按证公司:定息按揭试验计划将於本周四起接受申请
按揭证券公司宣布,定息按揭试验计划将於今年5月7日(星期四)起接受申请。因应市场利率的变化,试验计划的年利率将较原先在2020至21年财政预算案中公布的水平有所下调。10年、15年及20年定息按揭试验计划的年利率分别为2.55%、2.65%及2.75%。
试验计划将通过银行提供,接受申请的银行包括中银香港(02388.HK)、创兴银行(01111.HK)、大新银行(02356.HK)、中国工商银行(亚洲)、上海商业银行、渣打银行(香港),以及东亚银行(00023.HK)。另外,有多家银行表示有兴趣加入。
定息按揭试验计划的总贷款额10亿元,每宗私人住宅贷款上限1,000万元。定息期完结後,借款人可继续选择采用定息按揭或转为浮息1续期。考虑到借款人在定息期内不受利率波动影响,而定息期长达10年或以上,按揭证券公司已徵得香港金融管理局同意,借款人毋须符合加息压力测试,但现行的供款与入息比率要求仍然适用。
试验计划的申请期约6个月,至今年10月31日止。
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