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《大行報告》摩通:按揭仍為支持港銀貸款增長關鍵 惟不太可能出現重大提升
摩根大通發表研報指,香港按證保險公司上周宣布就樓花住宅物業修訂按揭保險計劃,價格為1,000萬元或以下的合資格樓花物業,最高按揭保險成數提升至九成,預期雖然銀行按揭貸款利率仍有上行潛力,加上樓市依然疲弱,但新措施料可降低買家首期壓力,對一手市場產生正面影響。 考慮到借貸成本上升和經濟復甦乏力,該行目前預期今年下半年貸款增長前景整體表現平平。摩通指,此為監管機構近月第二度放鬆樓市政策,但與7月份房地產按揭貸款整體LTV的調整相比,今次政策增量收益預期較少,認為按揭貸款仍然是銀行業貸款成長的關鍵支撐,但不太可能出現實質大幅度提升。
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