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如果買家在一開頭申請按揭時，便申報物業作為出租用途，按揭利率與一般自住物業一樣。上文所述只是一般政策規定，但實際審批上「按揭成數」受到不同因素所影響。無論是申請人的入息、持有物業身份(如擔保人、首置客等)、以至物業是現樓或樓花、抑或居屋
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