按保甩走「枷鎖」最多可借 8 成?

政府在去年第四季放寬了按保上限,800 萬以上物業,如買家屬於首置的話,最高可按保公司借 8 成按揭。有人話這舉動「救」了當年用發展商二按上樓的業主,因為他們終於可以將按揭轉到銀行了!

但事實是否真的如此呢?有按揭公司就訪問幾位想轉按甩走發展商二按的買家,發覺如果屬於轉按 case,銀行一般只會按為未償還的樓按做轉按,而且成數一般比一按時低。舉例說,假設樓價買入時 700 萬,現在升到 800 萬,在轉按時,銀行只會做 6 成按揭,即最高貸款額為 480 萬。假設當年買入時,業主做了 8 成按揭,即借款 560 萬,自己還要抬幾十萬才可以甩身。

此外以下例子,按保公司是有機會決絕申請人的申請的:

如果業主曾經向將物業抵押給財務公司的話,按保公司不能接受
申請人在剛購入單位時就想轉按,但由於水電煤等設備還沒有連接好,最後用了舊住址作按保申請。按揭公司發現後,懷疑那單位不是自住,於是回絕業主申請。

夫婦其中一方因收入不足,另外一方需要作為擔保人,但被發現已擁有物業,因此懷疑申請單位是否自住,所以最後決絕了申請。

清潔用品續缺貨,有人猜想到夏天才有貨

因為新冠肺炎的關係,再加上聯辦環境署提及一些消毒清潔用品能有效抗疫,導致商品缺貨,也簡直推高某些品牌的生意額,不過因為這疫情突如其來,很多廠商根本沒有及時準備商品應對需求,所以導致產品長期缺貨。

著名品牌製造商 Reckitt Benckiser Group 稱已加快生產消毒產品來應付需求。但供應管理協會執行長戴瑞(Tom Derry)指出廠商不可能將生產量在短期內大幅提升,恐怕這缺貨現象要等到6月才能有所緩和。

活到老,學到老。老齡狗也可以訓練他們嗎(1)?

中國人有句說話叫活到老,學到老。人是這樣,狗隻也可以。有研究發現老齡狗與幼犬,做起犬隻訓練其實沒有多大的差異,只是比成犬效果可能會差少許。只要主人願意教,年老的狗也會學得懂,問題是因為老齡的關係,主人要多點耐性,以下是訓練牠們需要的竅門:

https://pics6.baidu.com/feed/024f78f0f736afc3910019115a2effc1b7451276.jpeg?token=9cc273ed8f7e1a676d8164276e19d63c&s=F21A1EC57472079E9213A02A0300B05B

了解狗狗的訓練史

如果你家中的犬是自少養的話,要找回狗狗的訓練史,應該不會很難。但如果是領養的話,就要向有關方面了解牠的訓練史,例如以前學過什麼技能,跟誰學。知道了以後就可以制定訓練計畫了

考慮狗狗的身體狀況

老狗視力、聽力、體力也大不如前,所以建議應訓練一些簡單動作,切勿要牠們奔跑,或做敏捷性的訓練。

用獎勵方法教他們

如果狗狗做對了你指定牠們做的,就應該獎勵牠們,及無視一些錯誤的行為,這點與訓練幼犬沒有多大兩樣。

以上是訓練老狗的三種方法,下回我們再看餘下的三種方法。

Looking for an Office for Rent?

A Business that is starting out should always resort to picking a productive office for rent in order to plan and let their brand flourish each day. There are some things you have to be careful of with offices because one careless move can take your brand to its lowest state in just a matter of months or even before it starts. Sometimes office with equal coworking space isn’t enough, and you have to stress on other important pointers too. Sometimes offices have spacious built interiors with spacious coworking space, but sometimes they lack the right facilities and features to jet-set their business.

We can start this off by all agreeing on the importance of location and how it can be the root of your foundation. If business owners don’t pay attention to the set-ups of their businesses, then it can cause a huge loss. An office for rent should always have easier access to transportation and parking spots. Your employees and clients should be devoid of hassle during visitations to the office. A Neighbourhood that is convenient with easier access to the basic amenities is a plus point.

A Pet peeve for many employees at work would be the restricted space between co-workers. It becomes a problem when there isn’t enough coworking space. Make wise choices according to the state of your business and be flexible with your modifications and wants. Employees need to be at ease while they work and shouldn’t have to deal with less coworking space.
What most business owners don’t understand is the importance of having pre-installed facilities in the office you are about to rent. If you aren’t in an office with all these important necessities, then you will have to splurge on extra added expenses. A Layout that is already prepared and comes with all the required infrastructure is extremely important and is always a plus point if you’re on the lookout for one.

A full assessment of the office lease should be done to avoid future problems. It can be a problem when expenses start to appear suddenly and pile up the billing for you. The landlord needs a transparent and honest relationship. There has to be healthy communication while checking the lease adequately to avoid any sort of added fees.

