{"id":70343,"date":"2019-01-31T17:54:59","date_gmt":"2019-01-31T09:54:59","guid":{"rendered":"https:\/\/news.rthk.hk\/rthk\/ch\/component\/k2\/1440955-20190131.htm"},"modified":"2019-01-31T17:54:59","modified_gmt":"2019-01-31T09:54:59","slug":"%e7%8e%8b%e7%be%8e%e9%b3%b3%e6%96%99%e9%a6%96%e5%ad%a3%e8%b2%a0%e8%b3%87%e7%94%a2%e5%be%ae%e5%8d%87%e3%80%80%e5%b0%8d%e6%a8%93%e5%b8%82%e5%bd%b1%e9%9f%bf%e4%b8%8d%e5%a4%a7","status":"publish","type":"post","link":"https:\/\/itteacheritfreelance.hk\/test\/wordpress\/2019\/01\/31\/%e7%8e%8b%e7%be%8e%e9%b3%b3%e6%96%99%e9%a6%96%e5%ad%a3%e8%b2%a0%e8%b3%87%e7%94%a2%e5%be%ae%e5%8d%87%e3%80%80%e5%b0%8d%e6%a8%93%e5%b8%82%e5%bd%b1%e9%9f%bf%e4%b8%8d%e5%a4%a7\/","title":{"rendered":"\u738b\u7f8e\u9cf3\u6599\u9996\u5b63\u8ca0\u8cc7\u7522\u5fae\u5347\u3000\u5c0d\u6a13\u5e02\u5f71\u97ff\u4e0d\u5927"},"content":{"rendered":"

\u672c\u6e2f\u4e0a\u5b63\u9304\u5f97262\u5b97\u8ca0\u8cc7\u7522\uff0c\u6d89\u53ca11.89\u5104\u5143\uff0c\u662f\u5169\u5e74\u4f86\u518d\u5ea6\u51fa\u73fe\u8ca0\u8cc7\u7522\u3002<\/p>\n

\u4e2d\u539f\u6309\u63ed\u7d93\u7d00\u8463\u4e8b\u7e3d\u7d93\u7406\u738b\u7f8e\u9cf3\u8868\u793a\uff0c\u90e8\u5206\u55ae\u4f4d\u6a13\u50f9\u81ea\u9ad8\u4f4d\u4e0b\u8dcc\u905415%\uff0c\u4ee5\u81f4\u5c11\u91cf\u696d\u4e3b\u8dcc\u5165\u8ca0\u8cc7\u7522\u754c\u7dda\uff0c\u4e3b\u8981\u6d89\u53ca\u6309\u63ed\u6210\u6578\u8f03\u9ad8\u7684\u9280\u884c\u8077\u54e1\uff0c\u4ee5\u53ca\u5c11\u91cf\u525b\u4e0a\u6703\u9078\u75289\u6210\u6309\u4fdd\u8cb8\u6b3e\u500b\u6848\uff0c\u4f46\u5f37\u8abf\u8ca0\u8cc7\u7522\u500b\u6848\u4ecd\u7136\u4f4e\u3002<\/p>\n

\u5979\u6307\u51fa\uff0c\u76ee\u524d\u6309\u63ed\u69d3\u687f\u7387\u4ecd\u63a5\u8fd1\u6b77\u53f2\u4f4e\u4f4d\uff0c\u5e73\u5747\u6309\u63ed\u6210\u6578\u50c546.3%\uff0c\u9060\u4f4e\u65bc03\u5e74\u8ca0\u8cc7\u7522\u9ad8\u5cf0\u671f\u768465%\uff0c\u76f8\u4fe1\u8ca0\u8cc7\u7522\u4e0d\u6703\u5ee3\u6cdb\u51fa\u73fe\u3002\u800c\u9996\u5b63\u6a13\u50f9\u8dcc\u5e45\u5df2\u898b\u653e\u7de9\uff0c\u9810\u6599\u5b63\u5167\u8ca0\u8cc7\u7522\u6578\u5b57\u53ea\u6703\u5fae\u5347\uff0c\u4e2d\u539f\u751a\u81f3\u9810\u8a08\u8ca0\u8cc7\u7522\u6b21\u5b63\u6703\u518d\u6b21\u6d88\u5931\u3002<\/p>\n

