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“Trying to open a completely new company may be very time-consuming, and given that I was working another enterprise whilst I used to be endeavoring to arrange Personalized, I didn’t have plenty of time.”

然而，即使發展商沒有中途更改按揭條款，相比傳統的銀行按揭，呼吸approach本身亦涉及風險。

一般而言，由發展商藉旗下財務公司提供的按揭貸款計劃，最常被稱為呼吸prepare。

另一種呼吸Plan就是綠置居按揭和綠表居屋按揭，因爲擁有綠表資格購買居屋的買家在政府做擔保人的情況下，同樣不需要通過壓力測試就可以承造高成數按揭置業。只是申請綠置居按揭和綠表居屋按揭的買家只能用P按。P按的靈活度不如H按。不過凡事都有兩面，尤其是這兩年美聯儲一直加息，H按也一直在調高。

不少人認為承造按揭年期愈短愈好，節省利息開支，但這樣做會影響個人現金流，每月供款未必能負擔得起。申請人應根據自身的收入及生活開支等情況，考慮能否用較短年期。

研究樓宇按揭，周不時會聽到「呼吸strategy」這個字眼。呼吸prepare到底是甚麼一回事？千居帶你認識各種按揭呼吸prepare，借呼吸strategy前必讀注意位，第一次上車上會記得睇清楚，以免捱貴息！

銀行批核按揭時，會透過環聯檢視借款人的借貸狀況，不少買家會忽略自己沒有樓在身，但原來也有一堆債務，例如忘了自己擔任擔保人或手上有信用卡分期還款等，會影響壓力測試是否過關，在買樓前可自行做「身體檢查」，向環聯查核自己的信貸報告，申請按揭自然更加有信心。

當蜜月期 (首三年還息不還本)過後， 買家因各種因素而不能轉按， 例如: 入息証明不能通過壓力測試、

「呼吸system」的意思是指「只要你能呼吸就可以成功申請」，是種誇張而帶有玩味的非正式說法，強調這種按揭計劃審批寬鬆，申請門檻及前期供款壓力都特低。申請者在首階段只需繳付低利息（以下詳解），部分計劃甚至提供還息不還本方案，加上申請條款中不設壓力測試即可獲批，因此是手頭較緊、但希望上車的買樓一族的另一選擇。

Study Brian’s Tale “That’s what it does for your organization; [applying LivePlan] has bought us all chatting and much more engaged about what we are and what we’re 新手買家按揭指南 endeavoring to do.”

買家被迫留在利息極高的按揭計劃中， 甚至可能需要因償還不了貸款而需要賣樓離場。

想一文看清各類住宅的首期預算，即讀【買樓首期計算攻略】；想了解自己能敘造多少按揭成數，可參考【按揭成數懶人包】。

“LivePlan made us experience self-confident and secure within our numbers and gave us a transparent check out of our earlier, current and future!”

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