{"id":5760,"date":"2024-07-19T13:40:00","date_gmt":"2024-07-19T13:40:00","guid":{"rendered":"https:\/\/synquel7.sg-host.com\/?p=5760"},"modified":"2025-12-17T09:48:36","modified_gmt":"2025-12-17T09:48:36","slug":"guide-to-buy-second-hand-properties","status":"publish","type":"post","link":"https:\/\/www.blue.com.hk\/blog\/hk\/%e7%90%86%e8%b2%a1%e8%b2%bc%e5%a3%ab\/guide-to-buy-second-hand-properties","title":{"rendered":"\u6700\u65b0\u4e8c\u624b\u6a13\u6309\u63ed\u6210\u6578\u662f\u591a\u5c11\uff1f\u5f8b\u5e2b\u8cbb\u7b49\u8cb7\u4e8c\u624b\u6a13\u7a0b\u5e8f\u53ca\u6ce8\u610f\u4e8b\u9805"},"content":{"rendered":"\n<p>\u8fd1\u5169\u5e74\u6a13\u5e02\u75b2\u5f31\uff0c\u653f\u5e9c\u7d42\u65bc\u5f9e\u300c\u6e1b\u8fa3\u300d\u9032\u4e00\u6b65\u81f3\u300c\u6492\u8fa3\u300d\uff0c\u4e0d\u518d\u8a2d\u8cb7\u5bb6\u5370\u82b1\u7a05\uff08BSD\uff09\u3001\u984d\u5916\u5370\u82b1\u7a05\uff08SSD\uff09\u53ca\u65b0\u5f9e\u50f9\u5370\u82b1\u7a05\uff08NRSD\uff09\uff0c\u5728\u4e8c\u624b\u6a13\u6309\u63ed\u6210\u6578\u4e0a\u4ea6\u6709\u591a\u6b21\u8abf\u6574\u3002<a href=\"https:\/\/www.blue.com.hk\/blog\/hk\/\">Blue\u8cc7\u8a0a\u5718\u968a<\/a>\u4ee5\u4e0b\u5c07\u63d0\u4f9b\u653f\u5e9c\u6700\u65b0\u898f\u5b9a\u7684\u4e8c\u624b\u6a13\u6309\u63ed\u6210\u6578\u53ca\u689d\u4ef6\uff0c\u540c\u6642\u4ecb\u7d39\u8cb7\u4e8c\u624b\u6a13\u5f8b\u5e2b\u8cbb\u7b49\u7684\u6ce8\u610f\u4e8b\u9805\uff0c\u8b93\u6709\u610f\u7f6e\u696d\u7684\u4f60\u4f5c\u6700\u597d\u6e96\u5099\uff01<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u4e8c\u624b\u6a13\u6309\u63ed\u6210\u6578\u53ca\u689d\u4ef6<\/h2>\n\n\n\n<p>\u6839\u64da\u9999\u6e2f\u91d1\u878d\u7ba1\u7406\u5c40\u6700\u65b0\u653f\u7b56\uff0c\u5728\u6c92\u6709\u8cfc\u8cb7\u6309\u63ed\u4fdd\u96aa\u7684\u60c5\u6cc1\u4e0b\uff0c\u51e1\u65bc2023\u5e747\u67087\u65e5\u6216\u4ee5\u5f8c\u7c3d\u8a02\u300c\u81e8\u6642\u8cb7\u8ce3\u5408\u7d04\u300d\u7684\u7269\u696d\u4ea4\u6613\uff0c\u6700\u9ad8\u53ef\u4ee5\u627f\u90207\u6210\u6309\u63ed\u3002\u7136\u800c\uff0c\u4e8c\u624b\u6a13\u6309\u63ed\u6210\u6578\u7684\u4e0a\u9650\u56e0\u6a13\u50f9\u800c\u6703\u6709\u6240\u4e0d\u540c\uff0c\u5728\u6700\u65b0\u898f\u5b9a\u4e4b\u4e0b\uff0c\u6309\u63ed\u8cb8\u6b3e\u984d\u7684\u4e0a\u9650\u70baHK$2,100\u842c\u3002\u4ee5\u6b64\u8a08\u7b97\uff0c\u6a13\u50f9\u70baHK$3,000\u842c\u6216\u4ee5\u4e0b\u7684\u7269\u696d\uff0c\u53ef\u7372\u6700\u9ad87\u6210\u6309\u63ed\uff0cHK$3,000\u842c\u81f3HK$3,500\u842c\u7684\u7269\u696d\uff0c\u6700\u9ad8\u6309\u63ed\u6210\u6578\u70ba6\u6210\u81f37\u6210\uff1b\u800cHK$3,500\u842c\u4ee5\u4e0a\u7684\u7269\u696d\u70ba\u6700\u9ad86\u6210\u3002<\/p>\n\n\n\n<p>\u6309\u63ed\u4fdd\u96aa\u662f\u7531\u9999\u6e2f\u6309\u8b49\u4fdd\u96aa\u6709\u9650\u516c\u53f8 