Business owners should always look forward to the office for rent that provides easier modifications as well as the required facilities for you and your employees to function on. It will benefit you and provide you with the right tools to grow your business.

An ideal office should always have adequate coworking space and also facilities to highlight the image of the brand towards stardom.

Live house 要沒落嗎?

Live house 一個播放現場音樂的地方,專門給一些獨立音樂人去演出,演奏,或做個人專輯發表的地方。在香港,不知為何這種 live house 通常與餐廳、食肆、或酒吧結合?或者飲飲食食才可以增加收入,單單賣現場音樂,在香港的市場不夠大。尤其在 live house 表演那些都是寂寂無名的獨立音樂人,根本不會帶來什麼經濟效益吧。

那麼 live house 在香港沒落嗎?這也不好說,雖然香港的 live house 的確發展比較慢,而且因為租金,人工等因數限制了本地 live house 的發展。那麼政府政策可以協助這個行業發展嗎?筆者相信政府的政策或者可以幫到些微,但最主要的是業界要多做點宣傳,成立協會去推廣 live house 文化,而不是每樣事情都等政府解決。所以沒落,不沒落是看業界的取態,如果繼續是 「怨天尤人」毫無上進,沒落基本上是肯定的,如果能結合業界的力量,或者可以闖一片天。

不想不想還得想 – Live house 的前程編

Live house 中文翻譯做『展演中心』或『展演場地』,即辦展覽及演出的地方。在香港辦展覽有會展,有酒店,有不同的小型場館。但如果想辦演唱會,就不是有很多地方了,大型的有紅館、伊館,麥花臣,不過小型場館就不是很多。藝人可以選擇街頭演出,或者在一些 live house 裡演出。

香港的Live house 數來數去也只是三、四間,很多都不只是經營演出場地,而是餐廳,酒吧的混合體。如果要數真的演出場地,或者就只有 “This Town Needs” 又或者位於灣仔的 “The Hub”了。這兩個都是一流的演出場地,有音響,有燈光,也可容納 100 多人!

不過香港最大問題都是租金的問題,雖則近月社會動盪,業主願否減租,與中小企度過難關也是一個問題,所以香港的 live house 前程是這樣?真的天曉得了!

Going to Shanghai to go shopping? Go to live house and listen to music (2)

Shanghai is a cosmopolitan city. From the previous Qing Dynasty to China, it has attracted many foreigners to invest, work and visit. Although China has only been open for more than 30 years, its development has changed from the past. Although Hong Kong is also an international city, the development in recent years has made many foreign investment deterred. It is willing to enter the Chinese mainland directly and not come to Hong Kong. Therefore, if Hong Kong people really want Hong Kong to continue to be China’s window, they should go to the Mainland. Take a walk and see, don’t always put politics in the mouth. Although the country does not agree with certain policies, after all, China can develop into the status quo, and it can be achieved by the characteristics that the Western countries do not have. A Hong Kong person must recognize it.

When I go to work in Shanghai, I have to take it easy. The live house that I introduced to you this time is based on the Jazz style. Jazz gives a lazy feeling, go here, don’t sleep!

JZclub

Ren Yuqing, the founder of Jzclub, was a Beijing musician and later went to Singapore to study music. After graduating, I went back to Shanghai to develop, and then started his jazz road. In 2004, I started JZ club jazz in Shanghai. Every day, different Chinese and foreign friends play here. It is a jazz fan who will come to the Holy Land.

Live house 之自己愛情自己捍衛

Yunni is not a regular Hong Kong woman, because she has the gentleness of her sister, and the staunchness of Hong Kong women. When she meets her boyfriend, she must defend her. And her boyfriend Jack, who knows in the live house where he lives, is a very talented person, because he is too talented, often there are a lot of mad bees around Jack, making Yunni very upset.

However, the mad bee butterfly also used the color lure to embrace the hug, so that Jack could not resist, and finally the female fan named Chole Wu was secretly tied, and finally a relationship occurred. Winnie knows that she is very sad, of course, but she does not blame Jack, but plans to serially defend the love, let this Chole Wu die….

Yunnie felt that all men were greedy and forgetful. He saw that Hu Liqing was very hot and had angels. So she began to learn how to dress up, and also participated in those breast enhancement treatments, making herself more like a “goddess”……..

家居放爆竊你要知

賊無處不在,所以家中門、窗要鎖好,防範賊人進內。那麼有什麼家居防盜爆竊的知識呢?以下是警方提醒大家的:

不要在家中放太多貴重物品

貴重物件都是要存放在安全的地方要比較穩妥,譬如銀行保險箱,或夾萬,不是安全點嗎?

窗戶

窗也是賊人進入屋內其中一個途徑,如果家中無人最好都是鎖好,並用窗鎖,防盜感應裝置避免賊人打爛窗戶,或撬開。

露台

如果家中有露台,確保露台的門只可以由裡面打開,而且最好有花籠、圍欄等措施作為掩護。

大門資料及門鎖素材都非常重要,所以在挑選時務必小心選擇一些口碑比較好的品牌,好好保護你的財物。