中原按揭:年底按息或升至3厘附近水平
匯豐銀行在上月推出首年定息計劃,今日加碼推出首兩年定息計劃,在貸款期的首兩年固定按揭息率為2.75厘。中原按揭董事總經理王美鳳表示,本港處於加息周期,現時市場息率介乎2.625%至2.875%,年底按息有機會升至3厘或附近水平,相信兩年期定息率2.75%,可讓用家有慳息及抵銷加息的效果,尤其在置業初期可讓買家鎖定首兩年月供金額不變免受息率上升影響。
王美鳳指出,最近息率趨升,反映銀行資金成本的1個月拆息已升至約2.6%水平,12個月拆息更升至4.3%水平,大型銀行推出兩年低息定按,讓按揭用家可鎖定兩年低息2.75%,反映銀行樓按取態積極正面。
王美鳳表示,匯豐於今年8月中推出首年定按計劃,現再加碼提供多一個兩年定按計劃供客戶選擇,根據最新7月份住宅按揭報告,並未反映有關新定按使用情況,定按選用比例連續4個月維持僅0.1%,預料有關新定按計劃可推升市場定按使用率。參考過往在對上一次加息周期,銀行亦相繼於2017年至2018年推出首年至首三年之定息按揭計劃,同樣結合低息及定息保障,推升定按使用率於2018年4月曾高達49.3%。
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