《本地樓市》經絡：9月現樓按揭宗數按月大跌近3成
阿思達克 10-03 14:00
根據經絡按揭轉介研究部及土地註冊處最新資料顯示，2022年9月份現樓按揭宗數為6,538宗，
按月大減29%，連升四個月後回落。而該月的樓花按揭宗數為199宗，按月減少11.2%。對比去年同期，今年9月份現樓按揭宗數按年大減40.3%；樓花按揭宗數按年大減63.5%。
以首九個月比較，今年首九個月現樓按揭宗數錄得65,552宗，按年減少13.4%；首九個月樓花按揭宗數則為3,273宗，按年減少26.4%，創自2011年即11年後的首9個月新低。
以季度比較，今年第三季現樓按揭宗數錄得22,764宗，按季上升33.7%；樓花按揭宗數則為525宗，按季下跌15.2%，創自2013年第3季後的季度新低。
經絡按揭轉介首席副總裁曹德明表示，9月份現樓及樓花按揭宗數雙雙下跌，現樓宗數更大跌近3成，
相信是因近月一二手市場交投淡靜，加上加息陰霾下，市場氣氛觀望，影響買家入市意慾。
現樓銀行市佔率方面，中國銀行(香港)連續14個月榮登冠軍寶座，市佔率為23.8%；匯豐銀行以市佔率22.3%排名第二；而恆生銀行以市佔率達13.1%排名第三；渣打銀行排名第四，市佔率達10.6%；中國工商銀行(亞洲)上升2級排名第五，市佔率達3.8%。
樓花排名方面，中國銀行(香港)重奪冠軍寶座，以市佔率25.6%排名第一；匯豐銀行下跌一級排名第二，市佔率達23.1%；渣打銀行排名第三，市佔率為17.1%；而恆生銀行排名第四，市佔率達15.1%；花旗銀行及交通銀行排名第五名，市佔率達3%。
四大銀行及中小型銀行市佔率的差距收窄，2022年9月份四大銀行現樓市佔率由上月70.7%下跌至69.9%，而中小型銀行市佔率則由上月29.3%上升至30.1%。曹德明表示，今年本港樓按市場受疫情影響，交投按年回落，料銀行基於按揭業務仍未達標的情況下，將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，以爭取第四季表現作最後衝刺，料客人偏向選擇優惠較多的銀行承造按揭。
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