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按揭轉介2023: 比較銀行按揭利率(贈送高額現金回贈)| 28Mortgage

Lo wai

https://www.property.hk/eng/asking_detail/6587448.html

按揭證券公司的保險計劃

documents

標準按揭文件   reading materials

https://www.hkmc.com.hk/chi/index.html

香港按揭證券公司的按揭保險計劃詳解

按揭保險計劃由香港按揭證券有限公司（現由其全資附屬公司香港按證保險有限公司營運）於1999年推出，旨在協助市民以較低首期申請高成數按揭，促進安居置業 The Hong Kong Mortgage Corporation Limited。

核心作用

• 銀行信貸保障：根據金管局指引，銀行一般最高可批出6成按揭。按揭保險為銀行提供保障，使其可承造8成至9成按揭，而毋須額外承擔風險 The Hong Kong Mortgage Corporation Limited+1。

• 降低首期負擔：例如購買800萬物業，無按保最多借480萬（首期320萬），有按保可借720萬（首期80萬），首期減少240萬 bowiemoneydiary.com。

最高按揭成數與樓價上限（新按保，2024年10月16日或後簽約）

物業價格範圍	最高按揭成數	貸款上限
≤1,000萬	80% 或 90%*	900萬（90%）
1,000萬–1,125萬	80%–90%*	900萬（90%）
1,125萬–1,500萬	80%	—
1,500萬–1,715萬	70%–80%	1,200萬（80%）
1,715萬–3,000萬	70%	1,200萬（80%）

*90%僅適用於申請時無持有香港住宅物業且申請人為固定受薪人士 The Hong Kong Mortgage Corporation Limited。

資格與限制

• 首置人士：申請時未持有任何香港住宅物業，或為特定資助房屋計劃（如港人首次置業先導項目）的買家 The Hong Kong Mortgage Corporation Limited。

• 收入要求：申請人須為固定受薪人士，並通過供款入息比率及壓力測試 28mortgage.com.hk。

• 物業類別：主要適用於私人住宅物業（村屋除外）；資助房屋計劃有特殊資格 The Hong Kong Mortgage Corporation Limited。

• 貸款上限：不同樓價段有明確貸款上限，超過需按比例計算 The Hong Kong Mortgage Corporation Limited。

保費與繳付方式

• 影響因素：按揭成數、還款年期、借款人背景（首置/非首置）、原有按揭成數、物業樓價 bowiemoneydiary.com。

• 保費表：按揭證公司提供多張保費表（如表3–表10），依樓價、按揭成數、借款人身份選擇適用表 胡‧說樓市+1。

• 繳付方式：

  • 一次性付清：加借入總貸款額，可享折扣，適合長期持有。

  • 逐年繳付：首年保費較低，適合短期內轉按 bowiemoneydiary.com。

申請手續

1. 預先批核：可於簽約前透過按證公司查詢估值及資格 香港房屋協會。

2. 提交文件：包括身份證、住址證明、雇傭合約、入息證明、稅單、強積金紀錄、債務及按揭紀錄等 28mortgage.com.hk。

3. 銀行審批：由提供按揭的銀行提交至按證公司審批，審批時間通常需2–3個月 28mortgage.com.hk。

特殊安排

• 資助房屋計劃：如「居屋第二市場」、「煥然懿居」等，可申請最高90%按揭 The Hong Kong Mortgage Corporation Limited。

• 出租安排：符合條件的業主可申請將按保物業出租，但有嚴格限制（如需證明失業、懷孕或特殊需要） 胡‧說樓市。

總結：按揭保險計劃是香港首置及資金有限買家「上車」的重要工具。申請前需明確樓價、目標按揭成數、借款人身份及資格，並預留足夠審批時間。若符合資格，可大幅降低首期負擔，提升置業機會。

原文網址: 打破「全球最難負擔」迷思？香港買樓「說難不難」？｜賣樓者言 - 香港財經時報 HKBT | 香港財經時報 https://www.businesstimes.com.hk/articles/321539/打破全球最難負擔迷思-香港買樓-說難不難/

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RMD

Charles Swabb letter

RMD Reference Guide | Charles Schwab

2026 RMD Reference Guide

If you're turning age 73 this year, it's time to start taking the annual required minimum distributions (RMDs) from tax-deferred retirement accounts including 401(k)s and traditional IRAs. The penalty for not taking your RMD can be pretty steep: The IRS will levy a penalty amounting to 25% of the sum you should have withdrawn. That said, if you correct the issue by taking your full withdrawal and filing IRS Form 5329 (along with a letter of explanation why the RMD was missed), the IRS may lower the penalty to 10%.

Here's what to know.

Timing of your first RMD

In general, you must take your first RMD by April 1 of the year after you reach RMD age (though, there are some exceptions, as we'll see below). For every year after that, you'll have to take your RMDs by December 31.

The table below covers what you should know about start dates for different kinds of accounts.

Account type	Timing of first RMD
IRAs including traditional, SEP, and SIMPLE	By April 1 of the year after you reach RMD age
401(k), 403(b), 457(b) plans, or other qualified plan	By April 1 of the year after you reach RMD age. However, if you are still employed, you may be able to delay your first RMD until April 1 of the year after you retire. A few other caveats apply: The exemption applies only to the account for your most recent employer, the plan must allow this exemption, and you cannot own more than 5% of a business.
Roth IRA	RMDs are not required.
Roth 401(k), 403(b), or 457(b) (designated Roth account)	RMDs are not required.
Inherited retirement accounts	If the deceased has not taken their RMD, you must generally take a distribution for them by December 31 of the year of death. As an heir of a retirement account you might also be subject to RMDs. Note: The RMD rules for inherited accounts are very complex.*

Of course, just because you can delay your first distribution doesn't mean you should. Pushing your first distribution into the next calendar year would mean you'd have to take two RMDs that year—which could saddle you with more taxable income and therefore a bigger tax bill. In other words, if you turn age 73 in 2026, you could wait until April 1 of 2027 to take your first RMD, but then you would also need to take your 2027 RMD by December 31.

