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保费融资,你的金融房产

  • 2026-02-04 14:39:40
保费融资,你的金融房产
大家好，我是Vivienne，一心搞钱的女财迷。
2026年伊始，香港保费融资很热，今天vivienne想聊一下自己做的保费融资测评，对比的主要是国寿海外搭配的三家银行，交行、天星、星展。
  • 交通银行，目前是固定利率3.25%。无论Hibor怎么涨，你加杠杆的成本锁定在3.25%，这是三家里唯一有封顶保护的，适合追求稳定，不想赌利率波动的客户。
  • 天星银行，虚拟银行零门槛开户，手机上就能搞定，目前利率大概是3.95%，比交行贵0.7%，但灵活性强，最低贷款额只要10万港币。想小额试水的客户可以首选天星银行贷款：不用存钱就能借钱，还款也灵活，支持自定义期限的定期存款，支付下月利息，完美匹配每月还息需求。
  • 星展银行，这家给的条件和前两家不一样，贷款利率跟你的存款挂钩。举个具体的例子：存100万港币，可以做到Hibor加0.9%，存的越多，利率越低。星展银行的贷款合同虽写最低10年，但可以提前还款无罚息，贷款年期可长至100岁。
说了这么多，到底怎么选？
如果你对利率波动特别敏感，交行的封顶机制是最优解。
如果你想先小额试水，最低贷款10万港币，上车体验首选天星最方便。
如果你本来就有100万闲钱要存银行增长的挂钩利率，星展能帮你省下不少成本。
另外有客户问我能否转按揭？
其实可以的，可以在一家银行做几年后转到另一家的。
随着美国进入降息周期，香港作为联席汇率制度地区，利率必然继续下行，因此越早投保锁定的贷款利率政策就越好。
好了，你会选哪家做保费融资？ 评论区告诉我。
本文来自网友投稿或网络内容，如有侵犯您的权益请联系我们删除，联系邮箱：wyl860211@qq.com 。

泰和资讯|夫妻一方擅自抵押共同房产,银行抵押权能否成立?

爸妈AA制46年,我爸走前将名下42套房产都给私生子,我妈没闹,3年后,我妈生病住院取钱时笑了

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  139. /yingpanguazai/ssd/ssd1/www/a.mffb.com.cn/runtime/temp/cbe9940b986bd319e8e4ad9d69892652.php ( 11.98 KB )
  140. /yingpanguazai/ssd/ssd1/www/a.mffb.com.cn/vendor/topthink/think-trace/src/Html.php ( 4.42 KB )
  1. CONNECT:[ UseTime:0.000562s ] mysql:host=127.0.0.1;port=3306;dbname=a_mffb;charset=utf8mb4
  2. SHOW FULL COLUMNS FROM `fenlei` [ RunTime:0.000975s ]
  3. SELECT * FROM `fenlei` WHERE `fid` = 0 [ RunTime:0.006574s ]
  4. SELECT * FROM `fenlei` WHERE `fid` = 63 [ RunTime:0.005628s ]
  5. SHOW FULL COLUMNS FROM `set` [ RunTime:0.000755s ]
  6. SELECT * FROM `set` [ RunTime:0.002928s ]
  7. SHOW FULL COLUMNS FROM `article` [ RunTime:0.000862s ]
  8. SELECT * FROM `article` WHERE `id` = 470500 LIMIT 1 [ RunTime:0.000510s ]
  9. UPDATE `article` SET `lasttime` = 1770200119 WHERE `id` = 470500 [ RunTime:0.011233s ]
  10. SELECT * FROM `fenlei` WHERE `id` = 64 LIMIT 1 [ RunTime:0.006711s ]
  11. SELECT * FROM `article` WHERE `id` < 470500 ORDER BY `id` DESC LIMIT 1 [ RunTime:0.000600s ]
  12. SELECT * FROM `article` WHERE `id` > 470500 ORDER BY `id` ASC LIMIT 1 [ RunTime:0.010308s ]
  13. SELECT * FROM `article` WHERE `id` < 470500 ORDER BY `id` DESC LIMIT 10 [ RunTime:0.012819s ]
  14. SELECT * FROM `article` WHERE `id` < 470500 ORDER BY `id` DESC LIMIT 10,10 [ RunTime:0.023396s ]
  15. SELECT * FROM `article` WHERE `id` < 470500 ORDER BY `id` DESC LIMIT 20,10 [ RunTime:0.021124s ]
0.174054s