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英國按揭計算:如何比較貸款方案

比較利率、費用和總成本。

英國按揭計算:如何比較貸款方案 Property Investment & Wealth Building

Updated October 2026 · Fraser Bond

按揭 · 英國

英國按揭計算

首期比例
固定利率
手續費比較
經紀協助
In short: 計算英國按揭時,要看貸款額度(通常為收入的4至4.5倍)、首期比例、利率類型(固定或浮動)和年期,以及安排費等費用。比較方案時應計算整個優惠期的總成本,而不只是利率。投資物業按揭(Buy-to-let)通常需要25%首期,並以租金覆蓋率審批;非居民可選擇的銀行較少。建議通過受監管的按揭經紀比較。

Frequently asked questions

可以借多少?

通常為收入的4至4.5倍。

非居民可以申請按揭嗎?

部分銀行可以。

計劃在倫敦置業?

Talk to our team or read the full guide.

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