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经络美联储需至少减息一厘或以上香港才会跟随
阿思达克 07-24 16:51

经络按揭转介高级副总裁曹德明於记者会指,相信美国联储局下半年只减息一次,并会密切留意经济最新数据,及看市场反应再决定下一轮部署,年内减息两次机会微。

他表示,过去香港自2015年美国加息周期,加息合共九次时,才加息一次,按逻辑上,是次减息(周期)亦至少需减息一厘或以上,才会跟随调整最优惠利率(P),或需历时三年的时间。

曹氏又称,自有大型银行将转按的优惠减少,包括将现金回赠由2.1%降低至1.5%,及将实际封顶按息增加10点子至2.475厘,批核过程亦变得比以往严谨,因应两年前选用按揭的业主,大多封顶息率为P-3.1%,转按後封顶息率为P-2.9%,即已变相加息20点子,令转按诱因下降。故预期全年转按宗数跌5%至10%。

他续说,部分中小型银行暂未跟随调整优惠,相信不少业主会赶乘转按低息「尾班车」,或会令四大银行一直以来超过七成的按揭市占率呈下跌趋势,如情况持续,中小型银行的市占率或有望重返三成以上水平。

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