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class=\"wp-block-list\">\n<li>HK$400\u842c\u81f3HK$1,000\u842c\u7269\u696d\uff1a\u6700\u9ad8\u6309\u63ed\u70ba9\u6210<\/li>\n\n\n\n<li>HK$1,000\u842c\u81f3HK$1,500\u842c\u7269\u696d\uff1a\u6700\u9ad8\u6309\u63ed\u70ba8\u81f39\u6210\uff0c\u8cb8\u6b3e\u984d\u4ee5HK$900\u842c\u70ba\u4e0a\u9650<\/li>\n\n\n\n<li>HK$1,500\u842c\u81f3HK$1,715\u842c\u7269\u696d\uff1a\u6700\u9ad8\u6309\u63ed\u70ba7\u81f38\u6210\uff0c\u8cb8\u6b3e\u984d\u4ee5HK$1,200\u842c\u70ba\u4e0a\u9650<\/li>\n\n\n\n<li>HK$1,715\u842c\u81f3HK$3,000\u842c\u7269\u696d\uff1a\u6700\u9ad8\u6309\u63ed\u70ba7\u6210<\/li>\n<\/ul>\n\n\n\n<p>\u8981\u6ce8\u610f\u7684\u662f\uff0c\u4e0d\u8ad6\u7269\u696d\u50f9\u683c\uff0c\u5982\u8981\u627f\u9020\u6700\u9ad8\u6210\u6578\u76849\u6210\u6309\u63ed\uff0c\u7533\u8acb\u8005\u5fc5\u9808\u65bc\u7533\u8acb\u6642\u4e26\u672a\u6301\u6709\u4efb\u4f55\u9999\u6e2f\u4f4f\u5b85\u7269\u696d\uff0c\u4e26\u4e14\u5fc5\u9808\u70ba\u56fa\u5b9a\u53d7\u85aa\u4eba\u58eb\u3002\u53e6\u5916\uff0c\u82e5\u4ee5\u6309\u63ed\u4fdd\u96aa\u627f\u9020\u6309\u63ed\uff0c\u7f6e\u696d\u8005\u9700\u8981\u5728\u6a13\u50f9\u4ee5\u5916\u984d\u7e73\u4ed8\u4fdd\u8cbb\uff0c\u800c\u4e14\u8cfc\u5165\u7684\u7269\u696d\u5fc5\u9808\u4f5c\u81ea\u4f4f\u7528\u9014\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u8cb7\u4e8c\u624b\u6a13\u5f8b\u5e2b\u8cbb\u53ca\u5176\u4ed6\u8cbb\u7528<\/h2>\n\n\n\n<p>\u8cb7\u4e8c\u624b\u6a13\u5f8b\u5e2b\u8cbb\u8996\u4e4e\u5f8b\u5e2b\u884c\u53ca\u4ea4\u6613\u7684\u8907\u96dc\u7a0b\u5ea6\u800c\u5b9a\uff0c\u666e\u901a\u7684\u7269\u696d\u4ea4\u6613\u5f8b\u5e2b\u8cbb\u4e00\u822c\u70baHK$5,000\u81f3HK$10,000\u4e0d\u7b49\uff0c\u8cbb\u7528\u5df2\u5305\u62ec\u5354\u52a9\u7c3d\u7f72\u6b63\u5f0f\u8cb7\u8ce3\u5408\u7d04\u3001\u67e5\u95b1\u571f\u5730\u7d00\u9304\u3001\u4ee3\u7e73\u4ed8\u5370\u82b1\u7a05\u3001\u67e5\u95b1\u6309\u63ed\u5951\u53ca\u7c3d\u7f72\u8f49\u8b93\u5951\u7d04\u6587\u4ef6\u7b49\u670d\u52d9\u3002\u7136\u800c\u65bc\u59d4\u8a17\u5f8b\u5e2b\u4e4b\u524d\uff0c\u61c9\u8a72\u8a62\u554f\u6e05\u695a\u5f8b\u5e2b\u8cbb\u7684\u5305\u62ec\u53ca\u4e0d\u5305\u9805\u76ee\uff0c\u4ee5\u514d\u6700\u5f8c\u5931\u4e86\u9810\u7b97\u3002<\/p>\n\n\n\n<p>\u9664\u5f8b\u5e2b\u8cbb\u4ee5\u5916\u8cb7\u4e8c\u624b\u6a13\u8cbb\u7528\u4ea6\u5305\u62ec\u4ee5\u4e0b\u5169\u9805\uff1a<\/p>\n\n\n\n<p>\u5f9e\u50f9\u5370\u82b1\u7a05\uff1a\u96d6\u7136\u73fe\u6642\u5df2\u7d93\u300c\u6492\u8fa3\u300d\uff0c\u4f46\u8cb7\u8ce3\u7269\u696d\u4ecd\u7136\u9700\u8981\u7e73\u4ed8\u300c\u5f9e\u50f9\u5370\u82b1\u7a05\u300d\uff08AVD\uff0c\u4ea6\u7a31\u300c\u91d0\u5370\u8cbb\u300d\uff09\uff0c\u7a05\u984d\uff0f\u7a05\u7387\u6839\u64da\u6a13\u50f9\u800c\u5b9a\uff0c\u6700\u4f4e\u70baHK$100\uff0c\u6700\u9ad8\u70ba\u6a13\u50f9\u76844.25%<\/p>\n\n\n\n<p>\u5730\u7522\u4ee3\u7406\u4f63\u91d1\uff1a\u8cb7\u8ce3\u96d9\u65b9\u4e00\u822c\u5747\u9700\u8981\u5404\u4ed8\u51fa\u6a13\u50f9\u76841%\uff0c\u4f5c\u70ba\u5730\u7522\u4ee3\u7406\u7684\u4f63\u91d1<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u8cb7\u4e8c\u624b\u6a13\u7a0b\u5e8f<\/h2>\n\n\n\n<p>\u8cb7\u5bb6\u5728\u627e\u5230\u5408\u9069\u7684\u7269\u696d\u4e4b\u5f8c\uff0c\u5373\u53ef\u4ee5\u958b\u59cb\u8cb7\u4e8c\u624b\u6a13\u7a0b\u5e8f\uff0c\u4e3b\u8981\u6d41\u7a0b\u5982\u4e0b\uff1a<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>\u7c3d\u7f72\u81e8\u6642\u8cb7\u8ce3\u5408\u7d04\uff1a\u5730\u7522\u4ee3\u7406\u6703\u70ba\u96d9\u65b9\u9810\u5099\u81e8\u6642\u8cb7\u8ce3\u5408\u7d04\uff0c\u5217\u660e\u6210\u4ea4\u50f9\u3001\u4ea4\u6613\u65e5\u671f\u53ca\u55ae\