<p>香港的事实上的中央银行周四表示，将允许大多数二手住宅物业交易通过直接银行转账结算，为购房者和卖家提供一种比支票支付更快速、更安全的替代方案。香港金融管理局表示，扩展的物业交易支付安排（PAPT）计划将于 2 月 28 日生效，涵盖该市大部分的二手房交易。此公告是与香港银行公会、香港律师会和地产代理监管局共同发布的。在该安排下，买家可以选择通过银行间支付系统将抵押贷款款项直接从其银行电子转账至卖方银行，而不是通过律师的客户账户转移资金。卖家可以在完成交易当天尽早收到款项，使用该计划不会收取额外费用，香港金融管理局表示。希望使用该选项的买卖双方可以通知他们的房地产代理，并在临时买卖协议中添加条款。他们可以在完成交易前的八个工作日内切换回传统支付方式。香港金融管理局副总裁袁国行表示，该安排将为买卖双方提供 “更安全、更快速的支付选项”，并补充说，此举反映了在房地产市场现代化支付实践的更广泛努力。官员表示，扩展将覆盖近 90% 的二手住宅交易，重点关注结构相对简单的主流交易。香港金融管理局表示，在 2025 年第三季度进行的一项涉及 10 笔二手交易的试点显示该安排是可行的。该计划适用于二手住宅物业销售，包括住宅楼内的停车位，只要交易仅涉及现金对价。买卖双方必须是个人或在香港注册的物业持有公司，无论国籍如何。物业必须不超过一笔抵押贷款，并且没有转让限制。买家必须从本地银行获得港币抵押贷款，而卖家必须在参与银行持有港币银行账户以接收款项。香港传统上要求物业支付，包括抵押贷款再融资，在完成交易前由律师事务所保管，但近年来由于一系列律师事务所的失败，导致一些购房者等待较长时间才能收回资金，该系统受到审查。律师将继续处理如产权检查和合同执行等过户工作，但抵押贷款资金将不再通过律师事务所的银行账户。该计划不涵盖商业物业交易、首次住宅销售或未支付溢价的补贴住房。香港金融管理局银行行为执行董事欧阳表示，这些领域涉及更复杂的法律和融资结构，需要单独的安排。他补充说，目前尚无进一步扩展的时间表。</p>

安硕恒生指数

南方恒指ETF

恒生科技ETF

天弘恒生科技ETF

盈富基金

恒生指数

华夏恒生ETF

恒生科技

南方恒生指数ETF

<p>香港金融管理局宣布了一项扩展计划，允许大多数二手住宅物业交易进行直接银行转账，计划于 2 月 28 日生效。该举措旨在提供更快速和安全的支付方式，涵盖近 90% 的转售交易。买家可以直接将抵押贷款资金转入卖方账户，绕过传统的支票支付和律师事务所的托管。该计划不包括商业物业和一手销售，专注于更简单的交易。这一举措反映了香港在现代化物业支付实践方面的努力</p>

