{"id":81,"date":"2026-05-22T12:31:56","date_gmt":"2026-05-22T04:31:56","guid":{"rendered":"https:\/\/shiyao.ltd\/hongkong\/hk-mortgage-non-permanent-resident-2026\/"},"modified":"2026-05-22T12:31:56","modified_gmt":"2026-05-22T04:31:56","slug":"hk-mortgage-non-permanent-resident-2026","status":"publish","type":"post","link":"https:\/\/shiyao.ltd\/hongkong\/hk-mortgage-non-permanent-resident-2026\/","title":{"rendered":"\u975e\u6c38\u5c45\u4e70\u623f\u8d37\u6b3e2026\uff1a7\u6210\u9996\u4ed83\u6210\uff0c9\u6210\u6709\u6761\u4ef6"},"content":{"rendered":"<p>\u80fd\u8d37\u3002\u9999\u6e2f\u975e\u6c38\u5c45\u4e70\u623f\u8d37\u6b3e\u6210\u6570\u4e0e\u6c38\u5c45\u5b8c\u5168\u76f8\u540c\uff1a\u94f6\u884c\u6700\u9ad8\u53ef\u62797\u6210\u6309\u63ed\uff0c\u9996\u4ed83\u6210\u3002\u82e5\u7533\u8bf7\u6309\u63ed\u4fdd\u9669\u5e76\u7b26\u5408\u6761\u4ef6\uff0c\u66f4\u53ef\u8d37\u8db39\u6210\uff0c\u9996\u4ed8\u4ec5\u97001\u6210\u3002\u5173\u952e\u5728\u4e8e\u4f60\u6301\u6709\u9999\u6e2f\u8eab\u4efd\u8bc1\uff0c\u4e14\u6536\u5165\u8bc1\u660e\u7b26\u5408\u94f6\u884c\u8981\u6c42\u3002<\/p>\n<p>\u90a3\u4e48\uff0c\u975e\u6c38\u5c45\u548c\u6c38\u5c45\u5728\u4e70\u623f\u8d37\u6b3e\u4e0a\u5230\u5e95\u6709\u6ca1\u6709\u533a\u522b\uff1f\u6838\u5fc3\u533a\u522b\u4e0d\u5728\u8d37\u6b3e\u6210\u6570\uff0c\u800c\u5728\u7a0e\u52a1\u548c\u5ba1\u6279\u7ec6\u8282\u3002\u4ece2024\u5e742\u670828\u65e5\u64a4\u8fa3\u8d77\uff0c\u975e\u6c38\u5c45\u4e0e\u6c38\u5c45\u5728\u4ece\u4ef7\u5370\u82b1\u7a0e\u4e0a\u5df2\u7edf\u4e00\uff0c\u4f46\u4e70\u5bb6\u5370\u82b1\u7a0e\uff08BSD\uff09\u4f9d\u7136\u5bf9\u975e\u6c38\u5c45\u5f81\u653615%\uff0c\u800c\u6c38\u5c45\u8c41\u514d\u3002\u8fd9\u7b14\u7a0e\u6309\u623f\u4ef7\u8ba1\u7b97\uff0c\u4e70\u4e00\u59571000\u4e07\u7684\u623f\u5b50\uff0c\u975e\u6c38\u5c45\u8981\u591a\u4ea4150\u4e07\u3002<\/p>\n<p>\u771f\u6b63\u7684\u5dee\u5f02\u5728\u4e8e\u6536\u5165\u8bc1\u660e\u3002\u867d\u7136\u94f6\u884c\u7406\u8bba\u4e0a\u5bf9\u975e\u6c38\u5c45\u4e5f\u62797\u6210\u6309\u63ed\uff0c\u4f46\u5b9e\u9645\u64cd\u4f5c\u4e2d\uff0c\u5982\u679c\u4f60\u7684\u6536\u5165\u4e3b\u8981\u6765\u81ea\u5185\u5730\u6216\u5883\u5916\uff0c\u94f6\u