恆生銀行林燕勝:「還息不還本」推出以來已批出數百宗申請
恆生銀行(00011.HK)商業銀行業務總監林燕勝在網上會議表示,現時銀行根據金管局指引,承造樓宇按揭的成數一般為四至五成,部分較高成數的按揭獲按揭保險公司的保障,而每宗申請亦要通過壓力測試。
他表示,銀行有向客戶提供「還息不還本」及改變貸款的安排,由推出至月初已到超過2,000個查詢,當中已批出數百宗申請。基本上若供款正常,銀行不會強制收回貸款,現時該行亦看到「銀主盤」數目不多。至於銀行一般在承造豪宅按揭時都會採取保守態度。
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