中原按揭料中小銀行跟隨加按息 轉按申請勢減
近期大型銀行相繼調整按息以改善按揭息差利潤,中原按揭董事總經理王美鳳回應稱,資金成本上升下(與樓按相關的一個月拆息持續接近2厘上落徘徊,加上定存競爭加劇、港元貸存比率維持高水平等),其他大型銀行亦相繼跟隨上調按揭息率及優惠,以進一步改善按揭業務利潤及息差,及抵銷資金水平上漲影響。由於大型銀行調整按揭優惠具指標性作用,預料中小型銀行將會逐步跟隨調整,但實際調整視乎銀行的資金成本及樓按積極性。
王美鳳指出,新一輪按揭調整後,年內新按息率加幅調整合計0.25%,每月供款增幅約近3%,相信對樓市影響輕微,相信年內銀行調整按息行動已告一段落,加上美國年內有機會再減息,按息將維持約兩厘多的低水平。
由於轉按息率較目前大部分業主享有之按息將高出0.25%,加上轉按回贈已降至主要為1%甚至個別已沒回贈,轉按誘因已大減,料轉按申請將會大幅減少,相信轉按尾班車後,第四季轉按數字將大跌四成以上。
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