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1. 焦點新聞

   • The Wall Street Journal

     What Can a Personal Loan Be Used For?

     A personal loan can provide funds to cover a range of expenses, such as medical bills, auto repairs or major life events, and to potentially reduce the interest you're paying ...

     10 小時前

   • The Wall Street Journal

     What Is Debt Consolidation?

     Debt consolidation is a debt management strategy that combines multiple debts into one new loan, ideally with a lower interest rate. Household debt reached a record $17.8 ...

     3 日前

   • The Wall Street Journal

     What Is a Student Aid Report? A Complete Guide for 2024

     A Student Aid Report (SAR) is a document that summarizes the information a student provides when they fill out the Free Application for Federal Student Aid (FAFSA), a requirement before you ...

     3 日前

   • The Wall Street Journal

     Trump and Harris Pitch Voters on Car Loans and Marijuana - Opinion: Potomac Watch - WSJ Podcasts

     Speaker 1: From the Opinion pages of the Wall Street Journal, this is Potomac Watch. Kyle Peterson: Donald Trump promises to subsidize car loans while giving a tax break to Americans overseas ...

     2 日前

   • The Wall Street Journal

     How To Understand Your Financial Aid Award Letter

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   • RTHK

     News Programme | Hong Kong Today(2024-10-18) - RTHK

     18 小時前

   • The Wall Street Journal

     A Complete Guide to PSLF Employment Certification

     If you're pursuing a career in public service and have federal Direct Loans, you may qualify for loan forgiveness through the Public Service Loan Forgiveness ...

     2 日前

   • Bastillepost

     Financial Secretary Welcomes Global Family Network Forum, Highlights Hong Kong's Wealth Management Opportunities

     4 日前

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2. www.investopedia.com › terms › mWhat Is a Mortgage? Types, How They Work, and Examples - ...

   www.investopedia.com › terms › m

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   2024年7月19日 · A mortgage is a loan used to purchase or maintain real estate including houses and commercial properties. Mortgages help buyers afford real estate they couldn't buy...

   • 作者: Julia Kagan

   • 影片時長: 2 分鐘

3. www.hkma.gov.hk › eng › smart-consumersMortgages - Hong Kong Monetary Authority

   www.hkma.gov.hk › eng › smart-consumers

   • 網頁紀錄

   2024年3月4日 · The Mortgage Repayment Calculator aims to calculate, based on the figures you input into the Calculator, the monthly mortgage repayment amount and its ratio to monthly income (i.e. the debt servicing ratio), as well as how a change in the mortgage interest rate would affect the repayment amount.

4. 影片

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     18:07

     youtube.com

     Introduction to Mortgage Loans | Housing | Finance & Capital Markets | Khan Academy

     2015年1月4日

     觀看次數：39萬

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     1:16

     youtube.com

     Types of Mortgage Loans Explained | Chase

     2022年3月1日

     觀看次數：1.8萬

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     2:22

     youtube.com

     Mortgage Basics - Mortgage 101

     2015年5月27日

     觀看次數：9.1萬

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5. hkroots.io › blog › hong-kong-mortgage-guideHow to get a mortgage in Hong Kong? A complete guide for ...

   hkroots.io › blog › hong-kong-mortgage-guide

   • 網頁紀錄

   2024年9月23日 · A property mortgage loan is an agreement between the homebuyer and the lender, usually a bank, where the lender agrees to loan the borrower a fixed amount of money to finance a property transaction and the borrower agrees to repay the lender at an interest

   • 1. Complete the mortgage pre-assessment report to understand your affordability and calculate your home purchase budget 2. Start looking for your d...
   • How much mortgage property mortgage loan can you get largely depends on your property price and your financial status/income. While the mechanics b...
   • The Mortgage Insurance Programme (MIP) was launched by The Hong Kong Mortgage Corporation Limited ("HKMC") in March 1999 for promoting home ownersh...
   • Knowing how much the banks are willing to borrow based on the property value, the next step is to estimate how much you can borrow based on your in...
   • Debt servicing ratio (DSR) is a calculation method that evaluates the mortgage loan applicant’s repayment ability and affordability. In a normal ca...
   • To combat the housing bubble in the early days, the HKMA implemented a stress test requirement to further tighten the mortgage policies. Essentiall...
   • The list of documents required for a mortgage loan application is rather straight forward: • Applicants’/borrowers’/guarantors’ HKID • Sales and pu...
   • Essentially, there are two types of mortgage loan interest rates in Hong Kong. There is a HIBOR rate (aka H Plan) and PRIME rate (aka P Plan). HIBO...
   • While properties are expensive in Hong Kong, getting a mortgage is not. Most of the mortgage services you find in Hong Kong should be free of charg...

