《本地樓市》經絡:累計8間銀行再度上調H按鎖息 料明日港銀將再加P按息0.25釐
據報再有中小型銀行計劃上調拆息按揭計劃(H按)的封頂息率0.25釐,根據消息,現時累計8間銀行已再度上調H按計劃的封頂息率。
經絡按揭轉介首席副總裁曹德明表示,今晚美聯儲議息會議將大機會繼續加息0.5釐,即年內第七度加息,而今日一個月HIBOR最新報4.97釐,連升兩個工作日,再度逼近5釐即十五年高位,並超過一個半月維持3釐以上。曹德明料本港銀行將於明日議息會議後第三度調升最優惠利率P,加息幅度最少約0.25釐。
如經絡早前預料,多家銀行預計息率走勢、因應資金成本壓力下計劃再度上調H按鎖息上限,爲利率上升前再作準備。他預計,其他銀行最遲本月底前或將陸續跟隨調升H按鎖息上限,而現時銀行因應自身策略而各自調整其按揭產品,除一、二手物業的按揭計劃或有所不同,亦有個別銀行針對性地調整非按保申請的按揭息率,銀行之間的按揭產品按息差距將繼續不一致,有意置業人士申請按揭時建議貨比三家,多作比較及選擇最合適的按揭計劃。
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