{"id":204,"date":"2026-05-19T15:00:41","date_gmt":"2026-05-19T07:00:41","guid":{"rendered":"https:\/\/hk.propmark.com\/hong-kong-real-estate-blog\/?p=204"},"modified":"2026-05-20T13:24:05","modified_gmt":"2026-05-20T05:24:05","slug":"hkma-mortgage-rules-guide-2","status":"publish","type":"post","link":"https:\/\/hk.propmark.com\/hong-kong-real-estate-blog\/zh-cn\/hkma-mortgage-rules-guide-2\/","title":{"rendered":"\u30102026 \u9999\u6e2f\u7f6e\u4e1a\u6307\u5357\u3011\u91d1\u7ba1\u5c40\u6309\u63ed\u89c4\u5219\u5168\u653b\u7565\uff1a\u9996\u671f\u3001\u538b\u529b\u6d4b\u8bd5\u4e0e\u501f\u8d37\u4e0a\u9650"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\" id=\"p-rc_78be6700f31db690-1759\">\u5728\u60a8\u5f00\u59cb\u8ba4\u771f\u770b\u623f\u4e4b\u524d\uff0c\u5fc5\u987b\u5148\u4e86\u89e3\u81ea\u5df1\u7684\u501f\u8d37\u80fd\u529b\uff0c\u4ee5\u53ca\u9999\u6e2f\u94f6\u884c\u76d1\u7ba1\u673a\u6784\u662f\u5982\u4f55\u8bc4\u4f30\u8d37\u6b3e\u7533\u8bf7\u7684 <sup><\/sup>\u3002\u8bb8\u591a\u4e70\u5bb6\u5728\u6574\u4e2a\u8fc7\u7a0b\u4e2d\uff0c\u5f80\u5f80\u53ea\u5173\u6ce8\u7269\u4e1a\u7684\u666f\u89c2\u6216\u5730\u6bb5\uff0c\u5374\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> <sup><\/sup>\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"p-rc_78be6700f31db690-1760\">\u91d1\u7ba1\u5c40\u7684\u89c4\u5219\u4e0d\u4ec5\u51b3\u5b9a\u4e86\u60a8\u9700\u8981\u51c6\u5907\u591a\u5c11\u300c\u9996\u671f\u300d\uff08Down Payment\uff09\uff0c\u66f4\u76f4\u63a5\u5f71\u54cd\u4e86\u60a8\u7684\u300c\u501f\u8d37\u80fd\u529b\u300d\uff08Borrowing Power\uff09 <sup><\/sup>\u3002\u672c\u6587\u5c06\u6df1\u5165\u89e3\u6790\u91d1\u7ba1\u5c40\u6700\u65b0\u7684\u6309\u63ed\u6846\u67b6\uff0c\u52a9\u60a8\u5728\u7f6e\u4e1a\u8def\u4e0a\u907f\u5f00\u8d22\u52a1\u9677\u9631 <sup><\/sup>\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u4e3a\u4ec0\u4e48\u91d1\u7ba1\u5c40\u8981\u5236\u5b9a\u6309\u63ed\u89c4\u5219\uff1f<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"p-rc_78be6700f31db690-1761\">\u9999\u6e2f\u91d1\u878d\u7ba1\u7406\u5c40\uff08HKMA\uff09\u4f5c\u4e3a\u672c\u6e2f\u7684\u4e2d\u592e\u94f6\u884c\u673a\u6784\u53ca\u76d1\u7ba1\u8005\uff0c\u5176\u5236\u5b9a\u7684\u4f4f\u5b85\u6309\u63ed\u8d37\u6b3e\u89c4\u5219\u662f\u7ef4\u6301\u91d1\u878d\u7a33\u5b9a\u7684\u57fa\u77f3 <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\u8fc7\u5ea6\u501f\u8d37\uff1a<\/strong> \u786e\u4fdd\u4e70\u5bb6\u5728\u5229\u7387\u4e0a\u5347\u65f6\uff0c\u4ecd\u6709\u8db3\u591f\u7684\u8fd8\u6b3e\u80fd\u529b \u3002<\/li>\n\n\n\n<li><strong>\u7ef4\u62a4\u94f6\u884c\u4f53\u7cfb\u5b89\u5168\uff1a<\/strong> \u9632\u6b62\u56e0\u623f\u4ef7\u5927\u5e45\u6ce2\u52a8\u5bfc\u81f4\u94f6\u884c\u51fa\u73b0\u5927\u91cf\u574f\u8d26 \u3002<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"p-rc_78be6700f31db690-1764\">\u8fd9\u4e9b\u89c4\u5219\u9002\u7528\u4e8e\u6240\u6709\u5728\u9999\u6e2f\u83b7\u53d1\u724c\u7167\u7684\u94f6\u884c\uff0c\u5e76\u901a\u8fc7\u300a\u76d1\u7ba1\u653f\u7b56\u624b\u518c\u300b(SPM) \u4e25\u683c\u6267\u884c <sup><\/sup>\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u6309\u63ed\u6210\u6570 (LTV) \u6bd4\u4f8b\u8be6\u89e3\uff1a\u60a8\u9700\u8981\u591a\u5c11\u9996\u671f\uff1f<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"p-rc_78be6700f31db690-1765\">\u6309\u63ed\u6210\u6570\u300d\uff08Loan-to-Value Ratio\uff09\u662f\u6307\u8d37\u6b3e\u989d\u4e0e\u7269\u4e1a\u4ef7\u503c\u7684\u6bd4\u4f8b <sup><\/sup>\u3002\u6839\u636e\u91d1\u7ba1\u5c40\u7684\u6700\u65b0\u89c4\u5219\uff0c\u6309\u63ed\u4e0a\u9650\u53d7\u7269\u4e1a\u4ef7\u503c\u53ca\u501f\u6b3e\u4eba\u8eab\u4efd\u5f71\u54cd <sup><\/sup>\uff1a<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u81ea\u4f4f\u7269\u4e1a\u7684\u6807\u51c6\u4e0a\u9650<\/h3>\n\n\n\n<figure class=\"wp-block-table is-style-regular\"><table class=\"has-fixed-layout\"><thead><tr><td><strong>\u7269\u4e1a\u4ef7\u503c (HKD)<\/strong><\/td><td><strong>\u6700\u9ad8\u6309\u63ed\u6210\u6570 (\u9999\u6e2f\u6c38\u4e45\u5c45\u6c11 \/ \u81ea\u4f4f)<\/strong><\/td><td><strong>\u6700\u9ad8\u6309\u63ed\u6210\u6570 (\u975e\u9999\u6e2f\u6c38\u4e45\u5c45\u6c11)<\/strong><\/td><\/tr><\/thead><tbody><tr><td>\u4efb\u4f55\u4ef7\u503c<\/td><td><strong>70%<\/strong><\/td><td><strong>60%<\/strong><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">\u9996\u7f6e\u6551\u661f\uff1a\u9999\u6e2f\u6309\u63ed\u8bc1\u5238\u516c\u53f8 (HKMC) \u6309\u63ed\u4fdd\u9669<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"p-rc_78be6700f31db690-1770\">\u5bf9\u4e8e\u7f3a\u4e4f\u9996\u671f\u7684\u9999\u6e2f\u6c38\u4e45\u5c45\u6c11\uff0c\u300c\u6309\u63ed\u4fdd\u9669\u8ba1\u5212\u300d\u662f\u5165\u5e02\u7684\u5173\u952e <sup><\/sup>\u3002\u901a\u8fc7\u652f\u4ed8\u4e00\u7b14\u6309\u63ed\u4fdd\u9669\u8d39\uff0c\u60a8\u53ef\u4ee5\u501f\u5230\u9ad8\u4e8e\u91d1\u7ba1\u5c40\u89c4\u5b9a\u7684\u6210\u6570 <sup><\/sup>\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>1,000 \u4e07\u5143\u4ee5\u4e0b\uff1a<\/strong> \u6700\u9ad8\u53ef\u505a <strong>90% \u6309\u63ed<\/strong>\uff0c\u8fd9\u610f\u5473\u7740\u8d2d\u4e70\u4e00\u95f4 800 \u4e07\u7684\u5355\u4f4d\uff0c\u9996\u671f\u53ea\u9700 80 \u4e07 \u3002<\/li>\n\n\n\n<li><strong>1,000 \u4e07\u81f3 3,000 \u4e07\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\u6761\u4ef6\uff1a<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u5fc5\u987b\u6301\u6709\u6709\u6548\u7684\u9999\u6e2f\u8eab\u4efd\u8bc1\u3002<\/li>\n\n\n\n<li>\u5fc5\u987b\u4e3a<strong>\u9996\u6b21\u7f6e\u4e1a<\/strong>\uff08\u5373\u540d\u4e0b\u76ee\u524d\u6ca1\u6709\u9999\u6e2f\u4f4f\u5b85\u7269\u4e1a\uff09 \u3002<\/li>\n\n\n\n<li>\u7269\u4e1a\u5fc5\u987b\u4ec5\u4f9b<strong>\u81ea\u4f4f<\/strong> \u3002<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">\u8d1f\u62c5\u80fd\u529b\u7684\u6838\u5fc3\uff1a\u4f9b\u6b3e\u4e0e\u5165\u606f\u6bd4\u7387 (DSR)<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"p-rc_78be6700f31db690-1777\">\u91d1\u7ba1\u5c40\u4e0d\u4ec5\u76d1\u7ba1\u300c\u9996\u671f\u300d\uff0c\u8fd8\u4f1a\u76d1\u7ba1\u300c\u4f9b\u6b3e\u300d <sup><\/sup>\u3002DSR \u662f\u8861\u91cf\u60a8\u6bcf\u6708\u8fd8\u6b3e\u652f\u51fa\u4e0e\u6bcf\u6708\u603b\u6536\u5165\u7684\u6bd4\u4f8b <sup><\/sup>\u3002<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>50% \u7684\u786c\u6027\u6307\u6807\uff1a<\/strong> \u60a8\u7684\u6bcf\u6708\u603b\u503a\u52a1\u8d1f\u62c5\uff08\u5305\u542b\u65b0\u6309\u63ed\u3001\u8f66\u8d37\u3001\u79c1\u4eba\u8d37\u6b3e\u3001\u5361\u6570\u7b49\uff09\u4e0d\u5f97\u8d85\u8fc7\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\u73b0\u6709\u7269\u4e1a\u7684\u79df\u91d1\u4f5c\u4e3a\u5165\u606f\u8bc1\u660e\uff0c\u94f6\u884c\u4f1a\u5957\u7528 <strong>20-30% \u7684\u300c\u6298\u6263\u300d\uff08Haircut\uff09<\/strong> \u3002\u8fd9\u610f\u5473\u7740 10,000 \u5143\u7684\u79df\u91d1\uff0c\u94f6\u884c\u53ef\u80fd\u53ea\u627f\u8ba4 7,000 \u5143\u4f5c\u4e3a\u60a8\u7684\u5165\u606f \u3002<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u5173\u952e\u8d22\u52a1\u51b3\u5b9a\uff1a\u6309\u63ed\u5e74\u671f\u4e0e\u5229\u7387\u7c7b\u578b<\/strong> <\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">1. \u8d37\u6b3e\u5e74\u671f (Loan Term) <\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u9999\u6e2f\u7684\u6309\u63ed\u5e74\u671f\u4e0a\u9650\u4e3a <strong>30 \u5e74<\/strong> \u3002\u4f46\u94f6\u884c\u4f1a\u5b9e\u884c\u300c<strong>\u4eba\u9f84\u9650\u5236<\/strong>\u300d\uff0c\u901a\u5e38\u516c\u5f0f\u4e3a\u300c70 \u51cf\u53bb\u5b9e\u9645\u5e74\u9f84\u300d \u3002\u4f8b\u5982\u4e00\u4f4d 50 \u5c81\u7684\u4e70\u5bb6\uff0c\u5176\u6700\u957f\u5e74\u671f\u4ec5\u4e3a 20 \u5e74 \u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2. \u5229\u7387\u9009\u62e9\uff1aH \u6309 vs P \u6309<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>H \u6309 (HIBOR-linked)\uff1a<\/strong> \u968f\u94f6\u884c\u540c\u4e1a\u62c6\u606f\u6ce2\u52a8 \u3002\u76ee\u524d\u591a\u6570 H \u6309\u90fd\u8bbe\u6709\u300c\u9501\u606f\u4e0a\u9650\u300d\u4ee5\u4fdd\u969c\u4e70\u5bb6 \u3002<\/li>\n\n\n\n<li><strong>P \u6309 (Prime-linked)\uff1a<\/strong> \u968f\u6700\u4f18\u60e0\u5229\u7387\u53d8\u52a8\uff0c\u7a33\u5b9a\u6027\u8f83\u9ad8\uff0c\u9002\u5408\u4e0d\u559c\u6b22\u5229\u7387\u9891\u7e41\u6ce2\u52a8\u7684\u4fdd\u5b88\u578b\u4e70\u5bb6 \u3002<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"p-rc_78be6700f31db690-1788\"><strong>\u63d0\u5347\u501f\u8d37\u80fd\u529b\u7684 4 \u5927\u4e13\u4e1a\u5efa\u8bae<\/strong> <sup><\/sup><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u6e05\u7406\u96f6\u6563\u503a\u52a1\uff1a<\/strong> \u5728\u7533\u8bf7\u6309\u63ed\u524d\uff0c\u5e94\u5c3d\u65e9\u6e05\u8fd8\u6240\u6709\u79c1\u4eba\u8d37\u6b3e\u3001\u8f66\u8d37\u6216\u5206\u671f\u4ed8\u6b3e \u3002\u5373\u4fbf\u662f\u6bcf\u6708\u51e0\u767e\u5143\u7684\u4f9b\u6b3e\uff0c\u4e5f\u4f1a\u51cf\u5c11\u60a8\u51e0\u5341\u4e07\u7684\u6309\u63ed\u989d\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\u4e1a\uff0c\u786e\u4fdd\u79df\u7ea6\u5df2\u5398\u5370\uff0c\u4ee5\u4fbf\u5c06\u79df\u91d1\u8ba1\u5165\u5165\u606f \u3002<\/li>\n\n\n\n<li><strong>\u5ba1\u614e\u8003\u8651\u5e74\u671f\uff1a<\/strong> \u5982\u679c\u4e3a\u4e86\u8fc7\u538b\u529b\u6d4b\u8bd5\uff0c\u6709\u65f6\u9700\u8981\u62c9\u957f\u5e74\u671f\u81f3 30 \u5e74 \u3002<\/li>\n\n\n\n<li><strong>\u8d27\u6bd4\u4e09\u5bb6\uff1a<\/strong> \u4e0d\u540c\u94f6\u884c\u5bf9\u81ea\u96c7\u4eba\u58eb\u6216\u975e\u672c\u5730\u5165\u606f\u7684\u5ba1\u6838\u5f39\u6027\u5927\u76f8\u5f84\u5ead\uff0c\u5efa\u8bae\u54a8\u8be2\u4e13\u4e1a\u6309\u63ed\u7ecf\u7eaa \u3002<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"p-rc_78be6700f31db690-1793\"><strong>\u5e38\u89c1\u95ee\u9898 (FAQ)<\/strong> <sup><\/sup><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Q: \u4ec0\u4e48\u662f\u300c\u9996\u7f6e\u4eba\u58eb\u300d\uff1f<\/strong>\n<ul class=\"wp-block-list\">\n<li><strong>A:<\/strong> \u5728\u7533\u8bf7\u6309\u63ed\u65f6\uff0c\u540d\u4e0b\u6ca1\u6709\u6301\u6709\u4efb\u4f55\u9999\u6e2f\u4f4f\u5b85\u7269\u4e1a\u7684\u9999\u6e2f\u6c38\u4e45\u5c45\u6c11 \u3002<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Q: \u975e\u6c38\u4e45\u5c45\u6c11\u53ef\u4ee5\u7533\u8bf7 90% \u6309\u63ed\u5417\uff1f<\/strong>\n<ul class=\"wp-block-list\">\n<li><strong>A:<\/strong> \u53ef\u4ee5\u3002HKMC \u7684 90% \u9ad8\u6210\u6570\u6309\u63ed\u5e76\u975e\u4ec5\u9650\u4e8e\u9999\u6e2f\u6c38\u4e45\u6027\u5c45\u6c11 \u3002<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Q: \u5982\u679c\u6211\u6709\u4fe1\u7528\u5361\u5206\u671f\u4ed8\u6b3e\uff0c\u4f1a\u5f71\u54cd\u4e70\u697c\u5417\uff1f<\/strong>\n<ul