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很多朋友都問我們為什麼會在這個行業發展？其實我們之所以一直在這個行業發展是因為我們都認為可以幫助到有財政困難的人士。今日想分享一下其中一個經驗。 由於總廚一職在行內職位空決不多，所以廖先生一直未能找到合適工作。轉眼間已經失業兩年的他已經耗盡所有積蓄並欠下康x 財務70萬元的業主貸款並需要月供18000 多元。 正當他去到連貸款借來的金錢亦耗盡之際，他得知三個月後將會有一個入職大型會所總廚的機會。雖然是一個好消息但廖先生需要面臨兩方面的考驗。一方面是要應付及擔心償還未來三個月貸款之心理壓力 而另一方面亦要專心應付兩個月後的面試。在他最無助之際，他致電給我們諮詢一個可解決他現時財務的方案。 他當時雖然擁有一所在上水的村屋但並未為他的村屋補上地價，加上他當時遺失了滿意紙及沒有工作，要達到他想貸款一畢金額用作償還康X 財務 及貸款 20萬用作未來幾個月的生活費及後備資金的要求確實有一點難度。 12290;由於實質借貸成本低廉，將資金投資於高增值市場， 如物業或其他資產 上，是最流行的抗通脤方法，既令資金保值，同時亦提供額外回報的機會. 香港銀行普遍採用供款負擔比率(DTI)作為樓按批核的指標，申請...