884c\u4f1a\u91cd\u70b9\u6838\u67e5\u6536\u5165\u662f\u5426\u771f\u5b9e\u3001\u5728\u9999\u6e2f\u662f\u5426\u6709\u53ef\u6838\u8bc1\u7684\u4fe1\u8d37\u8bb0\u5f55\u3001\u5728\u539f\u5c45\u5730\u662f\u5426\u6709\u5176\u4ed6\u503a\u52a1\u3002\u6b63\u5982\u6309\u8ba1\u5212\u6709\u9650\u516c\u53f8\u6267\u884c\u8463\u4e8b\u53f6\u656c\u8bda\u6307\u51fa\uff1a\u201c\u4efb\u4f55\u4e0d\u660e\u6717\u56e0\u7d20\u90fd\u53ef\u80fd\u5f71\u54cd\u94f6\u884c\u7684\u6309\u63ed\u6279\u6838\uff0c\u4f8b\u5982\u62d2\u6279\uff0c\u53c8\u6216\u6279\u51fa\uff0c\u4f46\u5728\u6309\u63ed\u6210\u6570\u4e0a\u6709\u6240\u4e0b\u8c03\u3002\u201d<\/p>\n<p>\u6c47\u4e30\u3001\u6052\u751f\u3001\u4e2d\u94f6\u8fd9\u4e09\u5927\u53d1\u949e\u884c\uff0c\u5bf9\u975e\u6c38\u5c45\u8d37\u6b3e\u7684\u653f\u7b56\u57fa\u672c\u4e00\u81f4\uff1a<br \/>\n<strong>\u6c47\u4e30<\/strong>\uff1a\u63a5\u53d7\u975e\u6c38\u5c45\u7533\u8bf7\uff0c\u6309\u63ed\u6210\u6570\u6700\u9ad87\u6210\uff0c\u6536\u5165\u8bc1\u660e\u9700\u4e3a\u9999\u6e2f\u672c\u5730\u5165\u606f\u6216\u53d7\u96c7\u4e8e\u672c\u5730\u96c7\u4e3b\u3002<br \/>\n<strong>\u6052\u751f<\/strong>\uff1a\u540c\u6837\u63a5\u53d7\uff0c\u4f46\u5bf9\u6536\u5165\u6765\u81ea\u5185\u5730\u7684\u7533\u8bf7\u4eba\uff0c\u53ef\u80fd\u8981\u6c42\u63d0\u4f9b\u989d\u5916\u8d44\u4ea7\u8bc1\u660e\u6216\u964d\u4f4e\u6210\u6570\u3002<br \/>\n<strong>\u4e2d\u94f6\u9999\u6e2f<\/strong>\uff1a\u5bf9\u975e\u6c38\u5c45\u6001\u5ea6\u6700\u53cb\u597d\uff0c\u5c24\u5176\u64c5\u957f\u5904\u7406\u5185\u5730\u6536\u5165\u5ba2\u6237\uff0c\u4f46\u540c\u6837\u8981\u6c42\u901a\u8fc7\u4f9b\u6b3e\u5360\u5165\u606f\u6bd4\u7387\uff08DSR\uff09\u6d4b\u8bd5\uff0c\u5373\u6708\u4f9b\u4e0d\u5f97\u8d85\u8fc7\u6708\u6536\u5165\u768450%\u3002<\/p>\n<p>\u538b\u529b\u6d4b\u8bd5\u600e\u4e48\u7b97\uff1f\u6839\u636e\u91d1\u7ba1\u5c40\u6700\u65b0\u6307\u5f15\uff0c2024\u5e742\u670828\u65e5\u8d77\u6240\u6709\u4f4f\u5b85\u7269\u4e1a\u4ea4\u6613\u65e0\u987b\u901a\u8fc7\u538b\u529b\u6d4b\u8bd5\u3002\u4f46\u94f6\u884c\u4ecd\u4f1a\u6309\u201c\u4f9b\u6b3e\u5360\u5165\u606f\u6bd4\u7387\u4e0a\u965050%\u201d\u6765\u5ba1\u6838\u4f60\u7684\u8fd8\u6b3e\u80fd\u529b\u3002\u7b80\u5355