\u8cb7\u5bb6\uff0c\u5176\u6700\u9577\u5e74\u671f\u50c5\u70ba 20 \u5e74 <sup><\/sup>\u3002\u5e74\u671f\u7e2e\u77ed\u610f\u5473\u8457\u6bcf\u6708\u4f9b\u6b3e\u589e\u52a0\uff0cDSR \u4e5f\u6703\u96a8\u4e4b\u5347\u9ad8\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>2. \u5229\u7387\u9078\u64c7\uff1aH \u6309 vs P \u6309<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>H \u6309 (HIBOR-linked)\uff1a<\/strong> \u96a8\u9280\u884c\u540c\u696d\u62c6\u606f\u6ce2\u52d5 \u3002\u96d6\u7136\u901a\u5e38\u8f03\u5e73\uff0c\u4f46\u5b58\u5728\u6ce2\u52d5\u6027\u3002\u76ee\u524d\u591a\u6578 H \u6309\u90fd\u8a2d\u6709\u300c\u9396\u606f\u4e0a\u9650\u300d\u4ee5\u4fdd\u969c\u8cb7\u5bb6 \u3002<\/li>\n\n\n\n<li><strong>P \u6309 (Prime-linked)\uff1a<\/strong> \u96a8\u6700\u512a\u60e0\u5229\u7387\u8b8a\u52d5\uff0c\u7a69\u5b9a\u6027\u8f03\u9ad8\uff0c\u9069\u5408\u4e0d\u559c\u6b61\u5229\u7387\u983b\u7e41\u6ce2\u52d5\u7684\u4fdd\u5b88\u578b\u8cb7\u5bb6 \u3002<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">\u63d0\u5347\u501f\u8cb8\u80fd\u529b\u7684 4 \u5927\u5c08\u696d\u5efa\u8b70<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u70ba\u4e86\u9806\u5229\u901a\u904e\u9280\u884c\u5be9\u6838\uff0c\u60a8\u53ef\u4ee5\u63a1\u53d6\u4ee5\u4e0b\u7b56\u7565\uff1a<\/p>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li><strong>\u6e05\u7406\u96f6\u6563\u50b5\u52d9\uff1a<\/strong> \u5728\u7533\u8acb\u6309\u63ed\u524d\uff0c\u61c9\u76e1\u65e9\u6e05\u9084\u6240\u6709\u79c1\u4eba\u8cb8\u6b3e\u3001\u8eca\u8cb8\u6216\u5206\u671f\u4ed8\u6b3e \u3002\u5373\u4fbf\u662f\u6bcf\u6708\u5e7e\u767e\u5143\u7684\u4f9b\u6b3e\uff0c\u4e5f\u6703\u900f\u904e DSR \u500d\u589e\u6548\u61c9\uff0c\u6e1b\u5c11\u60a8\u5e7e\u5341\u842c\u7684\u6309\u63ed\u984d\u5ea6 \u3002<\/li>\n\n\n\n<li><strong>\u6574\u5408\u79df\u91d1\u6536\u5165\uff1a<\/strong> \u82e5\u60a8\u6301\u6709\u5176\u4ed6\u6536\u79df\u7269\u696d\uff0c\u78ba\u4fdd\u79df\u7d04\u5df2\u91d0\u5370\uff0c\u4ee5\u4fbf\u5c07\u79df\u91d1\u8a08\u5165\u5165\u606f\uff08\u96d6\u6709\u6253\u6298\uff0c\u4f46\u4ecd\u6709\u52a9\u76ca\uff09\u3002<\/li>\n\n\n\n<li><strong>\u5be9\u614e\u8003\u616e\u5e74\u671f\uff1a<\/strong> \u5982\u679c\u70ba\u4e86\u904e\u58d3\u529b\u6e2c\u8a66\uff0c\u6709\u6642\u9700\u8981\u62c9\u9577\u5e74\u671f\u81f3 30 \u5e74\uff1b\u4f46\u82e5\u60a8\u662f\u70ba\u4e86\u7701\u5229\u606f\u800c\u7e2e\u77ed\u5e74\u671f\uff0c\u52d9\u5fc5\u78ba\u8a8d\u60a8\u7684 DSR \u4f9d\u7136\u5728\u5b89\u5168\u7dda\u5167 \u3002<\/li>\n\n\n\n<li><strong>\u8ca8\u6bd4\u4e09\u5bb6\uff1a<\/strong> \u4e0d\u540c\u9280\u884c\u5c0d\u81ea\u50f1\u4eba\u58eb\u6216\u975e\u672c\u5730\u5165\u606f\u7684\u5be9\u6838\u5f48\u6027\u5927\u76f8\u5f91\u5ead \u3002\u5efa\u8b70\u8aee\u8a62\u5c08\u696d\u6309\u63ed\u7d93\u7d00\uff0c\u7372\u53d6\u591a\u500b\u9280\u884c\u7684\u6a21\u64ec\u5831\u50f9 \u3002<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u5e38\u898b\u554f\u984c (FAQ)<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Q: \u4ec0\u9ebc\u662f\u300c\u9996\u7f6e\u4eba\u58eb\u300d\uff1f<\/strong> <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A: \u5728\u7533\u8acb\u6309\u63ed\u6642\uff0c\u540d\u4e0b\u6c92\u6709\u6301\u6709\u4efb\u4f55\u9999\u6e2f\u4f4f\u5b85\u7269\u696d\u7684\u9999\u6e2f\u6c38\u4e45\u5c45\u6c11\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"p-rc_ef2e49f047fffae0-1672\"><strong>Q: \u975e\u6c38\u4e45\u5c45\u6c11\u53ef\u4ee5\u7533\u8acb 90% \u6309\u63ed\u55ce\uff1f<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"p-rc_ef2e49f047fffae0-1672\">A: \u53ef\u4ee5\u3002HKMC \u7684 90% \u9ad8\u6210\u6578\u6309\u63ed\u4e26\u975e\u50c5\u9650\u65bc\u9999\u6e2f\u6c38\u4e45\u6027\u5c45\u6c11 \u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"p-rc_ef2e49f047fffae0-1673\"><strong>Q: \u5982\u679c\u6211\u6709\u4fe1\u7528\u5361\u5206\u671f\u4ed8\u6b3e\uff0c\u6703\u5f71\u97ff\u8cb7\u6a13\u55ce\uff1f<\/strong> <\/p>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"p-rc_ef2e49f047fffae0-1673\">A: \u6703\u3002\u6240\u6709\u5206\u671f\u4ed8\u6b3e\u90fd\u6703\u8a08\u5165\u60a8\u7684 DSR \u8a08\u7b97\u4e2d\uff0c\u76f4\u63a5\u964d\u4f4e\u60a8\u7684\u53ef\u501f\u8cb8\u91d1\u984d \u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u7d50\u8ad6<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"p-rc_ef2e49f047fffae0-1674\">\u9999\u6e2f\u7684\u6309\u63ed\u898f\u5247\u96d6\u7136\u7e41\u8907\uff0c\u4f46\u5176\u76ee\u7684\u662f\u70ba\u4e86\u4fdd\u969c\u60a8\u7684\u8ca1\u52d9\u5065\u5eb7 \u3002\u5728\u7c3d\u7f72\u8cb7\u8ce3\u5408\u7d04\uff08\u81e8\u6642\u5408\u7d04\uff09\u524d\uff0c\u52d9\u5fc5\u5b89\u6392\u9280\u884c\u505a\u300c\u9810\u5148\u6279\u6838\u300d\u6216\u8aee\u8a62\u6309\u63ed\u5c08\u54e1\u3002\u638c\u63e1\u4e86 LTV\u3001DSR \u8207\u58d3\u529b\u6e2c\u8a66\uff0c\u60a8\u5c31\u80fd\u5728\u9999\u6e2f\u8f15\u9b06\u7269\u8272\u5fc3\u5100\u7269\u696d\u3002<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u5728\u60a8\u958b\u59cb\u8a8d\u771f\u7747\u6a13\u4e4b\u524d\uff0c\u5fc5\u9808\u5148\u4e86\u89e3\u81ea\u5df1\u7684\u501f\u8cb8\u80fd\u529b\uff0c\u4ee5\u53ca\u9999\u6e2f\u9280\u884c\u76e3\u7ba1\u6a5f\u69cb\u662f\u5982\u4f55\u8a55\u4f30\u8cb8\u6b3e\u7533\u8acb\u3002\u8a31\u591a\u8cb7\u5bb6\u5728\u6574\u500b\u904e\u7a0b\u4e2d\uff0c\u5f80\u5f80\u53ea\u95dc\u6ce8\u7269\u696d\u7684\u666f\u89c0\u6216\u5730\u6bb5\uff0c\u537b\u5ffd\u7565\u4e86\u6700\u6838\u5fc3\u7684\u9650\u5236\u2014\u2014\u9999\u6e2f\u91d1\u878d\u7ba1\u7406\u5c40\uff08\u91d1\u7ba1\u5c40\uff09\u7684\u6309\u63ed\u6307\u5f15\u3002 \u91d1\u7ba1\u5c40\u7684\u898f\u5247\u4e0d\u50c5\u6c7a\u5b9a\u4e86\u60a8\u9700\u8981\u6e96\u5099\u591a\u5c11\u300c\u9996\u671f\u300d\uff08Down Payment\uff09\uff0c\u66f4\u76f4\u63a5\u5f71\u97ff\u4e86\u60a8\u7684\u300c\u501f\u8cb8\u80fd\u529b\u300d\uff08Borrowing Power\uff09\u3002\u672c\u6587\u5c07\u6df1\u5165\u89e3\u6790\u91d1\u7ba1\u5c40\u6700\u65b0\u7684\u6309\u63ed\u6846\u67b6\uff0c\u52a9\u60a8\u5728\u7f6e\u696d\u8def\u4e0a\u907f\u958b\u8ca1\u52d9\u9677\u9631\u3002 \u70ba\u4ec0\u9ebc\u91d1\u7ba1\u5c40\u8981\u5236\u5b9a\u6309\u63ed\u898f\u5247\uff1f \u9999\u6e2f\u91d1\u878d\u7ba1\u7406\u5c40\uff08HKMA\uff09\u4f5c\u70ba\u672c\u6e2f\u7684\u4e2d\u592e\u9280\u884c\u6a5f\u69cb\u53ca\u76e3\u7ba1\u8005\uff0c\u5176\u5236\u5b9a\u7684\u4f4f\u5b85\u6309\u63ed\u8cb8\u6b3e\u898f\u5247\u662f\u7dad\u6301\u91d1\u878d\u7a69\u5b9a\u7684\u57fa\u77f3 \u3002\u5176\u6838\u5fc3\u76ee\u7684\u6709\u4e8c\uff1a \u9019\u4e9b\u898f\u5247\u9069\u7528\u65bc\u6240\u6709\u5728\u9999\u6e2f\u7372\u767c\u724c\u7167\u7684\u9280\u884c\uff0c\u4e26\u900f\u904e\u300a\u76e3\u7ba1\u653f\u7b56\u624b\u518a\u300b(SPM) \u56b4\u683c\u57f7\u884c \u3002 \u6309\u63ed\u6210\u6578 (LTV) \u6bd4\u4f8b\u8a73\u89e3\uff1a\u60a8\u9700\u8981\u591a\u5c11\u9996\u671f\uff1f \u300c\u6309\u63ed\u6210\u6578\u300d\uff08Loan-to-Value Ratio\uff09\u662f\u6307\u8cb8\u6b3e\u984d\u8207\u7269\u696d\u50f9\u503c\u7684\u6bd4\u4f8b \u3002\u6839\u64da\u91d1\u7ba1\u5c40\u7684\u6700\u65b0\u898f\u5247\uff0c\u6309\u63ed\u4e0a\u9650\u53d7\u7269\u696d\u50f9\u503c\u53ca\u501f\u6b3e\u4eba\u8eab\u4efd\u5f71\u97ff \uff1a \u81ea\u4f4f\u7269\u696d\u7684\u6a19\u6e96\u4e0a\u9650 \u7269\u696d\u50f9\u503c (HKD) \u6700\u9ad8\u6309\u63ed\u6210\u6578 (\u9999\u6e2f\u6c38\u4e45\u5c45\u6c11 \/ \u81ea\u4f4f) \u6700\u9ad8\u6309\u63ed\u6210\u6578 (\u975e\u9999\u6e2f\u6c38\u4e45\u5c45\u6c11) \u4efb\u4f55\u50f9\u503c 70% 70% \u9996\u7f6e\u6551\u661f\uff1a\u9999\u6e2f\u6309\u63ed\u8b49\u5238\u516c\u53f8 (HKMC) \u6309\u63ed\u4fdd\u96aa \u5c0d\u65bc\u7f3a\u4e4f\u9996\u671f\u7684\u9999\u6e2f\u6c38\u4e45\u5c45\u6c11\uff0c\u300c\u6309\u63ed\u4fdd\u96aa\u8a08\u5283\u300d\u662f\u5165\u5e02\u7684\u95dc\u9375 \u3002\u900f\u904e\u652f\u4ed8\u4e00\u7b46\u6309\u63ed\u4fdd\u96aa\u8cbb\uff0c\u60a8\u53ef\u4ee5\u501f\u5230\u9ad8\u65bc\u91d1\u7ba1\u5c40\u898f\u5b9a\u7684\u6210\u6578 \uff1a \u6838\u5fc3\u689d\u4ef6\uff1a \u8ca0\u64d4\u80fd\u529b\u7684\u6838\u5fc3\uff1a\u4f9b\u6b3e\u8207\u5165\u606f\u6bd4\u7387 (DSR) \u91d1\u7ba1\u5c40\u4e0d\u50c5\u76e3\u7ba1\u300c\u9996\u671f\u300d\uff0c\u9084\u6703\u76e3\u7ba1\u300c\u4f9b\u6b3e\u300d\u3002DSR \u662f\u8861\u91cf\u60a8\u6bcf\u6708\u9084\u6b3e\u652f\u51fa\u8207\u6bcf\u6708\u7e3d\u6536\u5165\u7684\u6bd4\u4f8b \u3002 \u95dc\u9375\u8ca1\u52d9\u6c7a\u5b9a\uff1a\u6309\u63ed\u5e74\u671f\u8207\u5229\u7387\u985e\u578b 1. \u8cb8\u6b3e\u5e74\u671f (Loan Term) \u9999\u6e2f\u7684\u6309\u63ed\u5e74\u671f\u4e0a\u9650\u70ba 30 \u5e74 \u3002 \u4f46\u9280\u884c\u6703\u5be6\u884c\u300c\u4eba\u9f61\u9650\u5236\u300d\uff0c\u901a\u5e38\u516c\u5f0f\u70ba\u300c70 \u6e1b\u53bb\u5be6\u969b\u5e74\u9f61\u300d\u3002\u4f8b\u5982\u4e00\u4f4d 50 \u6b72\u7684\u8cb7\u5bb6\uff0c\u5176\u6700\u9577\u5e74\u671f\u50c5\u70ba 20 [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":200,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[152,78],"tags":[317,336,315,313,311,239,276],"class_list":["post-201","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-beginner-zh-hk","category-home-buyer-guide-zh-hk","tag-317","tag-hkma-zh-hk","tag-ltv","tag-313","tag-311","tag-239","tag-276"],"jetpack_featured_media_url":"https:\/\/hk.propmark.com\/hong-kong-real-estate-blog\/wp-content\/uploads\/2026\/05\/jakub-zerdzicki-GQn9GnMkVQg-unsplash-scaled.jpg","_links":{"self":[{"href":"https:\/\/hk.propmark.com\/hong-kong-real-estate-blog\/wp-json\/wp\/v2\/posts\/201","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/hk.propmark.com\/hong-kong-real-estate-blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/hk.propmark.com\/hong-kong-real-estate-blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/hk.propmark.com\/hong-kong-real-estate-blog\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/hk.propmark.com\/hong-kong-real-estate-blog\/wp-json\/wp\/v2\/comments?post=201"}],"version-history":[{"count":4,"href":"https:\/\/hk.propmark.com\/hong-kong-real-estate-blog\/wp-json\/wp\/v2\/posts\/201\/revisions"}],"predecessor-version":[{"id":261,"href":"https:\/\/hk.propmark.com\/hong-kong-real-estate-blog\/wp-json\/wp\/v2\/posts\/201\/revisions\/261"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/hk.propmark.com\/hong-kong-real-estate-blog\/wp-json\/wp\/v2\/media\/200"}],"wp:attachment":[{"href":"https:\/\/hk.propmark.com\/hong-kong-real-estate-blog\/wp-json\/wp\/v2\/media?parent=201"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/hk.propmark.com\/hong-kong-real-estate-blog\/wp-json\/wp\/v2\/categories?post=201"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/hk.propmark.com\/hong-kong-real-estate-blog\/wp-json\/wp\/v2\/tags?post=201"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}