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English. 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。
Eligibility Criteria for 80% Mortgage Insurance Programme (for property value above $12 million and up to HK$19.2 million) Download Eligibility Criteria for 80% Mortgage Insurance Programme - Village House (for property value up to HK$6 million) Download
The Reverse Mortgage Programme is operated by HKMC Insurance Limited (HKMCI), a wholly-owned subsidiary of The Hong Kong Mortgage Corporation Limited (HKMC), which enables people aged 55 or above to use their residential properties in Hong Kong as security to obtain reverse mortgage loans.
The Policy Reverse Mortgage Programme is operated by HKMC Insurance Limited (HKMCI), a wholly-owned subsidiary of The Hong Kong Mortgage Corporation Limited (HKMC), for people who are aged 55 or above to apply for policy reverse mortgage loans.
香港按揭證券有限公司於 1997 年 3 月成立，是由香港特別行政區政府通過外匯基金全資擁有。The Hong Kong Mortgage Corporation Limited (the Corporation), established in March 1997, is wholly owned by the Hong Kong Special Administrative Region Government through the Exchange Fund.
2022年2月23日 · HKMC Insurance Limited (HKMCI), a wholly-owned subsidiary of The Hong Kong Mortgage Corporation Limited, announced today (23 February) that the following amendments are made to the Mortgage Insurance Programme (MIP) for completed residential properties, in order to provide assistance to homebuyers with housing needs:
Mar Mortgage Insurance Programme Statistics (Mar 2024) Download PDF. Feb Mortgage Insurance Programme Statistics (Feb 2024) Download PDF. Jan Mortgage Insurance Programme Statistics (Jan 2024) Download PDF. Remarks For the information before April 2014, please refer to the archived Retained Portfolio Statistics.
MORTGAGE INSURANCE PROGRAMME. Home Ownership Scheme Secondary Market Scheme of the Hong Kong Housing Authority. March 2024. Note: The Mortgage Insurance Programme is operated by HKMC Insurance Limited (Enquiry hotline: 2536 0136).
Mortgage Insurance Programme (effective from 23 February 2022) (Text in RED are amended or new criteria) Original coverage Coverage since 16 October 2019 Extended coverage (from 23 February 2022) Property value HK$4m or below Above HK$4m HK$4
For a brief guide to eligibility criteria and premium, see Appendix 2. Since 7 December 2004, HKMC has expanded the Mortgage Insurance Programme to cover cash-out refinancing mortgages with a maximum loan-to-value ratio of 90% and a maximum loan size of HK$5,000,000.
