《本地樓市》經絡:市傳大型銀行按揭現金回贈高達3.15% 或屬短期推廣策略
有報道指,市傳有大型銀行大幅調升按揭現金回贈至3.1%至3.15%。經絡按揭轉介首席副總裁曹德明認為,因大型銀行存款基礎較中小型銀行多,為追趕全年按揭業務,個別大型銀行以高現金回贈方案爭取按揭生意。惟認為是次加碼現金回贈只屬短期推廣策略,不排除該大型銀行將於短期內收窄優惠。
曹德明指,本港樓按市場持續疲弱,根據金管局住宅按揭統計,今年首半年新取用按揭貸款額及宗數為1,223.06億元及26,006宗,分別按年減少20%及18%,貸款額及宗數創近七年的首六個月新低,加上受上月加息因素影響,料下半年整體按揭市場或再放緩。
另一方面,現時一個月HIBOR仍然高企,中小型銀行資金成本面對一定壓力,上月個別中小型銀行上調最優惠利率的幅度比其他銀行多,並且將H按鎖息上限大幅上調至P厘。曹德明表示,中小型銀行的競爭力進一步下降,料客戶將傾向選用能提供較多優惠的大型銀行承造按揭,料年內四大銀行的市佔率將會繼續上升。
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