u4f4d\u72c0\u6cc1\u7b49\u3002\u8cb7\u65b9\u7c3d\u7f72\u5408\u7d04\u6642\u9808\u652f\u4ed8\u6a13\u50f93\u81f35%\u7684\u8a02\u91d1\uff08\u4fd7\u7a31\u300c\u7d30\u8a02\u300d\uff09\uff0c\u8cb7\u5bb6\u53ef\u4ee5\u8981\u6c42\u5728\u5408\u7d04\u4e2d\u8072\u660e\u7269\u696d\u4e26\u7121\u767c\u751f\u904e\u4e0d\u5e78\u4e8b\u6545\uff08\u4fd7\u7a31\u300c\u51f6\u5b85\u300d\uff09\u7b49\u3002<\/li>\n\n\n\n<li>\u59d4\u8a17\u5f8b\u5e2b\uff1a\u8cb7\u8ce3\u96d9\u65b9\u9808\u59d4\u8a17\u4e0d\u540c\u5f8b\u5e2b\u8655\u7406\u6b63\u5f0f\u5408\u7d04\uff0c\u5f8b\u5e2b\u6703\u67e5\u6838\u7269\u696d\u7684\u6a13\u5951\u53ca\u696d\u6b0a\u7b49\u3002<\/li>\n\n\n\n<li>\u7533\u8acb\u6309\u63ed\uff1a\u7533\u8acb\u6309\u63ed\u9808\u63d0\u4ea4\u81e8\u6642\u8cb7\u8ce3\u5408\u7d04\u526f\u672c\u3001\u8eab\u4efd\u8b49\u660e\u6587\u4ef6\u53ca\u6536\u5165\u8b49\u660e\u6587\u4ef6\u3002\u4fe1\u8cb8\u8a18\u9304\u826f\u597d\u7684\u7533\u8acb\u4eba\u6700\u5feb\u53ef\u5728\u4e00\u3001\u5169\u661f\u671f\u5167\u7372\u6279\u6309\u63ed\uff0c\u5c46\u6642\u9280\u884c\u6703\u901a\u77e5\u7372\u6279\u7684\u6309\u63ed\u8cb8\u6b3e\u984d\u3001\u5229\u7387\u7b49\u3002<\/li>\n\n\n\n<li>\u7c3d\u7f72\u6b63\u5f0f\u8cb7\u8ce3\u5408\u7d04\uff1a\u4e00\u822c\u5728\u7c3d\u7f72\u81e8\u6642\u8cb7\u8ce3\u5408\u7d04\u5f8c\u768414\u65e5\u5167\uff0c\u5373\u6703\u7c3d\u7f72\u6b63\u5f0f\u8cb7\u8ce3\u5408\u7d04\u3002\u5f8b\u5e2b\u5c07\u6703\u8b1b\u89e3\u5408\u7d04\u5167\u5bb9\uff0c\u5982\u6709\u7591\u554f\u5fc5\u9808\u63d0\u51fa\u3002\u6b64\u6642\u8cb7\u5bb6\u9808\u5411\u8ce3\u5bb6\u7e73\u4ed8\u6a13\u50f910%\u6e1b\u53bb\u300c\u7d30\u8a02\u300d\u7684\u91d1\u984d\u4f5c\u70ba\u8a02\u91d1\uff0c\u4fd7\u7a31\u300c\u5927\u8a02\u300d\u3002<\/li>\n\n\n\n<li>\u9a57\u6a13\uff1a\u5728\u4ea4\u6536\u524d\u8cb7\u5bb6\u8981\u5148\u9a57\u6a13\uff0c\u4ee5\u78ba\u8a8d\u7269\u696d\u73fe\u6642\u7684\u72c0\u6cc1\u8207\u5408\u7d04\u4e0a\u6240\u5217\u51fa\u7684\u4e00\u81f4\u3002\u4e8c\u624b\u7269\u696d\u8cb7\u8ce3\u53ef\u7531\u8cb7\u5bb6\u81ea\u5df1\u9a57\u6a13\uff0c\u4f46\u82e5\u4e0d\u5177\u5099\u88dd\u4fee\u3001\u6a13\u5b87\u7d50\u69cb\u7b49\u7684\u76f8\u95dc\u5c08\u696d\u77e5\u8b58\uff0c\u5c31\u5efa\u8b70\u9078\u64c7\u59d4\u8a17\u5c08\u696d\u9a57\u6a13\u5e2b\u4f5c\u8a73\u7d30\u9a57\u6a13\u3002\u56e0\u4ea4\u6536\u4e00\u822c\u90fd\u6703\u57fa\u65bc\u300c\u73fe\u72c0\u4ea4\u6536\u300d\u9032\u884c\uff0c\u6a13\u6cc1\u4e0a\u7684\u5c0f\u554f\u984c\u4ea6\u96e3\u6210\u70ba\u9055\u7d04\u7406\u7531\u3002\u5982\u5c0d\u6a13\u6cc1\u6709\u4e0d\u6eff\uff0c\u8cb7\u5bb6\u53ef\u900f\u904e\u5f8b\u5e2b\u5411\u8ce3\u65b9\u63d0\u51fa\uff0c\u4e26\u5546\u91cf\u89e3\u6c7a\u7684\u65b9\u6cd5\u3002<\/li>\n\n\n\n<li>\u652f\u4ed8\u6a13\u50f9\uff1a\u5f8b\u5e2b\u6703\u70ba\u96d9\u65b9\u6838\u5c0d\u7269\u696d\u7ba1\u7406\u8cbb\u3001\u5dee\u9909\u3001\u6c34\u96fb\u7164\u7b49\u8cbb\u7528\u3002\u8cb7\u65b9\u9808\u5411\u5f8b\u5e2b\u6a13\u7e73\u4ea4\u6263\u9664\u9996\u671f\u3001\u8a02\u91d1\u4e4b\u5f8c\u5168\u6578\u6b3e\u9805\uff0c\u65bc\u6709\u6309\u63ed\u7684\u60c5\u6cc1\u9280\u884c\u6703\u5c07\u6b3e\u9805\u4ea4\u4e88\u5f8b\u5e2b\u6a13\uff0c\u800c\u4e0d\u6703\u76f4\u63a5\u5b58\u5165\u8cb7\u5bb6\u7684\u6236\