\u8bf4\uff0c\u4f60\u6bcf\u6708\u623f\u8d37\u8fd8\u6b3e\u4e0d\u80fd\u8d85\u8fc7\u6708\u6536\u5165\u7684\u4e00\u534a\u3002\u5982\u679c\u4f60\u7684\u6708\u6536\u5165\u662f5\u4e07\u6e2f\u5e01\uff0c\u6708\u4f9b\u6700\u591a2.5\u4e07\u3002<\/p>\n<p>\u503c\u5f97\u5173\u6ce8\u7684\u662f\uff0c\u592b\u59bb\u8054\u540d\u4e70\u623f\u65f6\uff0c\u53ea\u8981\u5176\u4e2d\u4e00\u65b9\u662f\u975e\u6c38\u5c45\uff0c\u6574\u5355\u4ea4\u6613\u5c31\u6309\u975e\u6c38\u5c45\u89c4\u5219\u5904\u7406\u3002\u8fd9\u610f\u5473\u7740<strong>\u4f60\u4eec\u5fc5\u987b\u4e00\u8d77\u7f34\u7eb315%\u7684\u4e70\u5bb6\u5370\u82b1\u7a0e<\/strong>\uff0c\u5373\u4f7f\u53e6\u4e00\u65b9\u662f\u6c38\u5c45\u3002\u8fd9\u662f\u5f88\u591a\u5bb6\u5ead\u5bb9\u6613\u5ffd\u7565\u7684\u9677\u9631\u3002<\/p>\n<blockquote><p>\u201c\u5916\u4f86\u4eba\u624d\u4f86\u6e2f\u82e5\u6301\u6709\u9999\u6e2f\u8eab\u4efd\u8b49\uff0c\u5373\u4f7f\u4e26\u672a\u5c6c\u65bc\u9999\u6e2f\u6c38\u4e45\u5c45\u6c11\u8eab\u4efd\u8b49\uff0c\u4ecd\u53ef\u540c\u6a23\u4f9d\u7167\u6309\u63ed\u4fdd\u96aa\u8a08\u5283\u7684\u73fe\u6709\u6e96\u5247\u53ca\u689d\u4ef6\u7372\u5be9\u6279\u3002\u201d\u2014\u2014\u9999\u6e2f\u7d93\u6fdf\u65e5\u5831\uff0c\u6765\u6e905<\/p><\/blockquote>\n<p>\u5173\u4e8e\u6309\u63ed\u4fdd\u9669\uff08HKMC\uff09\uff0c\u5b83\u5bf9\u975e\u6c38\u5c45\u5b8c\u5168\u5f00\u653e\u3002\u7533\u8bf7\u6761\u4ef6\u5982\u4e0b\uff1a<\/p>\n<ul>\n<li>\u7269\u4e1a\u5fc5\u987b\u81ea\u4f4f\u7528\u9014<\/li>\n<li>\u7533\u8bf7\u4eba\u987b\u4e3a\u9996\u7f6e\u4e14\u672a\u6301\u6709\u4efb\u4f55\u9999\u6e2f\u4f4f\u5b85\u7269\u4e1a<\/li>\n<li>\u56fa\u5b9a\u53d7\u85aa\u4eba\u58eb\uff0c\u63d0\u4f9b\u81f3\u5c113\u4e2a\u6708\u5165\u606f\u8bc1\u660e<\/li>\n<li>\u4e0d\u63a5\u53d7\u4e3b\u8981\u6536\u5165\u6765\u81ea\u5185\u5730\u6216\u6d77\u5916\u4eba\u58eb\u7684\u7533\u8bf7\uff0c\u9664\u975e\u53d7\u8058\u4e8e\u9999\u6e2f\u96c7\u4e3b\u6216\u6709\u76f4\u7cfb\u4eb2\u5c5e\uff08\u7236\u6bcd\/\u914d\u5076\/\u5b50\u5973\uff09\u5b9a\u5c45\u9999\u6e2f<\/li>\n<\/ul>\n<p>\u6ee1\u8db3\u4e0a\u8ff0\u6761\u4ef6\uff0c1000\u4e07\u4ee5\u4e0b\u7269\u4e1a\u53ef\u8d379\u6210\uff0c1000\u4e07\u81f31125\u4e07\u53ef\u8d378-9\u6210\uff