{"id":1390,"date":"2025-04-03T11:43:17","date_gmt":"2025-04-03T11:43:17","guid":{"rendered":"https:\/\/dovc.co.uk\/hk\/?p=1390"},"modified":"2025-04-03T11:47:20","modified_gmt":"2025-04-03T11:47:20","slug":"%e8%8b%b1%e5%9c%8b%e3%80%8c%e8%81%af%e5%90%8d%e5%80%9f%e6%ac%be%e4%ba%ba%e5%94%af%e4%b8%80%e6%a5%ad%e4%b8%bb%e3%80%8d%e6%8c%89%e6%8f%ad%e8%a7%a3%e7%ad%94-%e5%8d%81%e5%80%8b%e5%b8%b8%e8%a6%8b%e5%95%8f","status":"publish","type":"post","link":"https:\/\/dovc.co.uk\/hk\/%e8%8b%b1%e5%9c%8b%e3%80%8c%e8%81%af%e5%90%8d%e5%80%9f%e6%ac%be%e4%ba%ba%e5%94%af%e4%b8%80%e6%a5%ad%e4%b8%bb%e3%80%8d%e6%8c%89%e6%8f%ad%e8%a7%a3%e7%ad%94-%e5%8d%81%e5%80%8b%e5%b8%b8%e8%a6%8b%e5%95%8f\/","title":{"rendered":"\u82f1\u570b\u300c\u806f\u540d\u501f\u6b3e\u4eba\u552f\u4e00\u696d\u4e3b\u300d\u6309\u63ed\u89e3\u7b54 \u5341\u500b\u5e38\u898b\u554f\u984c\u4e86\u89e3\u5982\u4f55\u5e6b\u52a9\u9996\u6b21\u7f6e\u696d Understanding Joint Borrower Sole Proprietor Mortgages in the UK Ten Common Questions to Help First-Time Buyers"},"content":{"rendered":"\n

<\/p>\n\n\n\n

\u6210\u65e5\u6709\u5ba2\u4eba\u554f\u8cb7\u6a13\u7121\u5f97\u597d\u4f3c\u9999\u6e2f\u5481\u52a0\u4e00\u500b\u64d4\u4fdd\u4eba,\u82f1\u570b\u6309\u63ed\u5c31\u771f\u4fc2\u5c11\u5462\u500b\u540d\u76ee,\u4f46\u5c31\u6709joint
borrower sole proprietor ,\u4ee5\u4e0b\u662f\u6709\u95dc\u82f1\u570b\u300cJoint Borrower Sole Proprietor\u300d(JBSP)\u7684
\u5341\u500b\u5e38\u898b\u554f\u984c,\u5e6b\u52a9\u7406\u89e3\u9019\u4e00\u6982\u5ff5:<\/p>\n\n\n\n

    \n
  1. \u4ec0\u9ebc\u662fJoint Borrower Sole Proprietor\u6309\u63ed?
    JBSP\u6309\u63ed\u5141\u8a31\u67d0\u4eba(\u4f8b\u5982\u7236\u6bcd\u6216\u89aa\u5c6c)\u52a0\u5165\u6309\u63ed\u7533\u8acb\u4ee5\u63d0\u9ad8\u8cb8\u6b3e\u80fd\u529b,\u4f46\u53ea\u6709\u4e00\u4eba(\u552f\u4e00
    \u696d\u4e3b)\u64c1\u6709\u7269\u696d,\u5176\u4e2d\u4e00\u4f8b,\u5b50\u5973\u521d\u51fa\u4f86\u505a\u91ce,\u5165\u606f\u6709\u9650,\u800c\u7236\u6bcd\u5165\u606f\u53c8\u9ad8\u53c8\u7a4f\u5b9a,\u53e6\u4e00
    \u4f8b,\u7236\u6bcd\u534a\u9000\u4f11,\u5165\u606f\u6709\u9650,\u76f8\u53cd\u5b50\u5973\u6b63\u503c\u5165\u606f\u589e\u9577\u671f\u90fd\u53ef\u4ee5\u5e6b\u5230\u624b\u3002<\/li>\n\n\n\n
  2. \u5e74\u671f\u901a\u5e38\u53ef\u4f9b\u591a\u5c11\u5e74?
