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楼宇按揭(Mortgage)是金融部门(银行、财务公司等)与房地产公司联合开展的一种向购房者提供贷款从而促进房屋销售的业务。在这种业务关系中,购房者只要支付房屋价款的一定比例(如30％),其余部分就可由金融部门代其支付。购房者将购房契约等证明材料抵押于金融部门,并分期进行还本付息。楼宇按揭最初起源海外,其中在香港发展尤盛。 楼宇按揭对于购房者来说,可以认为是一种分期付款性质的购买方式。购房者只要先支付全部价款的一小部分,即可取得整个房屋的居住使用权和法律所有权(但所有权证书需抵押给金融部门),所欠房款可以在以后若干年内分期逐月,逐年还清,从而实现了对房屋这一高价值消费品的购买行为。 从金融角度来看,楼宇按揭实际上是集住宅存款、住宅贷款、抵押贷款为一体的住房服务业务。购房者须先到金融部门存入一定数额的住房存款,才能取得金融部门提供的住宅贷款。同时,金融部门为确保
Mortgage is a business that the financial sector (banks, finance companies, etc.), in conjunction with real estate companies, offer loans to homebuyers to promote home sales. In this business relationship, buyers pay a certain percentage (eg 30%) of the price of their home and the rest can be paid on their behalf by the finance department. Home buyers will purchase contracts and other supporting materials mortgaged in the financial sector, and pay off interest in installments. Home mortgages originated overseas, of which Hong Kong was particularly prosperous. Mortgage for home buyers, it can be considered a purchase of a nature of installments. Home buyers only need to pay a small part of the total price to get the right of living and legal ownership of the entire house (but the ownership certificate needs to be mortgaged to the financial sector). The owed money can be phased in several years later Clear, so as to achieve the purchase of housing this high-value consumer goods. From a financial point of view, the mortgage is actually a residential mortgage services, residential loans, mortgage loans as one of the housing services business. Home buyers must first deposit a certain amount of housing deposits in the financial sector, in order to obtain the residential sector loans provided by the financial sector. At the same time, the financial sector is ensuring