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1. www.hkmc.com.hk › chi › our_business按揭保險計劃 - The Hong Kong Mortgage Corporation Limited

   www.hkmc.com.hk › chi › our_business

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   The Hong Kong Mortgage Corporation Limited. 按揭保險計劃. 助您輕鬆置業. 計劃簡介. 按揭保險計劃於1999年3月由香港按揭證券有限公司（按揭證券公司）推出，以協助市民在香港安居置業。 按揭保險計劃之業務已於2018年5月1日起轉移至香港按證保險有限公司 ﹙按證保險公司） 並由其經營。 按證保險公司為一所由按揭證券公司全資擁有之附屬公司。 根據由香港金融管理局發佈的指引，銀行在敍造自住物業按揭貸款的時候，須遵守按揭成數上限的規定。 而按揭保險計劃則為銀行提供按揭保險，使銀行可以提供高成數的按揭貸款而毋須承擔額外的風險。 按揭保險計劃下，只要申請個案符合相關條件（例如樓價上限及貸款額上限等），銀行可以提供最高達八成按揭貸款。

   • 保單逆按計劃

     保單逆按計劃 - 按揭保險計劃 - The Hong Kong Mortgage ...

   • 定息按揭計劃

     定息按揭計劃 - 按揭保險計劃 - The Hong Kong Mortgage ...

   • 按揭保險計劃數據

     按揭保險計劃數據 - 按揭保險計劃 - The Hong Kong ...

   • 見習經理計劃

     The Hong Kong Mortgage Corporation Limited (HKMC) is ...

   • 中期債券發行計劃

     The Hong Kong Mortgage Corporation Limited 為了在國際市 ...

   • 中小企融資擔保計劃

     中小企融資擔保計劃 - 按揭保險計劃 - The Hong Kong ...

   • 百分百擔保個人特惠貸款計劃

     百分百擔保個人特惠貸款計劃 - 按揭保險計劃 - The Hong ...

   • 按揭證券化

     按揭證券化 - 按揭保險計劃 - The Hong Kong Mortgage ...

2. www.hkmc.com.hk › eng › our_businessMortgage Insurance Programme

   www.hkmc.com.hk › eng › our_business

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   The insurance cover shall take effect after the premium is received by the HKMCI. If required, homebuyers can choose to finance the premium on top of their mortgage loans. Maximum LTV Ratio. (applicable for provisional agreements for sale and purchase on or after 7 July 2023)

3. 其他人也問了

   What is hkmci mortgage insurance?

   • The HKMCI provides mortgage insurance to enable buyers of the subsidised sale flats under the Home Ownership Scheme Secondary Market Scheme of the Hong Kong Housing Authority to apply for mortgage loans of up to 95% LTV ratio for Green Form applicants (or up to 90% LTV ratio for White Form applicants) with effect from 1 March 2024.

   Mortgage Insurance Programme

   www.hkmc.com.hk/eng/our_business/mortgage_insurance_programme.html

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   Who pays HKMC mortgage insurance premium?

   • Under the Mortgage Insurance Programme, the insured party is the mortgagee bank in principle. However, in practice, the insurance premium is usually borne by the mortgagor. The mortgagor can choose to pay the insurance premium in one of the following ways: a. The premium is paid to HKMC in one lump sum when the relevant mortgage loan is drawn down.

   Mortgage Insurance Programme : Eligibility and Premium - EAA

   www.eaa.org.hk/en-us/Information-Centre/Publications/Monograph-Mortgages/Mortgage-Insurance-Programme-Eligibility-and-Pre

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   Does hkmci offer a premium discount for first-time homebuyers?

   • HKMCI will provide first-time homebuyers with special premium concession for properties valued up to HK$15 million, by waiving premium on insurance coverage for the mortgage loan portion not more than 5% above the maximum LTV ratio for banks (Notes 1 and 2). HKMCI has been offering a 35% premium discount to homebuyers in general.

   Amendments to the Mortgage Insurance Programme

   www.hkma.gov.hk/eng/news-and-media/press-releases/2023/07/20230707-5/

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   Who owns the mortgage insurance programme in Hong Kong?

   • The Mortgage Insurance Programme ("MIP") was launched by The Hong Kong Mortgage Corporation Limited ("HKMC") in March 1999 for promoting home ownership in Hong Kong. The MIP business has been transferred to and carried out by HKMC Insurance Limited ("HKMCI"), a wholly-owned subsidiary of the HKMC, with effect from 1 May 2018.

   Mortgage Insurance Programme

   www.hkmc.com.hk/eng/our_business/mortgage_insurance_programme.html

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4. www.hkmc.com.hk › files › product_file按揭保險計劃按揭保費一覽表 表1 - 保險範圍由按揭成數 60%

   www.hkmc.com.hk › files › product_file

   按揭成數. 30. 4.38. 1.95. 0.77. 定息按揭 – 即香港按揭證券有限公司定息按揭計劃之產品 ( 不適用於有轉讓限制之物業只適用於申請人涉及未完全償還按揭貸款 每年支付按揭保費不適用於定息按揭計劃. 備註:請參閱物業價格 600 萬港元或以下之合資格準則. 表3 ...

5. www.hkma.gov.hk › eng › news-and-mediaAmendments to the Mortgage Insurance Programme

   www.hkma.gov.hk › eng › news-and-media

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   2023年7月7日 · HKMCI will provide first-time homebuyers with special premium concession for properties valued up to HK$15 million, by waiving premium on insurance coverage for the mortgage loan portion not more than 5% above the maximum LTV ratio for banks (Notes 1 and 2). HKMCI has been offering a 35% premium discount to homebuyers in general.

6. www.eaa.org.hk › en-us › Information-CentreMortgage Insurance Programme : Eligibility and Premium - EAA

   www.eaa.org.hk › en-us › Information-Centre

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   Maximum Loan Size. HK$5,000,000 or less. Over HK$5,000,000 and up to HK$12,000,000. Maximum. Loan-To-Value Ratio ("LTV") 95%. (may exceed 95% if premium is financed with mortgage loan) 90% (for loan exceeding HK$8,000,000) 95% (for loan not exceeding HK$8,000,000)

7. www.hkma.gov.hk › media › engMortgage Insurance Programme (effective from 23 February ...

   www.hkma.gov.hk › media › eng

   Mortgage Insurance Programme (effective from 23 February 2022) Annex. (Text in RED are amended or new criteria) All mortgagors are not holding any residential properties in Hong Kong at the time of applying for mortgage insurance. All applicants being regular salaried.

8. www.hkmc.com.hk › eng › our_businessFixed Rate Mortgage Scheme

   www.hkmc.com.hk › eng › our_business

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   These mortgage loans can be with or without mortgage insurance under the Mortgage Insurance Programme. The maximum loan amount of each residential mortgage is HK$10 million. At the end of the fixed-rate period, the borrowers may either re-fix the mortgage rate under the fixed-rate mortgages or convert the mortgage to a floating-rate loan.