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富邦銀行搶先上調H按封頂息 據報星展亦擬上調
阿思達克 06-30 09:26
富邦銀行昨日(29日)宣佈,新造拆息掛鉤按揭(H按)的封頂息率,由最優惠利率(P,該行爲5.375釐)減2.875釐,上調至P減2.65釐,即封頂息由2.5釐升至2.725釐,上調0.225釐。 有報道指,星展銀行擬將新造H按的封頂息,由P(該行爲5.25釐)減2.75釐,上調至P減2.65釐,即由2.5釐升至2.6釐。星展銀行迴應報道僅稱,會定期審視按揭產品及服務,維持市場競爭力。 中銀香港(02388.HK)迴應本地報章表示,會密切留意市場,不時檢討按揭服務條款,以維持競爭力。亦有報道指,匯豐銀行未有調整按息。 分析認爲,個別中小銀行已達今年按揭業務目標,加上資金成本較受拆息變動影響,因而在H按息尚未觸及鎖息上限,便先行上調,確保新造業務日後有更高利潤,不過大型銀行爲爭取市佔率,暫無需要跟加。
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