一般視乎物業種類，通常村屋或唐樓較有機會需要驗樓，即使已經有租客入住，銀行可能還是會視察物業周邊環境。

劏房單位照理是可以承造按揭，不過不是每一間銀行都會願意承造。若單位有大型僭建或不合法改動，銀行有很大機會拒批。

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在銀行的角度來看，無論哪種形式的放租都是歸類于出租物業。因此銀行在按揭成數審批方面會以出租物業看待。

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如果買入單位是自住用途，就算當時仍有租約在身，只要成交時是以交吉形式進行，延長成交期買賣，待租客遷出，或由業主與租客商議提早解除租約，就可以交吉成交，理論上可以造高成數按揭，但買家要面對銀行估不足價影響按揭的風險。可是，按保公司於審核過程中有機會要求派人睇樓，如發現物業仍有租客使用，便會不批按揭。如果直到收樓租客仍佔用物業，賣家便需負上法律責任，買家當然可向賣家追討賠償。

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本网页所提供资料仅作参考用途。若因错漏而引致任何不便或损失，中原网页及中原地产概不负责。

根據《土地註冊條例》，租期超過三年的租約須於簽訂後的一個月內向土地註冊處辦理註冊。其他租賃協議，尤其是包含續租權條款的協議，也可在土地註冊處辦理註冊。

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你和租客應在租賃協議內列出各自的權利和責任。不過，除非協議中載有意思相反的明確條款，一些隱含的業主和租客權責會自動適用於租約，例如業主有確保租客在租賃期內能夠享用物業，以及出租物業適合居住的責任。

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銀行沒有明顯表明收緊程度，但我們曾以顧客身份致電五大銀行查詢，包括匯豐、恒生、中銀、東亞及工銀亞洲，按揭職員均表示不會拒絕特定行業的按揭申請，但最終是否審批，就視乎申請人能否遞交令銀行滿意的入息文件。從事裁員高危行業，銀行甚至要求申請人出示稅單，我們親身致電銀行按揭部查詢，匯豐、中銀及恒生均明確表示要求所有申請人出示稅單，但東亞及工銀亞洲則表示須視乎審批情況。如果要查詢最新的按揭利率與回贈優惠，可按我跳往！

In the fast-paced digital landscape, innovation is not just a buzzword – it's a strategic imperative for businesses looking to stay relevant and competitive. At the heart of this innovation lies low-code development platforms, the catalysts driving transformative change across industries. Let's explore how these platforms are empowering innovation and driving digital transformation.

The Digital Imperative

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Accelerating Time-to-Value

One of the key advantages of low-code development platforms is their ability to accelerate time-to-value – the time it takes for organizations to realize tangible benefits from their digital investments. By streamlining the application development process and empowering developers to build and deploy applications rapidly, these platforms enable organizations to bring new ideas to market faster, seize opportunities, and stay ahead of the competition.

Enabling Agility and Adaptability

In today's fast-paced business environment, agility and adaptability are essential for success. Low-code development platforms empower organizations to respond swiftly to changing market dynamics, customer preferences, and emerging trends. By providing a flexible and scalable development environment, these platforms enable organizations to iterate on ideas, experiment with new features, and pivot quickly in response to evolving business requirements.

Fostering Collaboration and Innovation

Innovation thrives in environments where collaboration is encouraged, and ideas can Low-code app development platform flow freely. Low-code development platforms foster collaboration by providing a unified platform where developers, business users, and stakeholders can collaborate seamlessly throughout the application development lifecycle. By breaking down silos and fostering cross-functional teamwork, these platforms enable organizations to harness the collective creativity and expertise of their teams to drive innovation and achieve their digital transformation goals.

Unlocking New Opportunities

Low-code development platforms unlock new opportunities for innovation by democratizing app development and empowering individuals with varying levels of technical expertise to contribute to the development process. By providing user-friendly tools, templates, and visual interfaces, these platforms enable citizen developers – individuals with limited coding experience – to participate in the creation of custom applications, prototypes, and proof-of-concepts, fostering a culture of innovation and experimentation.

Conclusion

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You'll be able to customize the cemeteries you volunteer for by deciding on or deselecting underneath. List Look at

Default Language Translation on Find a Grave is definitely an ongoing job. Should you detect an issue with the interpretation, please deliver a information to [e-mail shielded] and include things like a hyperlink to the web site and specifics about the challenge. Thanks for your assistance!

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Default Language Translation on Find a Grave is definitely an ongoing venture. Should you detect a challenge with the interpretation, be sure to ship a information to [electronic mail secured] and include things like a link towards the web page and facts about the trouble. Many thanks for your personal support!

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