class=\"wp-block-list\">\n<li><strong>A:<\/strong> \u4f1a\u3002\u6240\u6709\u5206\u671f\u4ed8\u6b3e\u90fd\u4f1a\u8ba1\u5165\u60a8\u7684 DSR \u8ba1\u7b97\u4e2d\uff0c\u76f4\u63a5\u964d\u4f4e\u60a8\u7684\u53ef\u501f\u8d37\u91d1\u989d \u3002<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"p-rc_78be6700f31db690-1800\"><strong>\u7ed3\u8bba<\/strong> <sup><\/sup><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"p-rc_78be6700f31db690-1801\">\u9999\u6e2f\u7684\u6309\u63ed\u89c4\u5219\u867d\u7136\u7e41\u7410\uff0c\u4f46\u5176\u76ee\u7684\u662f\u4e3a\u4e86\u4fdd\u969c\u60a8\u7684\u8d22\u52a1\u5065\u5eb7 <sup><\/sup>\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u5728\u60a8\u5f00\u59cb\u8ba4\u771f\u770b\u623f\u4e4b\u524d\uff0c\u5fc5\u987b\u5148\u4e86\u89e3\u81ea\u5df1\u7684\u501f\u8d37\u80fd\u529b\uff0c\u4ee5\u53ca\u9999\u6e2f\u94f6\u884c\u76d1\u7ba1\u673a\u6784\u662f\u5982\u4f55\u8bc4\u4f30\u8d37\u6b3e\u7533\u8bf7\u7684 \u3002\u8bb8\u591a\u4e70\u5bb6\u5728\u6574\u4e2a\u8fc7\u7a0b\u4e2d\uff0c\u5f80\u5f80\u53ea\u5173\u6ce8\u7269\u4e1a\u7684\u666f\u89c2\u6216\u5730\u6bb5\uff0c\u5374\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\u89c4\u5219\u4e0d\u4ec5\u51b3\u5b9a\u4e86\u60a8\u9700\u8981\u51c6\u5907\u591a\u5c11\u300c\u9996\u671f\u300d\uff08Down Payment\uff09\uff0c\u66f4\u76f4\u63a5\u5f71\u54cd\u4e86\u60a8\u7684\u300c\u501f\u8d37\u80fd\u529b\u300d\uff08Borrowing Power\uff09 \u3002\u672c\u6587\u5c06\u6df1\u5165\u89e3\u6790\u91d1\u7ba1\u5c40\u6700\u65b0\u7684\u6309\u63ed\u6846\u67b6\uff0c\u52a9\u60a8\u5728\u7f6e\u4e1a\u8def\u4e0a\u907f\u5f00\u8d22\u52a1\u9677\u9631 \u3002 \u4e3a\u4ec0\u4e48\u91d1\u7ba1\u5c40\u8981\u5236\u5b9a\u6309\u63ed\u89c4\u5219\uff1f \u9999\u6e2f\u91d1\u878d\u7ba1\u7406\u5c40\uff08HKMA\uff09\u4f5c\u4e3a\u672c\u6e2f\u7684\u4e2d\u592e\u94f6\u884c\u673a\u6784\u53ca\u76d1\u7ba1\u8005\uff0c\u5176\u5236\u5b9a\u7684\u4f4f\u5b85\u6309\u63ed\u8d37\u6b3e\u89c4\u5219\u662f\u7ef4\u6301\u91d1\u878d\u7a33\u5b9a\u7684\u57fa\u77f3 \u3002\u5176\u6838\u5fc3\u76ee\u7684\u6709\u4e8c\uff1a \u8fd9\u4e9b\u89c4\u5219\u9002\u7528\u4e8e\u6240\u6709\u5728\u9999\u6e2f\u83b7\u53d1\u724c\u7167\u7684\u94f6\u884c\uff0c\u5e76\u901a\u8fc7\u300a\u76d1\u7ba1\u653f\u7b56\u624b\u518c\u300b(SPM) \u4e25\u683c\u6267\u884c \u3002 \u6309\u63ed\u6210\u6570 (LTV) \u6bd4\u4f8b\u8be6\u89e3\uff1a\u60a8\u9700\u8981\u591a\u5c11\u9996\u671f\uff1f \u6309\u63ed\u6210\u6570\u300d\uff08Loan-to-Value Ratio\uff09\u662f\u6307\u8d37\u6b3e\u989d\u4e0e\u7269\u4e1a\u4ef7\u503c\u7684\u6bd4\u4f8b \u3002\u6839\u636e\u91d1\u7ba1\u5c40\u7684\u6700\u65b0\u89c4\u5219\uff0c\u6309\u63ed\u4e0a\u9650\u53d7\u7269\u4e1a\u4ef7\u503c\u53ca\u501f\u6b3e\u4eba\u8eab\u4efd\u5f71\u54cd \uff1a \u81ea\u4f4f\u7269\u4e1a\u7684\u6807\u51c6\u4e0a\u9650 \u7269\u4e1a\u4ef7\u503c (HKD) \u6700\u9ad8\u6309\u63ed\u6210\u6570 (\u9999\u6e2f\u6c38\u4e45\u5c45\u6c11 \/ \u81ea\u4f4f) \u6700\u9ad8\u6309\u63ed\u6210\u6570 (\u975e\u9999\u6e2f\u6c38\u4e45\u5c45\u6c11) \u4efb\u4f55\u4ef7\u503c 70% 60% \u9996\u7f6e\u6551\u661f\uff1a\u9999\u6e2f\u6309\u63ed\u8bc1\u5238\u516c\u53f8 (HKMC) \u6309\u63ed\u4fdd\u9669 \u5bf9\u4e8e\u7f3a\u4e4f\u9996\u671f\u7684\u9999\u6e2f\u6c38\u4e45\u5c45\u6c11\uff0c\u300c\u6309\u63ed\u4fdd\u9669\u8ba1\u5212\u300d\u662f\u5165\u5e02\u7684\u5173\u952e \u3002\u901a\u8fc7\u652f\u4ed8\u4e00\u7b14\u6309\u63ed\u4fdd\u9669\u8d39\uff0c\u60a8\u53ef\u4ee5\u501f\u5230\u9ad8\u4e8e\u91d1\u7ba1\u5c40\u89c4\u5b9a\u7684\u6210\u6570 \uff1a \u6838\u5fc3\u6761\u4ef6\uff1a \u8d1f\u62c5\u80fd\u529b\u7684\u6838\u5fc3\uff1a\u4f9b\u6b3e\u4e0e\u5165\u606f\u6bd4\u7387 (DSR) \u91d1\u7ba1\u5c40\u4e0d\u4ec5\u76d1\u7ba1\u300c\u9996\u671f\u300d\uff0c\u8fd8\u4f1a\u76d1\u7ba1\u300c\u4f9b\u6b3e\u300d \u3002DSR \u662f\u8861\u91cf\u60a8\u6bcf\u6708\u8fd8\u6b3e\u652f\u51fa\u4e0e\u6bcf\u6708\u603b\u6536\u5165\u7684\u6bd4\u4f8b \u3002 \u5173\u952e\u8d22\u52a1\u51b3\u5b9a\uff1a\u6309\u63ed\u5e74\u671f\u4e0e\u5229\u7387\u7c7b\u578b 1. \u8d37\u6b3e\u5e74\u671f (Loan Term) \u9999\u6e2f\u7684\u6309\u63ed\u5e74\u671f\u4e0a\u9650\u4e3a 30 \u5e74 \u3002\u4f46\u94f6\u884c\u4f1a\u5b9e\u884c\u300c\u4eba\u9f84\u9650\u5236\u300d\uff0c\u901a\u5e38\u516c\u5f0f\u4e3a\u300c70 [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":200,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[171,154],"tags":[321,339,342,319,345,333,348],"class_list":["post-204","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-home-buyer-guide-zh-cn","category-beginner-zh-cn","tag-321","tag-hkma-zh-cn","tag-ltv-zh-cn","tag-319","tag--zh-cn"],"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\/204","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=204"}],"version-history":[{"count":3,"href":"https:\/\/hk.propmark.com\/hong-kong-real-estate-blog\/wp-json\/wp\/v2\/posts\/204\/revisions"}],"predecessor-version":[{"id":262,"href":"https:\/\/hk.propmark.com\/hong-kong-real-estate-blog\/wp-json\/wp\/v2\/posts\/204\/revisions\/262"}],"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=204"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/hk.propmark.com\/hong-kong-real-estate-blog\/wp-json\/wp\/v2\/categories?post=204"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/hk.propmark.com\/hong-kong-real-estate-blog\/wp-json\/wp\/v2\/tags?post=204"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}