u53e3\u3002<\/li>\n\n\n\n<li>\u6536\u6a13\u4ea4\u5319\uff1a\u65bc\u6b63\u5f0f\u4ea4\u6613\u65e5\uff0c\u8cb7\u65b9\u7684\u5f8b\u5e2b\u6a13\u6703\u5c07\u6b3e\u9805\u8f49\u8cec\u4e88\u8ce3\u65b9\u7684\u5f8b\u5e2b\u6a13\uff0c\u7d93\u78ba\u8a8d\u5f8c\u5373\u53ef\u4ea4\u6536\u9396\u5319\uff0c\u6574\u500b\u4e8c\u624b\u6a13\u8cb7\u8ce3\u7a0b\u5e8f\u4ea6\u544a\u5b8c\u6210\u3002<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\">\u8cb7\u4e8c\u624b\u6a13\u6ce8\u610f\u4e8b\u9805<\/h2>\n\n\n\n<p>\u7f6e\u696d\u662f\u4eba\u751f\u7684\u91cd\u5927\u6c7a\u5b9a\uff0c\u591a\u5c0f\u5fc3\u4e00\u5206\uff0c\u5c31\u591a\u4fdd\u969c\u81ea\u5df1\u53ca\u5bb6\u4eba\u591a\u4e00\u9ede\u3002\u4ee5\u4e0b\u70ba\u8cb7\u4e8c\u624b\u6a13\u7684\u6ce8\u610f\u4e8b\u9805\uff1a<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>\u4e86\u89e3\u5e02\u5834\u50f9\u683c\u8207\u7269\u696d\u72c0\u6cc1\uff1a\u5728\u9078\u5b9a\u7269\u696d\u524d\u5efa\u8b70\u591a\u4f5c\u5e02\u5834\u8abf\u67e5\uff0c\u4e86\u89e3\u8a72\u5340\u57df\u7684\u6a13\u50f9\u8d70\u52e2\uff0c\u4e26\u67e5\u518a\u78ba\u4fdd\u7269\u696d\u7121\u696d\u6b0a\u722d\u8b70\u3001\u7dad\u4fee\u4ee4\u6216\u5147\u5b85\u7b49\u554f\u984c\u3002\u9019\u4e9b\u56e0\u7d20\u90fd\u6703\u5f71\u97ff\u6309\u63ed\u7533\u8acb\u751a\u81f3\u6574\u7b46\u4ea4\u6613\u80fd\u5426\u9806\u5229\u9032\u884c\u3002<\/li>\n\n\n\n<li>\u9810\u5148\u8207\u9280\u884c\u6e9d\u901a\u4ee5\u78ba\u8a8d\u8ca1\u52d9\u72c0\u6cc1\uff1a\u5728\u6c7a\u5b9a\u8cfc\u8cb7\u524d\u53ef\u4ee5\u5148\u8207\u9280\u884c\u806f\u7d61\uff0c\u4e86\u89e3\u6309\u63ed\u8cb8\u6b3e\u689d\u4ef6\u4e26\u7372\u5f97\u9810\u5148\u6279\u6838\u3002\u9019\u4e0d\u50c5\u80fd\u5920\u78ba\u4fdd\u80fd\u5920\u501f\u8db3\u6240\u9700\u91d1\u984d\uff0c\u4ea6\u53ef\u4ee5\u907f\u514d\u5728\u6b63\u5f0f\u7533\u8acb\u6309\u63ed\u6642\u624d\u627e\u4e0d\u5230\u6279\u51fa\u8cb8\u6b3e\u7684\u9280\u884c\u3002<\/li>\n\n\n\n<li>\u8058\u8acb\u9280\u884c\u8a8d\u53ef\u7684\u5f8b\u5e2b\uff1a\u5982\u8981\u7533\u8acb\u6309\u63ed\u8cb7\u6a13\uff0c\u8cb7\u5bb6\u59d4\u8a17\u7684\u5f8b\u5e2b\u884c\u5fc5\u9808\u70ba\u9280\u884c\u8a8d\u53ef\u5f8b\u5e2b\u6a13\uff0c\u53ef\u4ee5\u9810\u5148\u67e5\u8a62\u9280\u884c\u8a8d\u53ef\u7684\u5f8b\u5e2b\u6a13\u540d\u55ae\uff0c\u4ee5\u514d\u5f71\u97ff\u6309\u63ed\u7a0b\u5e8f\u3002<\/li>\n<\/ol>\n\n\n\n<p>\u900f\u904e\u4ee5\u4e0a\u5167\u5bb9\uff0c\u5e0c\u671b\u5927\u5bb6\u4e86\u89e3\u8cb7\u4e8c\u624b\u6a13\u7a0b\u5e8f\u53ca\u5f8b\u5e2b\u8cbb\u7b49\u4e8b\u9805\u3002\u7269\u696d\u7684\u50f9\u503c\u4ee5\u767e\u842c\u5143\u8a08\uff0c\u82e5<a href=\"https:\/\/www.blue.com.hk\/blog\/hk\/inheriting-property-transfer\/\">\u4e0d\u5e78\u96e2\u4e16\u800c\u7269\u696d\u6309\u63ed\u672a\u9084\u6e05<\/a>\uff0c\u5c07\u6703\u6210\u70ba\u5bb6\u4eba\u7684\u6c89\u91cd\u8ca0\u64d4\uff0c\u6700\u58de\u60c5\u6cc1\u662f\u56e0\u6536\u5165\u4e0d\u8db3\u4ee5\u4f9b\u6b3e\u800c\u88ab\u9280\u884c\u5f37\u5236\u6536\u6a13\uff0c\u914d\u5076\u53ca\u5b50\u5973\u6700\u5f8c\u5931\u53bb\u7269\u696d\u8207\u5df2\u7e73\u4ed8\u7684\u9996\u671f\u53ca\u4f9b\u6b3e\u3002<\/p>\n\n\n\n<p>Blue\u7684\u5169\u6b3e<a