久久久无码人妻精品无码_6080YYY午夜理论片中无码_性无码专区_无码人妻品一区二区三区精99

Lenders, brokers up mortgage stakes

Updated: 2016-09-30 06:49

By Luo Weiteng in Hong Kong(HK Edition)

  Print Mail Large Medium  Small

Finance firms, property agencies join forces in heated homes loan business

As Hong Kong's property prices show signs of picking up, with prospective buyers staging a roaring comeback, finance companies and real estate agents have joined forces to give banks a run for their money by ratcheting up the already heated homes mortgage business.

Hong Kong Credit Corporation Ltd - the money-lending unit of Hong Kong's largest listed independent financial adviser Convoy Global Holdings - has teamed up with Centaline Property Agency, offering to lend buyers up to 90 percent for apartments valued at below HK$8 million, and 80 percent for those valued at not more than HK$12 million.

The maximum loan available is set at HK$9.6 million.

Another lender, ETC Finance Ltd - owned by a Singapore-based trust fund which is also a controlling shareholder of multi-investment conglomerate New Century Group Hong Kong Ltd - joined Midland Realty and Ricacorp Properties to offer basically similar mortgage loans with repayment periods of up to 30 years.

Lenders, brokers up mortgage stakes

The interest rate charged by the finance firms could be as much as 2 percentage points below banks' prime lending rate, which currently hovers at around 5.25 percent.

Under the Hong Kong Monetary Authority's current regime, which was revised early last year, bank loans are capped at 60 percent for apartments worth between HK$6 million and HK$10 million, and 50 percent for homes worth more than HK$10 million.

"With Hong Kong's housing market becoming buoyant again, finance companies and real estate agencies feel the need to join forces," said Louis Chan Wing-kit, managing director of Centaline's residential department.

Currently, local homes prices are still 5.6 percentage points lower than the peak reached in September 2015. The US Federal Reserve is widely expected to lift interest rates before the end of this year, but if a rate increase is put off, Chan believed that Hong Kong's housing prices could be on track to return to last year's highs by yearend, jumping by up to 8 percent.

While the demand is strong, the government's countercyclical measures, aimed at curbing an overheated property market and protecting banking stability, restrain first-time homes buyers from coming up with the required down payments.

In the first seven months of this year, the cumulative value of mortgage loans drawn down in Hong Kong posted a year-on-year drop of 48 percent, while the cumulative number fell by 40 percent on a yearly basis, reflecting the government's tightening grip on property mortgages, according to mReferral Mortgage Brokerage Services - a unit of Midland Realty.

Yet, the outstanding value of mortgage loans saw its growth rate slow from 2-3 percent previously to the current 0.41 percent, indicating that banks may be awash with cash.

As finance companies and property agencies aggressively vie for a bigger slice of the mortgage business, Sharmaine Lau, chief economic analyst at mReferral Mortgage Brokerage Services, said she believed that local banks may be facing the stiffest competition for market share this year.

But, it's noted that some finance firms typically target clients who are confined by the current loan-to-value ratio and are earning enough to afford bigger mortgage loans. Such a client base may not overlap with that of banks.

sophia@chinadailyhk.com

 Lenders, brokers up mortgage stakes

The Mid-Levels - one of Hong Kong's upmarket residential districts. Despite strong demand, the government's property buying curbs have deterred some first-time homes buyers from coming up with the required down payments. David Paul Morris / Bloomberg

(HK Edition 09/30/2016 page8)

