《本地樓市》按保計劃修訂 樓花與已落成住宅物業看齊 1,000萬元或以下最多可借九成
按證保險公司今日(22日)傍晚宣布,按揭保險計劃(按保計劃)就樓花住宅物業作出修訂,使適用的合資格準則與已落成住宅物業看齊。
經修訂後:
1.價格為1,000萬港元或以下的合資格樓花物業,最高按揭保險成數為九成;
2.價格為1,000萬港元以上至1,500萬港元的合資格樓花物業,最高按揭保險成數為八成或以按揭貸款上限900萬港元計算的成數,以較高者為準;及
3.價格為1,500萬港元以上至3,000萬港元的合資格樓花物業,最高按揭保險成數為七成或以按揭貸款上限1,200萬港元計算的成數,以較高者為準。
經上述修訂的合資格準則,將適用於今年9月22日或以後簽訂臨時買賣合約的自住物業的相關樓花按揭。
此前,按保計劃只能為物業價格600萬港元或以下的樓花住宅物業提供按揭保險。按證保險公司作出是次修訂,是考慮到物業市場情況及自身的業務及風險,旨在讓按保計劃進一步協助市民置業安居。
Follow us
Find us on
Facebook,
Twitter ,
Instagram, and
YouTube or frequent updates on all things investing.Have a financial topic you would like to discuss? Head over to the
uSMART Community to share your thoughts and insights about the market! Click the picture below to download and explore uSMART app!

Disclaimers
uSmart Securities Limited (“uSmart”) is based on its internal research and public third party information in preparation of this article. Although uSmart uses its best endeavours to ensure the content of this article is accurate, uSmart does not guarantee the accuracy, timeliness or completeness of the information of this article and is not responsible for any views/opinions/comments in this article. Opinions, forecasts and estimations reflect uSmart’s assessment as of the date of this article and are subject to change. uSmart has no obligation to notify you or anyone of any such changes. You must make independent analysis and judgment on any matters involved in this article. uSmart and any directors, officers, employees or agents of uSmart will not be liable for any loss or damage suffered by any person in reliance on any representation or omission in the content of this article. The content of the article is for reference only and does not constitute any offer, solicitation, recommendation, opinion or guarantee of any securities, virtual assets, financial products or instruments. Regulatory authorities may restrict the trading of virtual asset-related ETFs to only investors who meet specified requirements. Any calculations or images in the article are for illustrative purposes only.
Investment involves risks and the value and income from securities may rise or fall. Past performance is not indicative of future performance. Please carefully consider your personal risk tolerance, and consult independent professional advice if necessary.