href=\"https:\/\/www.blue.com.hk\/hk\/category\/term-life-protection\">\u5b9a\u671f\u7d14\u4eba\u58fd\u7522\u54c1<\/a>\uff1a\u300cWeCare \u5b9a\u671f\u4eba\u58fd\u4fdd\u969c\u8a08\u5283 TL3\u300d\u53ca\u300cWeCare \u9748\u6d3b\u5b9a\u671f\u4eba\u58fd\u4fdd\u969c\u8a08\u5283 TF1\u300d\uff0c\u8b93\u4f60\u80fd\u4ee5\u76f8\u5b9c\u7684\u4fdd\u8cbb\u70ba\u4f60\u53ca\u5bb6\u4eba\u63d0\u4f9b\u5145\u8db3\u7684\u4fdd\u969c\uff0c\u586b\u88dc<a href=\"https:\/\/www.blue.com.hk\/blog\/hk\/how-much-life-insurance-coverage-do-i-need\/\">\u5bb6\u4eba\u8eab\u6545\u98a8\u96aa\u7684\u4fdd\u969c\u7f3a\u53e3<\/a>\uff0c\u66f4\u6700\u5feb5\u5206\u9418\u5373\u53ef\u5b8c\u6210\u6295\u4fdd\uff01<\/p>\n\n\n\n<p><strong>WeCare \u5b9a\u671f\u4eba\u58fd\u4fdd\u969c\u8a08\u5283 TL3<\/strong><br>&#8211; \u4fdd\u8b49\u4fdd\u8cbb\u5168\u6e2f\u6700\u4f4e^\uff0c\u800c\u4e14\u65bc\u4fdd\u8cbb\u7e73\u4ed8\u671f\u5167\uff0c\u4fdd\u8cbb\u5c07\u7dad\u6301\u4e0d\u8b8a <br>&#8211; \u4fdd\u8b49\u81ea\u52d5\u7e8c\u4fdd\u76f4\u81f396\u6b72\uff0c\u7121\u9700\u5065\u5eb7\u8b49\u660e<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><a href=\"https:\/\/www.blue.com.hk\/hk\/wecare-term-life-protection-plan-3?discountCode=BLOGTL3\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"264\" src=\"https:\/\/www.blue.com.hk\/wp\/\/var\/www\/html\/web\/app\/uploads\/2025\/04\/TL3-1024x264.jpg\" alt=\"\" class=\"wp-image-8558\" srcset=\"https:\/\/www.blue.com.hk\/blog\/\/app\/uploads\/2025\/04\/TL3-1024x264.jpg 1024w, https:\/\/www.blue.com.hk\/blog\/\/app\/uploads\/2025\/04\/TL3-300x77.jpg 300w, https:\/\/www.blue.com.hk\/blog\/\/app\/uploads\/2025\/04\/TL3-768x198.jpg 768w, https:\/\/www.blue.com.hk\/blog\/\/app\/uploads\/2025\/04\/TL3-600x155.jpg 600w, https:\/\/www.blue.com.hk\/blog\/\/app\/uploads\/2025\/04\/TL3.jpg 1200w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/a><\/figure>\n\n\n\n\n\n<p><strong>WeCare \u9748\u6d3b\u5b9a\u671f\u4eba\u58fd\u4fdd\u969c\u8a08\u5283 TF1 <\/strong><br>&#8211; \u53ef\u9748\u6d3b\u66f4\u6539\u4fdd\u55ae\u5e74\u671f\u53ca\u4fdd\u969c\u984d\uff0c\u800c\u7121\u9700\u624b\u7e8c\u8cbb <br>&#8211; \u9069\u7528\u60c5\u6cc1\u4e0b\u53ef\u7372\u9000\u9084\u591a\u4ed8\u4fdd\u8cbb#<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><a href=\"https:\/\/www.blue.com.hk\/hk\/wecare-flexible-term-life-protection-plan-1?discountCode=BLOGTF1\"><img decoding=\"async\" width=\"1024\" height=\"264\" src=\"https:\/\/www.blue.com.hk\/wp\/\/var\/www\/html\/web\/app\/uploads\/2025\/04\/TF1-1024x264.jpg\" alt=\"\" class=\"wp-image-8559\" srcset=\"https:\/\/www.blue.com.hk\/blog\/\/app\/uploads\/2025\/04\/TF1-1024x264.jpg 1024w, https:\/\/www.blue.com.hk\/blog\/\/app\/uploads\/2025\/04\/TF1-300x77.jpg 300w, https:\/\/www.blue.com.hk\/blog\/\/app\/uploads\/2025\/04\/TF1-768x198.jpg 768w, https:\/\/www.blue.com.hk\/blog\/\/app\/uploads\/2025\/04\/TF1-600x155.jpg 600w, https:\/\/www.blue.com.hk\/blog\/\/app\/uploads\/2025\/04\/TF1.jpg 1200w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/a><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">\u806f\u7d61Blue\u4e86\u89e3\u66f4\u591a\u4fdd\u96aa\u65b9\u6848<\/h2>\n\n\n\n<p>Blue\u63d0\u4f9b<a