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《本地樓市》利嘉閣按揭:港銀加P幅度較預期溫和
美國聯儲局一如預期再次加息0.25厘,匯豐銀行宣布上調港元最優惠利率(P)12.5點子,由5.75厘升至5.875厘,以現時大型銀行H按鎖息上限為P減2.25%計,現時實際按揭升至3.625%。 利嘉閣按揭代理董事總經理黃詠欣預計,美國聯儲局9月會暫停加息,但短期內會調頭減息的機會不大。至於香港方面,現時香港銀行體系結餘維持於約447億元的水平,加上拆息高企,截至周四(27日)一個月拆息連續八個工作天處於5厘以上,加上大型銀行都加入高息搶存,而早前有中小型銀行已把H按鎖息上限調整為5.875厘(即最優惠利率(P))水平,反映部分中小型銀行不再積極於按揭市場,種種跡象都顯示,香港銀行資金成本壓力正上升,本次跟隨美國加最優惠利率(P)屬預期之內,而幅度僅為0.125%則較預期溫和。 連同是次上調P,香港這轉加息周期累積加息0.875厘,幅度明顯較美國溫和,連同期間銀行曾調整按揭封頂息率,實際按息較一年前未上調封頂息及未加P前,累積加了1.125厘。以每100萬元按揭貸款額計,現時供款較一年前上升約609元(升幅約15%)。 不過,今年次季起多家銀行先後多次上調按揭現金回贈,現時部分銀行非按保現金回贈升至2.6%至2.8%,足以抵銷數月的按揭利息支出。假設貸款額500萬元的話,可以有約13萬元現金回贈(以最低2.6%回贈計),便等同於息率3.625%之下,抵銷了約九個月的利息開支。
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