The option of offloading risk exposure of mortgage loans to the HKMC when required will encourage more banks to offer refinancing to borrowers in negative equity.

• 新的购买准则为银行提供选择于有需要时出售该等按揭贷款予按揭证券公司。此举将可鼓励更多银行为负资产贷款人提供转按。