<p>Hong Kong’s de facto central bank said on Thursday it will allow most second-hand residential property transactions to be settled through direct bank transfers, giving homebuyers and sellers a faster and safer alternative to cheque-based payments. The Hong Kong Monetary Authority said the expanded Payment Arrangements for Property Transactions (PAPT) scheme would take effect on February 28, covering the bulk of resale home deals in the city. The announcement was made jointly with the Hong Kong Association of Banks, the Law Society of Hong Kong and the Estate Agents Authority. Under the arrangement, buyers can choose to have mortgage loan proceeds transferred electronically from their bank directly to the seller’s bank through the interbank payment system, instead of routing funds through lawyers’ client accounts. Sellers could receive the money as early as the completion date, and no additional fees would be charged for using the scheme, the HKMA said. Buyers and sellers who want to use the option can inform their property agent and add a clause to the provisional sale and purchase agreement. They may switch back to the traditional payment method up to eight working days before completion. HKMA deputy chief executive Arthur Yuen Kwok-hang said the arrangement would give buyers and sellers “a safer and faster payment option”, adding that the move reflected broader efforts to modernise payment practices in the property market. Officials said the expansion would cover close to 90 per cent of resale residential transactions, focusing on mainstream deals with relatively simple structures. A pilot conducted in the third quarter of 2025 involving 10 second-hand transactions showed the arrangement was workable, the HKMA said. The scheme applies to second-hand residential property sales, including car parking spaces within residential buildings, as long as the transaction involves cash consideration only. Both buyers and sellers must be individuals or Hong Kong-incorporated property-holding companies, regardless of nationality. Properties must carry no more than one mortgage and have no restrictions on transfer. Buyers must obtain a Hong Kong-dollar mortgage from a local bank, while sellers must hold a Hong Kong-dollar bank account with a participating bank to receive the funds. Hong Kong has traditionally required property payments, including mortgage refinancing, to be held in escrow by law firms before completion, but the system has come under scrutiny in recent years following a series of law firm failures that left some homebuyers waiting extended periods to recover their funds. Lawyers will continue to handle conveyancing work such as title checks and contract execution, but mortgage funds will no longer pass through law firms’ bank accounts. The scheme does not cover commercial property transactions, first-hand residential sales or subsidised housing with unpaid premiums. Alan Au, executive director of banking conduct at the HKMA, said those segments involved more complex legal and financing structures and would require separate arrangements. There was no timetable yet for further expansion, he added.</p>
<div class="lb-trans"><p>香港的事实上的中央银行周四表示，将允许大多数二手住宅物业交易通过直接银行转账结算，为购房者和卖家提供一种比支票支付更快速、更安全的替代方案。香港金融管理局表示，扩展的物业交易支付安排（PAPT）计划将于 2 月 28 日生效，涵盖该市大部分的二手房交易。此公告是与香港银行公会、香港律师会和地产代理监管局共同发布的。在该安排下，买家可以选择通过银行间支付系统将抵押贷款款项直接从其银行电子转账至卖方银行，而不是通过律师的客户账户转移资金。卖家可以在完成交易当天尽早收到款项，使用该计划不会收取额外费用，香港金融管理局表示。希望使用该选项的买卖双方可以通知他们的房地产代理，并在临时买卖协议中添加条款。他们可以在完成交易前的八个工作日内切换回传统支付方式。香港金融管理局副总裁袁国行表示，该安排将为买卖双方提供 “更安全、更快速的支付选项”，并补充说，此举反映了在房地产市场现代化支付实践的更广泛努力。官员表示，扩展将覆盖近 90% 的二手住宅交易，重点关注结构相对简单的主流交易。香港金融管理局表示，在 2025 年第三季度进行的一项涉及 10 笔二手交易的试点显示该安排是可行的。该计划适用于二手住宅物业销售，包括住宅楼内的停车位，只要交易仅涉及现金对价。买卖双方必须是个人或在香港注册的物业持有公司，无论国籍如何。物业必须不超过一笔抵押贷款，并且没有转让限制。买家必须从本地银行获得港币抵押贷款，而卖家必须在参与银行持有港币银行账户以接收款项。香港传统上要求物业支付，包括抵押贷款再融资，在完成交易前由律师事务所保管，但近年来由于一系列律师事务所的失败，导致一些购房者等待较长时间才能收回资金，该系统受到审查。律师将继续处理如产权检查和合同执行等过户工作，但抵押贷款资金将不再通过律师事务所的银行账户。该计划不涵盖商业物业交易、首次住宅销售或未支付溢价的补贴住房。香港金融管理局银行行为执行董事欧阳表示，这些领域涉及更复杂的法律和融资结构，需要单独的安排。他补充说，目前尚无进一步扩展的时间表。</p>
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Expanded Hong Kong scheme allows resale homebuyers to pay sellers directly

南华早报

扩展后的香港计划允许二手房购房者直接支付给卖家