中原按揭王美凤料放宽按保可促进二手市场流转率
对於新一份政府施政报告中，政府放宽由香港按揭保险有限公司提供的按揭保险计划的楼价上限。中原按揭董事总经理王美凤表示欢迎，她认为首期不足是最大的上车阻力，自09年起楼按措施推出多次至今，楼价升幅已达两倍，按保计划调整前，上车及换楼人士可运用按保计划之机会其实不高。今天政府公布调整按保计划後之楼价上限贴近回市价现实水平，可重新发挥原先协助市民自置物业之作用，帮助用家以低首期上车，解决首期困难。按照目前楼价水平，上车楼盘较多介乎600万至800万元，故此9成按保计划楼价上限提升至800万元有助真正协助上车入市置业；而8成按保计划楼价上限提升至1,000万元亦有助自用物业之换楼家庭增加二手市场之选择。
王美凤指出，在多项楼按措施下近年二手楼市流转减慢，准买家上车难度增，市场购买力侧重於一手新盘，原因是很多时一手新盘设有高成数一按或二按付款方法，按揭成数高达八成至九成，但二手物业按揭成数在措施下却一般只限五至六成；现时政府将九成按保楼价上限放宽至800万元，以购买800万元单位为例，首期由低至320万元减至80万元。而八成按保楼价上限放宽至1,000万元，即基本首期由500万降低至200万；新措施大大降低上车或换楼门槛。而放宽按保楼价上限可有助促进二手物业交投，让买家在二手物业市场可有更多楼盘选择，平衡有利楼市健康发展。
王美凤相信，温和放宽按揭保险计划不会令信贷风险明显提高，因为按揭保险计划不同於一般按揭，用家需为银行购买按揭保险以保障超过楼价六成的信贷风险，银行无需承担额外信贷风险，而有关按揭保险费用由借款人支付。
她续指，今次放宽按保中，若首置人士未能符合压力测试，仍可申请8或9成按揭，只是保费会有额外调整，相信与本港加息周期已告一段落有关，这也反映是时候全面调整「压力测试」的制度，「压力测试」的假定加息幅度应要作出调减才较合理；加上楼价仍处高水平，按保提高楼价上限後，贷款额增高亦令用家需要更高入息要求，她建议这个假定升幅可由3厘降低至1厘，除了基於加息周期已暂告一段落，调整压测假定加幅可让计法更合理，避免用家上会过於困难。
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