請求「與財務公司各持半層樓」的啟示

All 3 answers are correct and accurate.

In fact, the key of the issue is entirely upon how the company responds.

(1)“乙可以永遠住。” (論據： “財務憑什麽叫乙走 ？”)

One of the rights of an owner is the right to use. So the company is in fact lack of excuses to "evict" or ask the current occupant to move out.

However - the company can also request rental payment for the loss of use.

(2)“財務會要求乙先搬出，待它把樓賣出後，再分錢給乙” (論據： “乙不走，財務怎賣樓？”)

Partition Ordinance allows the court to force a sale.

(3)“乙「理論上」可以繼續住。” (論據： “但財務會出招---包括「正途」與「非正途」(lawful & unlawful means) ， 務求乙住得不安，最終同意合作賣樓”)

The company won't use unlawful means, as there is no need. The logic is basically what mentioned above.

The best resolution is the remaining owner should buy back the property as early as possible to reduce any potential issues.

以上三個說法都有道理。聯名物業，單邊業權借錢，財務公司好難收樓，就係因為甘，所以即使業主貸款作為物業擔保形式嘅貸款，利息都仲係比較貴。
財務公司係會同乙協議賣出層樓后分錢給乙。
如果乙唔賣，乙的確可以繼續住層樓，但財務公司真係會出招，甚至乎安排背景複雜D嘅人得閒上去住下，畢竟財務公司都係業主之一，佢有權甘做。到時你唔賣層樓都唔得啦。
如果層樓欠債係樓價七八成以內仲係可以經我地公司穩銀行按揭，于財務公司贖樓轉返銀行按揭的。如果有需要可以PM我。