href=\"https:\/\/www.blue.com.hk\/hk\/short-term-endowment\">\u5132\u84c4<\/a>\u3001<a href=\"https:\/\/www.blue.com.hk\/hk\/category\/term-life-protection\">\u4eba\u58fd<\/a>\u3001<a href=\"https:\/\/www.blue.com.hk\/hk\/wecare-personal-accident-protection-plan-1\">\u610f\u5916<\/a>\u3001<a href=\"https:\/\/www.blue.com.hk\/hk\/category\/critical-illness-insurance\">\u5371\u75be<\/a>\u3001<a href=\"https:\/\/www.blue.com.hk\/hk\/category\/medical-cover\">\u9580\u8a3a\u91ab\u7642<\/a>\u53ca<a href=\"https:\/\/www.blue.com.hk\/hk\/weguard-pharmaeasy-protection-plan\">\u85e5\u5291<\/a>\u7b49\u591a\u7a2e\u4fdd\u96aa\u7522\u54c1\u3002\u5982\u6b32\u4e86\u89e3\u66f4\u591a\uff0c\u6b61\u8fce\u76f4\u63a5WhatsApp +852 9559 5665\u67e5\u8a62\u3002<\/p>\n\n\n\n<p>* \u5f9e\u4fdd\u55ae\u751f\u6548\u65e5 \/ \u4e0a\u4e00\u500b\u4fdd\u55ae\u5468\u5e74\u65e5\u8d77\u8a08 12 \u500b\u6708\u5167\uff0c\u6700\u591a\u53ef\u9032\u884c2\u6b21\u8a08\u5283\u66f4\u6539\u3002 <br># \u591a\u4ed8\u4fdd\u8cbb\u76f8\u7576\u65bc\u73fe\u6642\u4fdd\u55ae\u4fdd\u969c\u671f\u5167\u5df2\u652f\u4ed8\u7684\u7e3d\u4fdd\u8cbb\u6e1b\u53bb\u76f4\u81f3\u8a08\u5283\u66f4\u6539 \/ \u4fdd\u55ae\u7d42\u6b62\u65e5\u4e4b\u4fdd\u96aa\u8cbb\u7528\u3002 <br>^ \u300c\u6700\u4f4e\u50f9\u4fdd\u8b49\u300d\u4ee5\u5169\u8005\u4fdd\u55ae\u4e4b\u6a19\u6e96\u4fdd\u8cbb\u4f5c\u6bd4\u8f03\uff0c\u82e5\u8981\u7b26\u5408\u300c\u6700\u4f4e\u50f9\u4fdd\u8b49\u300d\u8cc7\u683c\uff0c\u5169\u8005\u4fdd\u55ae\u4e4b\u4fdd\u969c\u984d\u3001\u4fdd\u8cbb\u7e73\u4ed8\u671f\u3001\u4fdd\u55ae\u4fdd\u969c\u671f\u3001\u6295\u4fdd\u5e74\u9f61\u3001\u6027\u5225\u548c\u5438\u7159\u72c0\u6cc1\u5fc5\u9808\u76f8\u540c\uff0c\u4e14\u53ea\u9069\u7528\u65bc\u9999\u6e2f\u5883\u5167\u53ca\u7db2\u4e0a\u92b7\u552e\u7684\u4eba\u58fd\u4fdd\u96aa\u7522\u54c1\u3002\u300c\u6700\u4f4e\u50f9\u4fdd\u8b49\u300d\u4e0d\u9069\u7528\u65bc\u5df2\u905e\u4ea4\u4e4b\u7533\u8acb\u53ca\u751f\u6548\u4e2d\u7684\u4fdd\u55ae\u3002\u7522\u54c1\u53ca\u512a\u60e0\u53d7\u689d\u6b3e\u53ca\u7d30\u5247\u7d04\u675f\u3002<\/p>\n\n\n\n<p>\u53c3\u8003\u8cc7\u6599\uff1a GovHK \u9999\u6e2f\u653f\u5e9c\u4e00\u7ad9\u901a <br>&#8211; <a href=\"https:\/\/www.gov.hk\/tc\/residents\/taxes\/stamp\/stamp_duty_rates.htm\"><u>\u5370\u82b1\u7a0e\u6536\u8cbb<\/u><\/a> \u5343\u5c45Spacious &#8211; <a href=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/%E8%B2%B7%E6%A8%93%E5%BE%8B%E5%B8%AB%E8%B2%BB-%E8%B2%B7%E6%A8%93%E9%96%8B%E6%94%AF\/\"><u>\u76e4\u9ede\u9996\u671f\u4ee5\u5916\u6d17\u8cbb\uff5c\u8cb7\u6a13\u5f8b\u5e2b\u8cbb\u4f60\u8981\u77e5<\/u><\/a> <br>\u5343\u5c45Spacious &#8211; <a href=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/%E9%A6%99%E6%B8%AF%E8%B3%BC%E8%B2%B7%E4%BA%8C%E6%89%8B%E6%A8%93%E7%9B%A4%E6%B3%A8%E6%84%8F%E4%BA%8B%E9%A0%85\/\"><u>\u3010\u6700\u8a73\u76e1\u8cb7\u6a13\u7a0b\u5e8f\u3011\u9010\u6b65\u6559\u4f60\u8cb7\u4e8c\u624b\u6a13\uff01\u7747\u6a13\/\u843d\u8a02\/\u6309\u63ed\u6642\u5e8f\u8868<\/u><\/a> <br>Planto &#8211; <a href=\"https:\/\/www.planto.hk\/zh\/blog\/buy-house-steps\/\"><u>\u8cb7\u6a13\u7a0b\u5e8f2024\u3021\u9999\u6e2f\u8cb7\u4e8c\u624b\u6a13\u7a0b\u5e8f \u4e00\u7bc7\u7747\u6652<\/u><\/a> <br>\u7d93\u6fdf\u4e00\u9031 &#8211; <a href=\"https:\/\/www.edigest.hk\/%e4%ba%8c%e6%89%8b%e6%88%90%e4%ba%a4\/%e8%b2%b7%e6%a8%93%e7%a8%8b%e5%ba%8f-%e8%b2%b7%e8%b3%a3%e6%a8%93%e5%ae%87%e7%a8%8b%e5%ba%8f-%e8%b2%b7%e4%ba%8c%e6%89%8b%e6%a8%93-%e6%8c%89%e6%8f%ad-%e9%8a%80%e8%a1%8c%e4%bc%b0%e5%83%b9-cplt2-1165182\/2\/\"><u>\u8cb7\u6a13\u7a0b\u5e8f2024\uff5c\u4e8c\u624b\u6a13\u8cb7\u8ce38\u5927\u6d41\u7a0b \u9280\u884c\u4f30\u50f9+\u5f8b\u5e2b\u6a13+\u6309\u63ed\u6ce8\u610f\u4e8b\u9805\u4e00\u89bd<\/u><\/a> <br>House730 &#8211; <a href=\"https:\/\/www.house730.com\/property-tips\/article\/1855\/%E4%BA%8C%E6%89%8B%E6%A8%93%E6%94%B6%E6%A8%93%E7%A8%8B%E5%BA%8F%E5%8F%8A%E4%BA%A4%E5%90%89%E9%A9%97%E6%A8%93%E6%B3%A8%E6%84%8F%E4%BA%8B%E9%A0%85\/\"><u>\u4e8c\u624b\u6a13\u6536\u6a13\u7a0b\u5e8f\u53ca\u4ea4\u5409\u9a57\u6a13\u6ce8\u610f\u4e8b\u9805<\/u><\/a> <br>\u7d93\u7d61\u6309\u63ed\u8f49\u4ecb &#8211; <a href=\"https:\/\/www.mreferral.com\/blog\/%E8%B2%B7%E6%A8%93%E7%A8%8B%E5%BA%8F-%E4%BA%8C%E6%89%8B%E6%A8%93\/\"><u>\u3010\u8cb7\u6a13\u7a0b\u5e8f2024\u3011\u8cb7\u4e8c\u624b\u6a13\u5514\u7169\uff01\u62c6\u89e310\u5927\u6b65\u9a5f+\u6309\u63ed+\u7747\u6a13\u88dd\u4fee\u6ce8\u610f\u4e8b\u9805<\/u><\/a> <br>\u7f8e\u806f\u7269\u696d &#8211; <a href=\"https:\/\/www.midland.com.hk\/zh-hk\/property-news\/%E6%A5%AD%E4%B8%BB%E8%B2%BC%E5%A3%AB\/%E6%8C%89%E6%8F%AD%E6%8C%87%E5%8D%97\/%E3%80%90%E7%BD%AE%E6%A5%AD%E6%B5%81%E7%A8%8B%E3%80%91%E4%B8%80%E6%89%8B%E6%A8%93%E8%8A%B1vs%E4%BA%8C%E6%89%8B%E7%89%A9%E6%A5%AD\/\"><u>\u30102024\u8cb7\u6a13\u7f6e\u696d\u6d41\u7a0b\u3011\u4e00\u624b\u6a13\u82b1\u65b0\u76e4 VS \u4e8c\u624b\u7269\u696d &#8211; \u6a13\u5e02\u8cc7\u8a0a<\/u><\/a> <br>\u58f9\u5bb6\u58f9\u6309\u63ed\u8f49\u4ecb &#8211; <a href=\"https:\/\/www.opomortgage.com\/tc\/mortgage-blog\/%E7%B4%B0%E8%A8%82%E5%A4%A7%E8%A8%82-%E7%B4%B0%E8%A8%82%E5%A4%A7%E8%A8%82%E6%99%82%E9%96%93-%E7%B4%B0%E8%A8%82%E6%94%AF%E7%A5%A8%E6%8A%AC%E9%A0%AD-%E5%A4%A7%E8%A8%82%E5%B9%BE%E6%99%82%E6%94%B6\"><u>\u7d30\u8a02\u5927\u8a02\uff5c\u8cb7\u6a13\u843d\u8a02\u8981\u8ddf\u8db3\u7a0b\u5e8f&nbsp; \u5426\u5247\u96a8\u6642\u88ab\u300c\u8e22\u5951\u300d<\/u><\/a> <br>\u80e1\u2027\u8aaa\u6a13\u5e02 &#8211; <a href=\"https:\/\/www.wuchatprop.com.hk\/%E4%BA%8C%E6%89%8B-%E8%B2%B7%E8%B3%A3-%E6%8C%89%E6%8F%AD-%E5%87%B6%E5%AE%85-%E6%8C%89%E6%8F%AD%E7%94%B3%E8%AB%8B-%E4%B8%8A%E6%9C%83\/\"><u>\u3010\u4e8c\u624b\u6a13\u8cb7\u8ce3\u7a0b\u5e8f\u3011\u7747\u6a13\u3001\u96dc\u8cbb\u3001\u67e5\u51f6\u5b85\u3001\u7c3d\u7d04\u3001\u6309\u63ed\u61f6\u4eba\u5305<\/u><\/a> <br>\u80e1\u2027\u8aaa\u6a13\u5e02 &#8211; <a href=\"https:\/\/www.wuchatprop.com.hk\/%E5%8D%B0%E8%8A%B1%E7%A8%85%E8%A8%88%E7%AE%97\/\"><u>\u3010\u8cb7\u6a13\u5370\u82b1\u7a052024(\u64a4\u8fa3\u5f8c)\u3011\u6700\u65b0\u9996\u7f6e\u5370\u82b1\u7a05\uff1a\u5341\u5927\u91cd\u9ede\u6559\u4f60\u8a08\u7b97\uff01<\/u><\/a> <br>\u661f\u4e4b\u8c37\u6309\u63ed\u8f49\u4ecb Starpro Agency Limited &#8211;&nbsp;<a