6. www.rocketmortgage.com › learn › what-is-a-mortgage| Rocket Mortgage

   www.rocketmortgage.com › learn › what-is-a-mortgage

   • 網頁紀錄

   2024年3月11日 · A mortgage is a loan from a lender that gives borrowers the money they need to buy or refinance a home. The borrower agrees to pay back the lender with monthly mortgage payments that include principal, interest and other fees. Mortgages are secured loans, and secured loans are backed by collateral.

   • A simple definition of a mortgage is a type of loan you can use to buy or refinance a home. Mortgages are also referred to as “mortgage loans.” Mor...
   • Most people who buy a home do so with a mortgage. A mortgage is a necessity if you can’t pay the full cost of a home out of pocket.
   • Mortgages are “secured” loans. With a secured loan, the borrower promises collateral to the lender in the event that they stop making payments. In...
   • When you get a mortgage, your lender gives you a set amount of money to buy the home. You agree to pay back your loan – with interest – over a peri...

7. www.moneyhero.com.hk › en › mortgageMortgage: Best Mortgage Rates in Hong Kong 2024 - MoneyHero

   www.moneyhero.com.hk › en › mortgage

   • 網頁紀錄

   Mortgages fall under the category of secured loans, ideal for those who wish to buy a home but do not possess the sufficient funds for it. Unlike other loans you can find on the market, housing loans can come with borrowing periods (tenors) as long as 30 years. This gives you ample time to pay for your property on your current paycheck.

8. 其他人也問了

   What are the different types of mortgage loans?

   • In a mortgage transaction, the lender is known as the mortgagee and the borrower is known as the mortgagor. There are different types of mortgage loans that a borrower may use to purchase a home. Generally speaking, they can be grouped into three broad categories: conventional loans, Federal Home Administration (FHA) loans, and specialty loans.

   What Is a Home Mortgage? Definition, Qualification, and Types

   www.investopedia.com/terms/h/home-mortgage.asp

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   What is a mortgage & how does it work?

   • A mortgage is a loan used to purchase or maintain a home, plot of land, or other real estate. The borrower agrees to pay the lender over time, typically in a series of regular payments divided into principal and interest. The property then serves as collateral to secure the loan.

   What Is a Mortgage? Types, How They Work, and Examples - Investope…

   www.investopedia.com/terms/m/mortgage.asp

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   What is the difference between a mortgage and a home loan?

   • The terms mortgage and home loan are often used interchangeably, but they don’t exactly mean the same thing. A mortgage is a loan that’s used to buy a piece of property that’s secured by the property itself. A home loan is a type of mortgage that’s used specifically to purchase a house.

   What Is a Home Mortgage? Definition, Qualification, and Types

   www.investopedia.com/terms/h/home-mortgage.asp

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   What is a home mortgage?

   • A home mortgage is a loan given by a bank, mortgage company, or other financial institution for the purchase of a residence—a primary residence, a secondary residence, or an investment residence—in contrast to a piece of commercial or industrial property.

   What Is a Home Mortgage? Definition, Qualification, and Types

   www.investopedia.com/terms/h/home-mortgage.asp

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   What are mortgage terms?

   • Your mortgage terms are the terms under which you agree to repay the loan to your lender. A typical mortgage term is 30 years, though some mortgage loans may have terms ranging from 10 to 40 years instead. A home equity loan that’s used to draw out your equity, for example, might have a 10-year repayment term.

   What Is a Home Mortgage? Definition, Qualification, and Types

   www.investopedia.com/terms/h/home-mortgage.asp

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   What is a mortgage loan backed by?

   • Mortgages are secured loans, and secured loans are backed by collateral. In the case of a mortgage, the collateral is the home. If a borrower falls behind on their loan payments or fails to meet other mortgage terms, the mortgage loan agreement gives a lender the right to repossess the home. How Does A Mortgage Loan Work?

   | Rocket Mortgage

   www.rocketmortgage.com/learn/what-is-a-mortgage

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9. www.moneyhero.com.hk › blog › enMortgage Lesson 4: Types of Mortgages in HK - MoneyHero

   www.moneyhero.com.hk › blog › en

   • 網頁紀錄

   2015年4月17日 · Mortgage plans in Hong Kong can be generally categorized into 3 types: (1) fixed-rate, (2) flexible-rate (HIBOR or Prime Rate), (3) Deposit-linked. （1）Fixed-rate Mortgage. Fixed rate mortgage plans come with a period of fixed interest rate, which usually lasts for 3-5 years, depending on the specific plan.

10. www.investopedia.com › terms › hWhat Is a Home Mortgage? Definition, Qualification, and Types

    www.investopedia.com › terms › h

    • 網頁紀錄

    2023年5月16日 · A home mortgage is a loan given by a bank, mortgage company, or other financial institution for the purchase of a residence—a primary residence, a secondary residence, or an investment...