    \u8ddf\u5e73\u6642\u5169\u500b\u7533\u8acb\u4eba\u4e00\u6a23,\u4ee5\u5e74\u9f61\u8f03\u5927\u7684\u523075\u70ba\u9650\u3002<\/li>\n\n\n\n
  3. \u5171\u540c\u501f\u6b3e\u4eba\u64c1\u6709\u7269\u696d\u55ce?
    \u4e0d,\u5171\u540c\u501f\u6b3e\u4eba(\u4f8b\u5982\u7236\u6bcd)\u6c92\u6709\u7269\u696d\u6240\u6709\u6b0a,\u7269\u696d\u5951\u64da\u4e0a\u53ea\u6709\u552f\u4e00\u696d\u4e3b\u7684\u540d\u5b57\u3002<\/li>\n\n\n\n
  4. \u96d9\u65b9\u90fd\u8981\u8ca0\u8cac\u9084\u6b3e\u55ce?
    \u662f\u7684,\u5171\u540c\u501f\u6b3e\u4eba\u548c\u552f\u4e00\u696d\u4e3b\u5c0d\u6309\u63ed\u9084\u6b3e\u8ca0\u6709\u6cd5\u5f8b\u8cac\u4efb,\u5373\u4f7f\u53ea\u6709\u4e00\u4eba\u4f4f\u5728\u7269\u696d\u5167\u3002<\/li>\n\n\n\n
  5. JBSP\u6309\u63ed\u5982\u4f55\u5e6b\u52a9\u63d0\u9ad8\u8cb8\u6b3e\u80fd\u529b?
    \u8cb8\u6b3e\u6a5f\u69cb\u6703\u8003\u616e\u5171\u540c\u501f\u6b3e\u4eba\u7684\u6536\u5165,\u5f9e\u800c\u589e\u52a0\u53ef\u501f\u91d1\u984d,\u5373\u4f7f\u4ed6\u5011\u4e0d\u4f4f\u5728\u6216\u4e0d\u64c1\u6709\u7269\u696d\u3002<\/li>\n\n\n\n
  6. \u5171\u540c\u501f\u6b3e\u4eba\u53ef\u4ee5\u6709\u81ea\u5df1\u7684\u5176\u4ed6\u6309\u63ed\u55ce?
    \u53ef\u4ee5,\u4f46\u9019\u53ef\u80fd\u5f71\u97ff\u4ed6\u5011\u81ea\u8eab\u6309\u63ed\u7684\u8ca1\u52d9\u8a55\u4f30,\u56e0\u70ba\u8cb8\u6b3e\u6a5f\u69cb\u6703\u8003\u616e\u4ed6\u5011\u5728JBSP\u4e2d\u7684\u8cac
    \u4efb\u3002<\/li>\n\n\n\n
  7. \u662f\u5426\u6240\u6709\u501f\u6b3e\u4eba\u90fd\u8981\u4f4f\u5728\u6309\u63ed\u7269\u696d?
    \u4e0d\u662f,\u4f8b\u5982\u7236\u6bcd\u4fc2\u501f\u6b3e\u4eba,\u4e0d\u662f\u7269\u696d\u6301\u6709\u4eba,\u7236\u6bcd\u53ef\u4f4f\u5176\u4ed6\u5730\u65b9,\u76f8\u53cd,\u82e5\u4f4f\u5728\u6309\u63ed\u7269\u696d
    \u800c\u4e0d\u662f\u7269\u696d\u6301\u6709\u4eba,\u9280\u884c\u90fd\u6703\u8981\u6c42\u7c3d\u4efdOccupancy Wavier Form,\u4ee5\u8072\u540d\u5728\u7269\u696d\u4e0a\u7121\u6b0a
    \u76ca\u3002<\/li>\n\n\n\n
  8. \u4ec0\u9ebc\u95dc\u4fc2\u7684\u4eba\u53ef\u4ee5\u70ba\u5171\u5171\u7533\u8acb\u4ebaJoint Borrowers?
    \u8ddf\u5e73\u6642\u8981\u6c42\u7684\u95dc\u4fc2\u4e00\u6a23,\u7236\u6bcd\u3001\u592b\u59bb\u3001\u7236\u5b50\u6216\u4f34\u4fb6\u90fd\u53ef\u4ee5\u3002<\/li>\n\n\n\n
  9. \u4e4b\u5f8c\u53ef\u4ee5\u79fb\u9664\u5171\u540c\u501f\u6b3e\u4eba\u55ce?
