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《本地樓市》經絡:匯豐銀行2年定息按揭具吸引力 料定按選用比例有上升空間
阿思達克 09-28 16:03
匯豐銀行宣布新增首2年定息按揭計劃,首2年息率固定為2.75厘,其後息率以H加1.3厘計算。經絡按揭轉介首席副總裁曹德明表示,是次匯豐銀行新增的定息按揭計劃具吸引力,現時多間銀行已先後上調最優惠利率(P)0.125厘,一般新造H按封頂息率及P按實際按息已升至2.875厘,比匯豐定按計劃高出1/8厘。另外,9月份香港按揭證券有限公司推出的10年、15年及20年期定按計劃息率分別為3.5厘、3.65厘及3.8厘,息率亦較匯豐定按計劃高。 另外,一個月銀行同業拆息(HIBOR)已連續7個工作日升穿2.5厘,相信H按實際按息將會一段時間維持封頂水平,如銀行年內追加息(P),H按及P按的實際按息將會進一步上調,業主供款開支將會跟隨提升。相比之下,匯豐定按計劃將更具吸引力,除可於加息周期其間慳取更多利息開支,亦可鎖定指定年期的息率,置業人士可減低利率波動的風險,相信將會吸引新造按揭及部份轉按客戶選用,定按選用比例或有上升空間。 曹德明續指,今年受疫情影響,按揭宗數按年有所回落,料其他銀行基於按揭業務仍未達標的情況下,將會各自推出不同按揭產品及相關優惠吸引客戶搶攻市場份額,對樓按市場屬正面影響。
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