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資產減值損失是指因資產的賬麵價值高於其可收回金額而造成的損失 還不是一個意思，說法不同而已 回複評論

因此，只要業主準時還款，銀行一般不會只因為樓價下跌就call bank loan，業主不必過份擔心。

負資產的問題是，如果借款人無力供樓，被銀行或金融機構賣樓，都仍要補回欠款差價，否則會繼續被追債，而無力償還或被迫申請破產。

港人北上消費常態化，日前戴德梁行甚至提醒本港商戶需要反思消費模式轉變，直指港人北上以及內地品牌南下融入本港市場的趨勢將會持續。港人加劇到深圳消費，令本地商場受累，領展日前公布業績時亦承認，北區居民周末會北上消費，對旗下商場略有影響。

結餘轉戶貸款是一種私人貸款產品，與債務舒緩計劃不同，其原理是將多筆卡數或債務合併，並轉移至單一債權人，以達至減少利息支出、方便管理債務及延長還款期等作用。

送贈契都可以做按揭？

⭐年度最受歡迎旅遊保險大獎✈️️ 天災(地震/海嘯)旅遊保險包唔包？️ 航班延誤或行程取消旅遊保險✈️ 滑雪旅遊保險⛷️ 自駕遊旅遊保險推介 汽車保險邊間好?

資產減值損失是指因資產的賬麵價值高於其可收回金額而造成的損失 回複評論

這種方法的好處是可以減少債務人的壓力，使其更容易應對負擔。通過延長還款期限或減少利率，債務人可以分散債務壓力，使其可按新方案還清款項。

債務重組（個人自願安排）是指當欠款人無法按原本計劃向債主還款時，可向債權人協商新的還款方案，並爭取降低還款利息、延長還款年期以減少每月還款

一般申請樓按，需要通過「壓力測試」，目的是要確保借款人在加息周期下，仍有足夠的供款能力。如果借款人的供款能力未能獲銀行信服，銀行可要求借款人搵按揭擔保人。於做壓力測試時，會一次過將借款人同擔保人的入息、負債一起計算。

不少業主擔心自己變成負資產後銀行會「phone loan」，但一般情況下，只要借款人準時還款，銀行不會隨便出手。

如同上文解釋，按揭成數愈高，物業變成負資產的可能性就愈大。所以在透過高成數按揭或近年流行的「還息不還本」等方式置業之前，應當小心考慮。

負資產之所以令業主聞風喪膽，是因為擔心銀行會因此 call financial loan，要求立即還清按揭貸款。get in touch with 負資產解決方案 loan 的字面意思為「收回貸款」，就樓宇按揭層面而言，是指銀行向按揭借款人要求提早償還欠款，否則收回單位。

Mexico attracts tourists with its sunny beaches and rich culture, positively affecting the peso. Tourism revenues hit $28.6 billion in Q3 2023, marking a 12% year-on-year increase, a direct boost to the peso from international visitors. However, tourism's seasonal nature means visitor numbers—and the peso's strength—may dip during off-peak seasons. External economic downturns could also impact tourist arrivals. The ongoing tourism surge's ability to maintain peso strength amidst these factors remains to be seen. Keep up with dolar hoy for the latest on tourism trends and their effect on the peso.