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Find your Required Minimum Distribution.

Use our IRA calculators

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RMD aggregation rules

Another wrinkle is that you generally must determine your RMD for each account separately. That said, in some situations you may be able to combine your RMD obligations from each account and take the full amount from a single account. The processes of combining RMDs is called aggregation.

Account type	Aggregation rule
IRAs including traditional, rollover, SEP, and SIMPLE	Yes, you can aggregate with other IRA accounts
401(k) or other qualified pre-tax plan	No, each account must have its own RMD
Governmental 457(b) plans	No, each account must have its own RMD
403(b) plans	Yes, but only with other 403(b) accounts
Roth IRA	RMDs are not required
Roth 401(k), 403(b), or 457(b) (designated Roth account)	RMDs are not required

Calculating RMDs

You can calculate your RMD using:

• Your account balance as of December 31 of the prior year (do this for each account)
• Divide that number by the "Distribution Period" associated with your birth year from IRS Publication 590-B.

Age	Distribution period (DP)
73	26.5
74	25.5
75	24.6
76	23.7
77	22.9
78	22.0
79	21.1
80	20.2
81	19.4
82	18.5
83	17.7
84	16.8
85	16.0
86	15.2
87	14.4
88	13.7
89	12.9
90	12.2
91	11.5
92	10.8
93	10.1
94	9.5
95	8.9
96	8.4
97	7.8
98	7.3
99	6.8
100	6.4

For example, if you turn 74 years old on your birthday this year and your traditional IRA balance was $500,000 at the end of last year, you would calculate your RMD as follows:

• $500,000 account balance as of December 31
• Divided by 25.5 Distribution Period
• Equals $19,607.84 RMD

Note: Don't use the table above if your spouse is the sole beneficiary of your IRA and is more than 10 years younger than you. Refer to publication 590-B for Joint Life and Last Survivor Expectancy Table. Beneficiaries of inherited IRAs generally follow a Single Life Expectancy table.

Strategies for lowering RMDs

As noted above, money you withdraw from a tax-deferred retirement account is generally taxable. And if you have a significant amount of tax-deferred savings when you hit RMD age, you could be in for a bit of a tax shock when required distributions start.

You do have some options, though:

• Qualified distributions before RMD age. In some cases, waiting as long as possible to tap your tax-deferred assets can make sense, as you'll leave more time for potential growth. That said, if you already have a large amount of tax-deferred savings, starting withdrawals before you reach RMD age could be a tax-smart approach. Why? By lowering your balance before you reach RMD age, your RMDs may not be as large when it's finally time to start them. Large RMDs later in life could potentially push you into a higher tax bracket.
• Roth conversion. The idea here is to convert some of your tax-deferred savings into Roth savings. You'll have to pay taxes in the year of the conversion, but by lowering your tax-deferred account balance, you could potentially have smaller RMDs and gain a tax-free resource for future use (or to leave a legacy). Roth conversions generally make the most sense for people who expect to be in a higher tax bracket when they start taking withdrawals than they are at the time they convert the assets. In other words, it's better to pay a lower tax rate on a conversion today than a higher rate on a withdrawal in the future. It's also worth noting that tax rates are at historically low levels compared to rates over the past few decades, so conversions can also make sense if you think rates will be higher in the future.
• Qualified charitable distributions. A QCD can allow you to make tax-free donations directly from an IRA to a qualified charity, thereby potentially satisfying all or part of your annual IRA RMD. For 2026, an individual aged 70 ½ or older can donate up to $111,000 a year to a qualified charity, indexed for inflation.
• Net Unrealized Appreciation. This is a tax strategy for people who own company stock in a qualified employer-sponsored retirement plan and are at least 59½ or separated from their employer. Taking advantage of this strategy may save you money and reduce your potential RMDs.

 RMD

Retirement topics - Required minimum distributions (RMDs) | Internal Revenue Service

Appendix B. (Continued)

Table I
(Single Life Expectancy)
(For Use by Beneficiaries)
Age	Life Expectancy	Age	Life Expectancy
60	27.1	91	5.3
61	26.2	92	4.9
62	25.4	93	4.6
63	24.5	94	4.3
64	23.7	95	4.0
65	22.9	96	3.7
66	22.0	97	3.4
67	21.2	98	3.2
68	20.4	99	3.0
69	19.6	100	2.8
70	18.8	101	2.6
71	18.0	102	2.5
72	17.2	103	2.3
73	16.4	104	2.2
74	15.6	105	2.1
75	14.8	106	2.1
76	14.1	107	2.1
77	13.3	108	2.0
78	12.6	109	2.0
79	11.9	110	2.0
80	11.2	111	2.0
81	10.5	112	2.0
82	9.9	113	1.9
83	9.3	114	1.9
84	8.7	115	1.8
85	8.1	116	1.8
86	7.6	117	1.6
87	7.1	118	1.4
88	6.6	119	1.1
89	6.1	120+	1.0
90	5.7