\u738b\u7f8e\u9cf3\u8aaa\uff0c\u8ca0\u8cc7\u7522\u76f8\u95dc\u98a8\u96aa\u4f4e\uff0c\u53ea\u8981\u4e0d\u51fa\u73fe\u65b7\u4f9b\uff0c\u5373\u4f7f\u7269\u696d\u8b8a\u6210\u8ca0\u8cc7\u7522\uff0c\u5c0d\u696d\u4e3b\u53ca\u6574\u9ad4\u6a13\u5e02\u5f71\u97ff\u4e0d\u5927\uff0c\u53cd\u800c\u4e2d\u7f8e\u8cbf\u6613\u6230\u7de9\u548c\u3001\u52a0\u606f\u6b65\u4f10\u6e1b\u6162\uff0c\u5747\u6709\u5229\u6a13\u5e02\u6c23\u6c1b\u597d\u8f49\u3002\u5979\u53c8\u63d0\u9192\uff0c\u7528\u5bb6\u8a08\u7b97\u6309\u63ed\u58d3\u529b\u6e2c\u8a66\u6642\uff0c\u8981\u9810\u7559\u8f03\u591a\u8cc7\u91d1\u4f5c\u70ba\u9084\u6b3e\u3002<\/p>\n","protected":false},"excerpt":{"rendered":"

本港上季錄得262宗負資產，涉及11.89億元，是兩年來再度出現負資產。<\/p>\n

中原按揭經紀董事總經理王美鳳表示，部分單位樓價自高位下跌達15%，以致少量業主跌入負資產界線，主要涉及按揭成數較高的銀行職員，以及少量剛上會選用9成按保貸款個案，但強調負資產個案仍然低。<\/p>\n

她指出，目前按揭槓桿率仍接近歷史低位，平均按揭成數僅46.3%，遠低於03年負資產高峰期的65%，相信負資產不會廣泛出現。而首季樓價跌幅已見放緩，預料季內負資產數字只會微升，中原甚至預計負資產次季會再次消失。<\/p>\n

王美鳳說，負資產相關風險低，只要不出現斷供，即使物業變成負資產，對業主及整體樓市影響不大，反而中美貿易戰緩和、加息步伐減慢，均有利樓市氣氛好轉。她又提醒，用家計算按揭壓力測試時，要預留較多資金作為還款。 \u95b1\u8b80\u5168\u6587 →<\/span><\/a><\/p>\n","protected":false},"author":300,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"jetpack_post_was_ever_published":false,"slim_seo":[],"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","enabled":false}}},"categories":[2,7],"tags":[2019,398,402,397,414,413,410,409,407,408,406,399,2024,400,394,10,401,396,787,786,784,782,783,764,785,403,412,411,395,405,404,2027,2022,2023,2028,670,671,778,779,780,781,2026,2025,2018,2021,2020,2017,319],"jetpack_publicize_connections":[],"aioseo_notices":[],"jetpack_featured_media_url":"","jetpack_shortlink":"https:\/\/wp.me\/p7prtj-iiz","jetpack-related-posts":[],"jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/itteacheritfreelance.hk\/test\/wordpress\/wp-json\/wp\/v2\/posts\/70343"}],"collection":[{"href":"https:\/\/itteacheritfreelance.hk\/test\/wordpress\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/itteacheritfreelance.hk\/test\/wordpress\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/itteacheritfreelance.hk\/test\/wordpress\/wp-json\/wp\/v2\/users\/300"}],"replies":[{"embeddable":true,"href":"https:\/\/itteacheritfreelance.hk\/test\/wordpress\/wp-json\/wp\/v2\/comments?post=70343"}],"version-history":[{"count":1,"href":"https:\/\/itteacheritfreelance.hk\/test\/wordpress\/wp-json\/wp\/v2\/posts\/70343\/revisions"}],"predecessor-version":[{"id":70344,"href":"https:\/\/itteacheritfreelance.hk\/test\/wordpress\/wp-json\/wp\/v2\/posts\/70343\/revisions\/70344"}],"wp:attachment":[{"href":"https:\/\/itteacheritfreelance.hk\/test\/wordpress\/wp-json\/wp\/v2\/media?parent=70343"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/itteacheritfreelance.hk\/test\/wordpress\/wp-json\/wp\/v2\/categories?post=70343"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/itteacheritfreelance.hk\/test\/wordpress\/wp-json\/wp\/v2\/tags?post=70343"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}