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《本地樓市》中銀調整按揭息率 中原按揭料市場即時出現加快提交新按轉按申請
阿思達克 09-08 15:40
中銀香港(02388.HK)公布調整按揭息率,將拆息按揭(H按)封頂息上調0.25%,至實際按息2.75%,最優惠利率按揭(P按)僅上調0.1%至實際按息2.6%。 中原按揭董事總經理王美鳳指,中銀香港是次調整按息及H按封頂息率的安排反映銀行樓按取態正面,一手物業未有調整封頂息率維持按息低至2.5%,而二手物業P按息加幅僅0.1%,實際按息2.6%低於H按加封頂後之實際息率2.75%,相信其他大行將會跟隨,亦將推動二手物業用家選用P按,變相加P前二手樓按息由2.75%降回至2.6%。 王美鳳相信,四大銀行之中已有三家銀行調整按息,相信其他未調整息率的銀行快將跟隨。為了平衡競爭力,相信再有大型銀行跟隨維持新盤封頂息2.5%不變及二手樓P按息低至2.6%水平;而中銀香港有關新調整將於9月15日才生效,預期市場會即時出現加快提交新按轉按申請的短期尾班車。 王美鳳表示,是次調整僅限於有關銀行的新按揭申請人受影響,舊有已正在供樓的按揭客戶則不受影響,對於二手物業買家新造按揭,若選用P按,按息低至2.6%,對比原有P按息及H按封頂息2.5%,30年期計,每100萬元按揭額每月供款增52元,加幅1.3%。若選用H按,封頂息升至2.75%,30年期計,每100萬元按揭額每月供款則增加131元,加幅3.3%。另外,以現時平均按揭額約500萬元計,選用P按每月供款增261元(+1.3%)。
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