久久久无码人妻精品无码_6080YYY午夜理论片中无码_性无码专区_无码人妻品一区二区三区精99

    中文av字幕一区| 久久久久国产精品厨房| 成人精品鲁一区一区二区| 国产在线视频一区二区| aa级大片欧美| 久久色成人在线| 午夜精品久久久久久不卡8050| 狠狠网亚洲精品| 久久久久99精品一区| 成人免费看黄yyy456| 亚洲色图20p| 国产精品亚洲第一区在线暖暖韩国| 97久久超碰国产精品电影| 久久久久亚洲蜜桃| 不卡的电影网站| 一区二区高清免费观看影视大全| 韩国精品主播一区二区在线观看| 国产日韩欧美综合一区| 日本va欧美va欧美va精品| 91免费观看在线| 国产精品区一区二区三| 91美女在线看| 日产国产欧美视频一区精品 | 蜜桃91丨九色丨蝌蚪91桃色| 91高清视频在线| 国产精品久久久久影院亚瑟| 丁香婷婷综合五月| 欧美国产在线观看| 成人免费毛片片v| 亚洲自拍与偷拍| 91国在线观看| 久久99精品国产.久久久久 | 欧美一区二区私人影院日本| 亚洲午夜久久久久中文字幕久| 色8久久人人97超碰香蕉987| 秋霞电影一区二区| 国产精品丝袜久久久久久app| 欧美色区777第一页| 亚洲精品久久久蜜桃| 色综合久久天天综合网| 亚洲摸摸操操av| 欧美在线你懂得| 丝袜美腿成人在线| 日韩你懂的在线播放| 美腿丝袜在线亚洲一区| 一色屋精品亚洲香蕉网站| 91高清视频在线| 国产盗摄一区二区| 国产精品毛片大码女人| 欧美精品在线观看播放| 免费在线看成人av| 亚洲免费观看高清在线观看| 精品剧情在线观看| 粉嫩av一区二区三区| 日韩电影免费一区| 亚洲日穴在线视频| 国产亚洲综合av| 91麻豆国产自产在线观看| 经典三级在线一区| 五月天精品一区二区三区| 国产精品久久久久久一区二区三区| 欧美精品在线视频| 欧洲中文字幕精品| gogogo免费视频观看亚洲一| 毛片av一区二区| 亚洲成a人v欧美综合天堂下载| 日韩免费电影网站| 欧美日韩精品福利| 国产黄色精品网站| 麻豆91精品视频| 午夜久久电影网| 亚洲欧美日韩国产中文在线| 国产亚洲精品资源在线26u| 欧美一区二区三区系列电影| 在线免费一区三区| 97久久久精品综合88久久| 国产成人精品综合在线观看 | 欧美电影免费观看高清完整版在| 欧美性xxxxxxxx| 国产精一品亚洲二区在线视频| 丝袜诱惑制服诱惑色一区在线观看| 亚洲视频一区在线| 国产精品日日摸夜夜摸av| 久久久久久一二三区| 精品入口麻豆88视频| 91精品国产一区二区人妖| 欧美日韩一区精品| 国产精品久久久久aaaa樱花 | 91在线观看地址| 丁香桃色午夜亚洲一区二区三区| 精品一区二区三区免费视频| 男人的天堂久久精品| 日韩综合小视频| 午夜精品一区二区三区电影天堂| 亚洲综合一区在线| 一区二区三区蜜桃网| 一区二区三区精品久久久| 亚洲免费观看高清完整版在线观看 | 免费在线一区观看| 免费一区二区视频| 美女视频一区在线观看| 日本美女一区二区| 蜜桃视频一区二区| 精品在线你懂的| 韩国av一区二区三区四区| 国产一区二区视频在线播放| 一区二区高清在线| 亚洲一区二区四区蜜桃| 亚洲图片一区二区| 天堂一区二区在线| 人禽交欧美网站| 精品在线一区二区三区| 国产精品1区二区.| 成人性色生活片免费看爆迷你毛片| 成人黄色国产精品网站大全在线免费观看 | 亚洲国产精品黑人久久久| 欧美国产日韩精品免费观看| 国产精品三级视频| 一区二区三区四区不卡视频| 亚洲成在线观看| 日本中文一区二区三区| 久久99久久99精品免视看婷婷| 激情欧美日韩一区二区| 国产精品12区| 99精品久久99久久久久| 欧美中文字幕不卡| 欧美一区二区免费| 久久一夜天堂av一区二区三区| 中文字幕乱码日本亚洲一区二区| 亚洲欧洲日韩一区二区三区| 亚洲最新在线观看| 秋霞午夜av一区二区三区| 国产精品乡下勾搭老头1| 99久久精品费精品国产一区二区| 91黄色免费观看| 日韩区在线观看| 777奇米四色成人影色区| 在线一区二区三区做爰视频网站| 欧美日韩一区久久| 26uuu久久综合| 中文字幕永久在线不卡| 亚洲电影在线免费观看| 久久福利资源站| 乱一区二区av| 成人国产亚洲欧美成人综合网| 91成人在线精品| 日韩欧美国产综合一区| 中文字幕国产一区| 亚洲v日本v欧美v久久精品| 狠狠色狠狠色综合日日91app| aaa亚洲精品一二三区| 欧美精品xxxxbbbb| 欧美极品aⅴ影院| 亚洲成人自拍一区| 国产精品亚洲综合一区在线观看| 色综合天天综合给合国产| av午夜一区麻豆| 911精品产国品一二三产区| 久久久久国产精品麻豆| 亚洲第一主播视频| 国产精品一级黄| 欧美嫩在线观看| 国产精品久久久一本精品| 日本中文字幕一区| 91原创在线视频| 精品国产免费一区二区三区香蕉| 亚洲精品一区二区三区在线观看| 中文字幕一区二区三区四区| 日韩福利视频网| 99精品欧美一区二区三区小说| 欧美一区二区三区的| 中文字幕一区二区三区四区不卡| 奇米色一区二区三区四区| 99视频一区二区| 精品久久久影院| 一区二区视频在线看| 国产一区二区三区国产| 欧美日韩精品免费| 亚洲三级在线播放| 国产麻豆日韩欧美久久| 欧美日韩免费观看一区二区三区| 日本一区二区三区国色天香 | 狠狠色综合播放一区二区| 欧美视频中文一区二区三区在线观看| 久久久久久久电影| 日韩精品成人一区二区三区| 99国产精品久久| 精品欧美一区二区在线观看| 亚洲综合色视频| 不卡在线视频中文字幕| 精品久久久久香蕉网| 日韩电影免费一区| 欧美午夜片在线观看| 亚洲欧洲日韩女同| 国产成人啪免费观看软件| 欧美一区二区三区视频| 亚洲一区电影777| 99国产精品久久| 欧美国产综合色视频| 国产一区不卡在线|