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以上的每項按揭服務都是從客人角度研發，確保服務能夠幫助每一位想置業的客人。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、抑或居屋及村屋