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美联:本港低息环境势持续 为楼市带来正面作用
阿思达克 09-19 15:56

美联储一如预期减息0.25厘,美联物业住宅部行政总裁布少明回应称,虽然香港大型银行今次同样未有跟减,但美国接连减息下,相信香港低息环境势将持续,为楼市带来正面作用。随着本月多个新盘项目登场,估计本月一手交投录2,000宗以上。

由於美国自2015年底开始的加息周期,一共加息九次,息率累升2.25厘,而期间香港只「跟加」一次,而加幅仅为0.125厘,因此即使美国近两个月内连续减息两次,但香港大型银行今次仍未有跟减,故采用P按供楼人士的供楼支出未有因此减轻;不过若然未来美国息率持续调低,不排除香港息率亦有机会下调。

以一个600万元单位为例,以承造六成按揭及25年还款期,假设以按息2.625厘计算,每月供款约16,378元。假如未来减息0.125厘(以按息2.5厘计算),届时每月供款将减至约16,150元,即减少约228元。假如未来减息0.25厘(以2.375厘计算),同样一个600万元单位的每月供款将减至约15,925元,即减少约453元。

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