按證公司:定息按揭試驗計劃將於本周四起接受申請
按揭證券公司宣布,定息按揭試驗計劃將於今年5月7日(星期四)起接受申請。因應市場利率的變化,試驗計劃的年利率將較原先在2020至21年財政預算案中公布的水平有所下調。10年、15年及20年定息按揭試驗計劃的年利率分別為2.55%、2.65%及2.75%。
試驗計劃將通過銀行提供,接受申請的銀行包括中銀香港(02388.HK)、創興銀行(01111.HK)、大新銀行(02356.HK)、中國工商銀行(亞洲)、上海商業銀行、渣打銀行(香港),以及東亞銀行(00023.HK)。另外,有多家銀行表示有興趣加入。
定息按揭試驗計劃的總貸款額10億元,每宗私人住宅貸款上限1,000萬元。定息期完結後,借款人可繼續選擇採用定息按揭或轉為浮息1續期。考慮到借款人在定息期內不受利率波動影響,而定息期長達10年或以上,按揭證券公司已徵得香港金融管理局同意,借款人毋須符合加息壓力測試,但現行的供款與入息比率要求仍然適用。
試驗計劃的申請期約6個月,至今年10月31日止。
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