08\u8d37\u6b3e\u4e0a\u9650900\u4e07\uff09\uff0c1125\u4e07\u81f31500\u4e07\u53ef\u8d378\u6210\u3002<\/p>\n<p>\u5982\u679c\u6536\u5165\u8bc1\u660e\u4e0d\u8db3\uff0c\u8fd8\u6709\u53e6\u4e00\u6761\u8def\uff1a\u8d44\u4ea7\u5ba1\u6279\u65b9\u5f0f\u3002\u4f60\u53ef\u4ee5\u7528\u4e2a\u4eba\u8d44\u4ea7\uff08\u5b58\u6b3e\u3001\u80a1\u7968\u3001\u57fa\u91d1\u3001\u50a8\u84c4\u4fdd\u9669\u7b49\uff09\u66ff\u4ee3\u6536\u5165\u8bc1\u660e\uff0c\u4f46\u6210\u6570\u4e0a\u9650\u4ec55\u6210\uff08\u90e8\u5206\u94f6\u884c\u53ef7\u6210\uff0c\u4f46\u8981\u6c42\u66f4\u4e25\uff09\u3002\u800c\u4e14\u5883\u5916\u8d44\u4ea7\u4f30\u503c\u901a\u5e38\u6bd4\u8f83\u4fdd\u5b88\uff0c\u6bd4\u5982\u5185\u5730\u623f\u4ea7\u53ef\u80fd\u6309\u8bc4\u4f30\u4ef7\u76846-7\u6210\u8ba1\u7b97\u3002<\/p>\n<p><!-- shiyao-sources-START --><\/p>\n<div class=\"shiyao-sources\" style=\"margin:40px 0 20px;padding:20px 24px;background:#f7f4ed;border-left:3px solid #8B7355;border-radius:4px;font-size:14px;line-height:1.8\">\n<h3 style=\"margin:0 0 12px;font-size:16px;font-weight:600;color:#3A352F;letter-spacing:.05em\">\u4fe1\u606f\u6765\u6e90<\/h3>\n<p style=\"margin:0 0 10px;color:#666;font-size:13px\">\u672c\u6587\u6574\u7406\u81ea\u4ee5\u4e0b\u516c\u5f00\u6750\u6599\uff1a<\/p>\n<ul style=\"margin:0 0 14px;padding-left:20px;color:#3A352F\">\n<li><a href=\"https:\/\/paper.hket.com\/article\/3892871\/%E6%96%B0%E9%A6%99%E6%B8%AF%E4%BA%BA%E3%80%81%E5%A2%83%E5%A4%96%E8%B2%B7%E5%AE%B6%E6%8C%89%E6%8F%AD%E9%A0%88%E7%9F%A5\" target=\"_blank\" rel=\"noopener nofollow\">\u65b0\u9999\u6e2f\u4eba\u3001\u5883\u5916\u8cb7\u5bb6\u6309\u63ed\u9808\u77e5<\/a><\/li>\n<li><a href=\"https:\/\/hk.centanet.com\/info\/rencai\/%E9%A6%99%E6%B8%AF%E8%B3%BC%E6%88%BF%E7%99%BE%E7%A7%91\" target=\"_blank\" rel=\"noopener nofollow\">\u9999\u6e2f\u8cfc\u623f\u767e\u79d1\uff5c\u4eba\u624d\u8a08\u5283\uff5c\u4e2d\u539f\u5730\u7522<\/a><\/li>\n<li><a href=\"https:\/\/www.ricamortgage.com\/2024%E5%B0%88%E6%89%8D%E7%BD%AE%E6%A5%AD%E6%8C%89%E6%8F%AD%E6%94%BB%E7%95%A5-%E7%A8%85%E9%A0%85-%E9%A6%96%E4%BB%98%E5%8F%8A%E6%88%BF%E8%B2%B8%E6%B3%A8%E6%84%8F%E4%BA%8B%E9%A0%85\" target=\"_blank\" rel=\"noopener