href=\"https:\/\/starpagency.com\/%E4%BA%86%E8%A7%A3%E6%9B%B4%E5%A4%9A\/%E9%82%8A%E9%96%93%E9%8A%80%E8%A1%8C%E5%81%9A%E6%8C%89%E5%A5%BD\/%E9%A9%97%E6%A8%93%E6%94%BB%E7%95%A5-%E9%A9%97%E6%A8%93%E7%A8%8B%E5%BA%8F-%E9%A9%97%E6%A8%93%E5%B8%AB-%E9%A9%97%E6%A8%93%E8%B2%BB-%E6%B3%A8%E6%84%8F%E4%BA%8B%E9%A0%85%E5%8F%8A%E5%B7%A5%E5%85%B7\/\"><u>\u3010\u9a57\u6a13\u653b\u75652024\u3011\u65b0\u6a13\u53ca\u4e8c\u624b\u6a13\u9a57\u6a13\u7a0b\u5e8f\u3001\u9a57\u6a13\u5e2b\u6536\u8cbb\u3001\u6e96\u5099\u5de5\u5177<\/u><\/a> <br>Owl Square Coliving &#8211; <a href=\"https:\/\/blog.owlsquarecoliving.com\/%E9%A9%97%E6%A8%93-%E8%B2%BB%E7%94%A8-%E6%B8%85%E5%96%AE-%E7%A8%8B%E5%BA%8F-%E6%94%B6%E8%B2%BB\/\"><u>\u3010\u2714\ufe0f2024 \u9a57\u6a13\u5168\u653b\u7565\u3011\u770b\u6e05\u6e05\u55ae\u3001\u7a0b\u5e8f\u53ca\u8cbb\u7528<\/u><\/a> <br>Owl Square Coliving &#8211; <a href=\"https:\/\/blog.owlsquarecoliving.com\/%E8%B2%B7%E6%A8%93%E5%BE%8B%E5%B8%AB-%E8%B2%B7%E6%A8%93%E5%BE%8B%E5%B8%AB%E8%B2%BB-%E8%B2%B7%E6%A8%93%E5%BE%8B%E5%B8%AB%E6%A8%93-%E6%8E%A8%E8%96%A6\/\"><u>\u3010\u2714\ufe0f2024 \u8cb7\u6a13\u5f8b\u5e2b\u3011\u5f8b\u5e2b\u6a13\u7a0b\u5e8f\u8cbb\u7528\u6ce8\u610f\u4e8b\u9805<\/u><\/a><\/p>\n\n\n\n<p>\u514d\u8cac\u8072\u660e\ufe55 \u7522\u54c1\u53ca\u512a\u60e0\u53d7\u689d\u6b3e\u53ca\u7d30\u5247\u7d04\u675f\u3002 \u4e0a\u8ff0\u7522\u54c1\u53ca\u8cc7\u8a0a\u7531Blue Insurance Limited\uff08\u300cBlue\u300d\uff09\u63d0\u4f9b\u3002 \u4e0a\u8ff0\u7522\u54c1\u53ea\u8a08\u5283\u65bc\u9999\u6e2f\u5883\u5167\u51fa\u552e\uff0c\u8a73\u60c5\u8acb\u53c3\u95b1\u76f8\u95dc\u7522\u54c1\u6982\u8981\u53ca\u4fdd\u55ae\u689d\u6b3e\u3002<\/p>\n\n\n\n<p>\u672c\u6587\u520a\u8f09\u7684\u8cc7\u6599\u53ca\u5065\u5eb7\u8cc7\u8a0a\u53ea\u4f9b\u53c3\u8003\uff0c\u4e26\u4e0d\u5c6c\u53ca\u4e0d\u61c9\u88ab\u8996\u4f5c\u70ba\u91ab\u7642\u5efa\u8b70\u3002Blue\u4e0d\u4fdd\u8b49\u8cc7\u8a0a\u7684\u5b8c\u6574\u6027\u548c\u6e96\u78ba\u6027\u3002\u82e5\u4f60\u6709\u4efb\u4f55\u91ab\u7642\u76f8\u95dc\u7591\u554f\uff0c\u61c9\u8aee\u8a62\u91ab\u751f\u6216\u5176\u4ed6\u91ab\u8b77\u5c08\u696d\u4eba\u54e1\u3002\u5c0d\u65bc\u4f60\u56e0\u672c\u6587\u520a\u8f09\u7684\u4efb\u4f55\u8cc7\u8a0a\u800c\u53ef\u80fd\u62db\u81f4\u7684\u640d\u5931\u3001\u640d\u5bb3\u8ce0\u511f\u3001\u8a1f\u8cbb\u6216\u5176\u4ed6\u958b\u652f\u53ca\u8cac\u4efb\uff0cBlue\u6982\u4e0d\u8ca0\u8cac\u3002<\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u8fd1\u5169\u5e74\u6a13\u5e02\u75b2\u5f31\uff0c\u653f\u5e9c\u7d42\u65bc\u5f9e\u300c\u6e1b\u8fa3\u300d\u9032\u4e00\u6b65\u81f3\u300c\u6492\u8fa3\u300d\uff0c\u4e0d\u518d\u8a2d\u8cb7\u5bb6\u5370\u82b1\u7a05\uff08BSD\uff09\u3001\u984d\u5916\u5370\u82b1\u7a05\uff08SSD\uff09\u53ca\u65b0\u5f9e\u50f9\u5370\u82b1\u7a05\uff08NRSD\uff09\uff0c\u5728\u4e8c\u624b\u6a13\u6309\u63ed\u6210\u6578\u4e0a\u4ea6\u6709\u591a\u6b21\u8abf\u6574\u3002Blue\u8cc7\u8a0a\u5718\u968a\u4ee5\u4e0b\u5c07\u63d0\u4f9b\u653f\u5e9c\u6700\u65b0\u898f\u5b9a\u7684\u4e8c\u624b\u6a13\u6309\u63ed\u6210\u6578\u53ca\u689d\u4ef6\uff0c\u540c\u6642\u4ecb\u7d39\u8cb7\u4e8c\u624b\u6a13\u5f8b\u5e2b\u8cbb\u7b49\u7684\u6ce8\u610f\u4e8b\u9805\uff0c\u8b93\u6709\u610f\u7f6e\u696d\u7684\u4f60\u4f5c\u6700\u597d\u6e96\u5099\uff01 \u4e8c\u624b\u6a13\u6309\u63ed\u6210\u6578\u53ca\u689d\u4ef6 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