Here is the fantastic commence to check accounting, thru this app you may conveniently & effortlessly discover the fundamentals and a few Highly developed issues of monetary accounting.This application is ideal for commerce and business enterprise undergraduate and MBA...
為了方便你計算自己的借貸能力，可以參考以下表格，分析自己能夠借貸的按揭成數：
香港按揭證券公司已停止對「收入並非來自香港」的「按揭保險」申請，但除非申請人能夠證明本身跟香港有密切關係，如純粹由公司外派駐守外地，並向銀行或按揭證券公司提供證明，按證公司會視乎外派地點而再作定奪；或需透過書面聲明及關係證明，表示單位是給直系親屬(只限父母、配偶及子女)在香港定居，方可視為本地收入看待。
在銀行的角度來看，無論哪種形式的放租都是歸類于出租物業。因此銀行在按揭成數審批方面會以出租物業看待。
【放租按揭须知】出租物业最多借几多成？租金计唔计做收入息？自住变出租点做？
申請按揭 【高成數按揭出租】放租按揭成數多少? 有什麼放租技巧?
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你可自行尋找租客或委託持牌地產代理替你處理出租住宅物業的事宜。不管哪一種做法，你均須在簽訂租賃前向準租客提供準確的物業資料。如你選擇委託地產代理，則須在簽訂地產代理協議前跟代理澄清有關的委託詳情，例如佣金數額及繳付期限。
可以申請。連租約買入的單位一般會被當作投資用途，按揭成數會減一成。如果租客能提供退租同意書，那麼有機會可以當作自住按揭。
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你和租客一般可自行協商租賃協議上的條款，但須確保內容不違反《業主與租客（綜合）條例》。
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答: 如果你本身是首置客，購入單位只作自住用途，你才有資格申請九成按揭保險；但如果你本身購入第二套房，但卻能證明單位作自住用途，最高也可申請八成按揭，否則因第二套房多被視為「非自用」看待，有機會只能批出五成按揭成數。以至部份換樓人士，以及是否成為其他物業的擔保人，對按揭成數也會有影響。