居屋貸款二按最佳方案

居屋貸款二按,貸款期限的長短取決於購房者或房產投資者的實際經濟情況或投資愛好。一般以居住為目的的居屋貸款二按者,大多會避免付過多利息而選擇中短期貸款。當然前提條件是資金來源相對穩定,比這種中短期貸款較適用於工薪階層。對於一些資金充裕,以投資為目的的居屋貸款二按者,他們會選擇長期貸款,同時讓居屋對外做出投資,這樣投資的回報,除了能償還長期借貸外還可以有贏餘,這樣達到了投資的目的。無論是購房還是投資,都要根據自己的信貸能力和需要,去選擇適合自己的最佳按揭貸款服務。

村屋二按主要風險及防范要點

按揭村屋竣工風險

嚴格村屋標準法人資格、能力、業績及素質

虛假村屋二按風險

村屋二按人信用風險

了解村屋二按居屋二按人及其配偶信用記錄核審是否有或者曾經有負債情況對其以往的還款能力作出評估,看其還款是否持久性和穩定性

抵押擔保不落實風險

雙方的合同條款要註明雙方責任義務以及違約處罰條例作好登記管理工作,明確責任人對抵押登記手續的督辦

假權證風險

對己辦理的抵押物業定期核實及時發現物業因人為或自然災害造成物業貶值

香港信貸財務清卡數助您即時以低息清卡數,還可以大幅節省利息支出。將未清还的的新簽賬以現今提款的方式結算,大大加重了卡主利息負擔,幫助您早日的擺脫卡數枷鎖,讓您清卡數就是這麼的簡單。另外我們在做生意的時候經常會遇到,資金周轉不靈。而導致失去投資的好時機,有時甚至會導致經濟損失。生意周轉不靈的時候很多人第一時間想到的是銀行,可是在想下著對中小企業和個體商戶來說向銀行借錢來生意周轉門檻太高。而且現在很多的銀行不接受抵押,這時我們可以找貸款公司,來幫我們此次生意周轉所需要的資金,而且門檻相對比較低。

Founded in 1996, Hong Kong Finance Company Limited is a principal member of Hong Kong Finance Group Limited, a company listed on the Main Board of the Hong Kong Stock Exchange in October 2013 (Stock code: 1273). We are the first Hong Kong listed company specialising in property mortgage with solid financial background and high transparency. A major reason for our success has been the reputation we have established over the years. We are always the first choice of mortgage among the property owners. We are the best mortgage platform for property owners.


Hong Kong Finance continues to provide "professional, reliable, and flexible" mortgage services. Our experienced mortgage managers provide customized, property-pledged mortgage solutions based on clients' specific needs.


Creating a harmonious community is one of the key targets in Hong Kong Finance's vision of building and maintaining a sustainable business. We continued our commitment to making donations to and sponsoring various reputable charity partners. Our strong CSR and outstanding services have won wide recognition in the market, furnishing us with a solid reputation as the most reliable lender in Hong Kong.

$0