nofollow\">\u30102024\u5c08\u624d\u7f6e\u696d\u6309\u63ed\u653b\u7565\u3011\u4e00\u6587\u770b\u6e05\u4f86\u6e2f\u7f6e\u696d\u7a05\u9805\u3001\u9996\u4ed8\u6bd4\u4f8b\u53ca\u623f\u8cb8\u6ce8\u610f\u4e8b\u9805 | \u5229\u5609\u95a3\u6309\u63ed\u4ee3\u7406\u6709\u9650\u516c\u53f8 Ricacorp Mortgage Agency Limited<\/a><\/li>\n<li><a href=\"https:\/\/www1.citibank.com.hk\/chinese\/loans\/mortgages\/mortgage-plan\/90-mortgage\" target=\"_blank\" rel=\"noopener nofollow\">9\u6210\u6309\u63ed &#8211; \u53ea\u9700\u4ed81\u6210\u9996\u671f| Citibank Hong Kong<\/a><\/li>\n<li><a href=\"https:\/\/paper.hket.com\/article\/3649844\/%E5%A4%96%E4%BE%86%E4%BA%BA%E6%89%8D%E5%9C%A8%E6%B8%AF%E5%8F%AF%E9%80%A09%E6%88%90%E6%8C%89%E6%8F%AD%E5%97%8E%EF%BC%9F\" target=\"_blank\" rel=\"noopener nofollow\">\u5916\u4f86\u4eba\u624d\u5728\u6e2f\u53ef\u90209\u6210\u6309\u63ed\u55ce\uff1f<\/a><\/li>\n<li><a href=\"http:\/\/ebook.jdonline.com.hk\/MB\/content\/202408\/05\/content_3241287.html\" target=\"_blank\" rel=\"noopener nofollow\">\u5167\u5730\u5ba2\u4f86\u6e2f\u8cb7\u6a13\u5e38\u898b\u554f\u984c\u4f60\u554f\u6211\u7b54_\u7d93\u6fdf\u5c0e\u5831<\/a><\/li>\n<li><a href=\"https:\/\/www.asia.ccb.com\/hongkong_tc\/personal\/crossborder_services\/mortgage-china.html\" target=\"_blank\" rel=\"noopener nofollow\">\u5167\u623f\u6309\u63ed\u8cb8\u6b3e | \u8de8\u5883\u91d1\u878d\u670d\u52d9 &#8211; \u4e2d\u570b\u5efa\u8a2d\u9280\u884c(\u4e9e\u6d32)<\/a><\/li>\n<li><a href=\"https:\/\/www.fwd.com.hk\/zh\/blog\/wealth\/mortgage-application\" target=\"_blank\" rel=\"noopener nofollow\">\u3010\u8cb7\u6a13\u61f6\u4eba\u5305\u3011\u9996\u7f6e\u7533\u8acb9\u6210\u6309\u63ed\uff1f4\u5927\u91cd\u9ede\u53ca\u6309\u63ed\u4fdd\u96aa\u8a08\u7b97\u65b9\u6cd5<\/a><\/li>\n<\/ul>\n<p style=\"margin:0;color:#777;font-size:12.5px;font-style:italic\">\u672c\u6587\u7531 Dion \u6574\u7406\u4e0e\u64b0\u5199\uff0c\u7ed3\u5408 AI \u5de5\u5177\u8f85\u52a9\u3002\u5982\u6709\u4e8b\u5b9e\u9519\u8bef\uff0c\u8bf7\u901a\u8fc7\u9875\u811a\u8054\u7cfb\u65b9\u5f0f\u53cd\u9988\u3002<\/p>\n<\/div>\n<p><!-- shiyao-sources-END 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