世邦魏理仕:放寬按揭成數效果有限 主要是融資成本升阻礙買家入市
世邦魏理仕香港估值及諮詢服務部資深董事郭偉恩表示,政府考慮進一步放寬首置人士按揭成數,可有助支持樓市。然而,在2022年2月,適用於首次置業人士的9成按揭保險的合資格物業價格上限,已經調整為1,000萬元,涵蓋現時市場75%至80%的成交。因此,進一步放寬按揭成數的效果有限。
郭偉恩表示,融資成本上升仍是阻礙買家入市的主要因素,成交量預計大致持平,短期內每月大約在4,000宗左右,其中約四份一成交將來自一手市場。由於發展商目前提供較多優惠,買家或傾向購入發展商的單位。
郭偉恩指,儘管一手成交在5月按月下跌35.5%,但連續三個月錄得至少1,000宗。大量貨尾單位及持續新盤供應令發展商加快推銷,以優惠價格吸引買家。一手買賣佔據部份二手市場成交。
郭偉恩續指,根據差餉物業估價署,樓價年初至今上升5.8%。儘管樓價已經連續4個月上升,但升勢似乎有所減弱,2023年4月僅按月微升0.5%。(ca/w)
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