    \u53ef\u4ee5,\u5982\u679c\u552f\u4e00\u696d\u4e3b\u7684\u8ca1\u52d9\u72c0\u6cc1\u6539\u5584,\u4ed6\u5011\u53ef\u81ea\u884c\u91cd\u65b0\u878d\u8cc7\u6309\u63ed,\u4f46\u9700\u7d93\u8cb8\u6b3e\u6a5f\u69cb\u6279\u51c6\u3002<\/li>\n\n\n\n
  10. \u662f\u5426\u6bcf\u9593\u9280\u884c\u90fd\u6709\u63d0\u4f9bJBSP\u6309\u63ed?
    \u4e26\u975e\u6240\u6709\u6a5f\u69cb\u90fd\u63d0\u4f9b,\u4f46\u4e00\u4e9b\u4e3b\u8981\u8cb8\u6b3e\u6a5f\u69cb\u5982Barclays\u3001Skipton\u90fd\u5f97, Halifax\u3001HSBC
    \u5c31\u4e0d\u63a5\u53d7\u3002
    It\u2019s quite common to have a guarantor in HK mortgage application. However, there is no such
    guarantor in UK mortgage. However, joint borrower sole proprietor(JBSP) would serve similar
    purpose. Following Ten questions about JBSP would help you know more how it can help
    people buy their first house.<\/li>\n\n\n\n
  11. What is a Joint Borrower Sole Proprietor mortgage?
    A JBSP mortgage allows someone (e.g., a parent or family member) to join the mortgage
    application to boost affordability, while only one person (the sole proprietor) owns the
    property. For instance a fresh graduate may add his\/her parents as borrowers. On the
    other way round, a semi retired parent may have high income children for help. It\u2019s
    commonly used by first-time buyers who need help from parents or relatives to meet
    lender affordability criteria.<\/li>\n\n\n\n
  12. What would be mortgage tenor?
    Like usual case, it\u2019s up to elder borrower age 75.<\/li>\n\n\n\n
  13. Does the joint borrower own the property?
    No, the joint borrower (e.g., a parent) doesn\u2019t have ownership rights; only the sole
    proprietor\u2019s name appears on the property deeds.<\/li>\n\n\n\n
  14. Are both parties responsible for repayments?
    Yes, both the joint borrower and sole proprietor are legally liable for the mortgage
    payments, even if only one lives in the property.<\/li>\n\n\n\n
  15. How does a JBSP mortgage help with affordability?
    The joint borrower\u2019s income is considered by the lender, increasing the amount that can
    be borrowed, even if they won\u2019t live in or own the property.<\/li>\n\n\n\n
  16. Can the joint borrower have their own mortgage elsewhere?
    Yes, but it may affect their affordability assessment for their own mortgage, as lenders will
    factor in their JBSP liability.<\/li>\n\n\n\n
  17. Are both borrowers required to live in the to be mortgaged property?
    The joint borrower may live elsewhere. If they are living in the same house, they would be
    required to sign the occupancy waiver form, in order to declare that they have no right on
    the property.<\/li>\n\n\n\n
  18. What relationship would entitle the JBSP?
    As long as there is an existing relationship this would be acceptable to us. Therefore,
    same sex and opposite sex partners would be acceptable.<\/li>\n\n\n\n
  19. Can the joint borrower be removed later?
    Yes, if the sole proprietor\u2019s financial situation improves, they can refinance the mortgage
    in their name only, subject to lender approval.<\/li>\n\n\n\n
  20. Which lenders offer JBSP mortgages in the UK?
    Not all do, but some major lenders like Barclays and Skipton. However, HSBC and
    Halifax do not have this options at this moment. Availability depends on their criteria at
    the time.<\/li>\n<\/ol>\n","protected":false},"excerpt":{"rendered":"

    \u6210\u65e5\u6709\u5ba2\u4eba\u554f\u8cb7\u6a13\u7121\u5f97\u597d\u4f3c\u9999\u6e2f\u5481\u52a0\u4e00\u500b\u64d4\u4fdd\u4eba,\u82f1\u570b\u6309\u63ed\u5c31\u771f\u4fc2\u5c11\u5462\u500b\u540d\u76ee,\u4f46\u5c31\u6709joint
    \nborrower sole proprietor ,\u4ee5\u4e0b\u662f\u6709\u95dc\u82f1\u570b\u300cJoint Borrower Sole Proprietor\u300d(JBSP)\u7684
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