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傳中銀及恆生上調新造按息 經絡料有其他銀行跟隨
阿思達克 07-02 18:39
匯豐銀行日前調升按息,市傳再有大型銀行緊隨加息步伐,中銀香港(02388.HK)及恆生(00011.HK)今日亦上調新造物業拆息按揭(H按)利率,上調新造按息及削減回贈,H按息由H+1.4%調整至H+1.5%,加幅 0.1厘;現金回贈大約再削減至貸款額之0.2%至0.5%,減幅0.3%,反映銀行審批按揭趨審慎保守,料有其他銀行相繼跟隨。

經絡按揭轉介首席副總裁曹德明認為,現時環球經濟不穩,疫情反覆,外圍市況波動,本港失業率上升,促使銀行加強風險管理,雖然現時低息環境下,按揭業務風險相對資金成本仍然高企,銀行以盈利主導的大前提下,加息以平衡資金成本、風險及利潤在所難免。銀行在按揭批核上的準則早已更為審慎,相信有機會進一步微調相關按揭優惠。

現時拆息持續低企,截至7月2日,一個月銀行同業拆息為0.46厘,以H按計劃H加1.5厘計算,實際按息為1.96厘,仍低於封頂息率2.5厘54點子,曹氏預料資金持續流入本港,拆息續於低位徘徊,即使銀行繼續微調按揭息率下,相信暫時對供樓人士未有太大實際影響。

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