You are browsing the Hong Kong website, Regulated by Hong Kong SFC (CE number: BJA907). Investment is risky and you must be cautious when entering the market.
東方金誠:內地6月LPR報價不變符預期 料下半年或獨降五年期以上LPR報價激發購房需求
內地信貸評級機構東方金誠發表報告指出,今早人民銀行授權全國銀行間同業拆借中心公佈新版LPR報價,一年期品種報3%(4月爲3%);五年期以上品種報3.5%(4月爲3.5%)。東方金誠髮指,內地6月兩個期限品種的LPR報價保持不變,符合市場預期。主要原因是5月人行實施政策性降息後,當月兩個期限品種的LPR報價同步下調,當前正在向貸款利率傳導;6月政策利率保持不變,影響LPR報價加點的因素也沒有發生重大變化,因此6月兩個期限品種的LPR報價不動符合市場預期。該行預計,短期內將進入政策觀察期,LPR報價有可能繼續保持穩定。 往後看,下半年外部環境仍面臨很大不確定性,在大力提振內需、「更大力度推進房地產市場止跌回穩」過程中,LPR報價還有下調空間。監於中美經貿談判還將經歷一個複雜曲折的過程,外部環境波動對出口的影響將主要在下半年顯現,在物價水平偏低的背景下,預計下半年央行還會繼續降息,並帶動兩個期限品種的LPR報價下調。這將引導企業和居民貸款利率更大幅度下調,降低實體經濟融資成本,激發內生性融資需求,是下半年擴投資促消費、緩解外部衝擊的一個重要發力點。 另外,考慮到下半年穩樓市政策需進一步加力,特別是5月7日人行宣佈下調公積金貸款利率0.25個百分點,爲後期居民商業房貸利率下調打開空間,預計下半年監管層有可能通過單獨引導五年期以上LPR報價下行等方式,推動居民房貸利率更大幅度下調。這是現階段緩解實際房貸利率偏高問題,激發購房需求,扭轉樓市預期的關鍵一招。
Follow us
Find us on Facebook, Twitter , Instagram, and YouTube or frequent updates on all things investing.Have a financial topic you would like to discuss? Head over to the uSMART Community to share your thoughts and insights about the market! Click the picture below to download and explore uSMART app!
Disclaimers
uSmart Securities Limited (“uSmart”) is based on its internal research and public third party information in preparation of this article. Although uSmart uses its best endeavours to ensure the content of this article is accurate, uSmart does not guarantee the accuracy, timeliness or completeness of the information of this article and is not responsible for any views/opinions/comments in this article. Opinions, forecasts and estimations reflect uSmart’s assessment as of the date of this article and are subject to change. uSmart has no obligation to notify you or anyone of any such changes. You must make independent analysis and judgment on any matters involved in this article. uSmart and any directors, officers, employees or agents of uSmart will not be liable for any loss or damage suffered by any person in reliance on any representation or omission in the content of this article. The content of the article is for reference only and does not constitute any offer, solicitation, recommendation, opinion or guarantee of any securities, virtual assets, financial products or instruments. Regulatory authorities may restrict the trading of virtual asset-related ETFs to only investors who meet specified requirements. Any calculations or images in the article are for illustrative purposes only.
Investment involves risks and the value and income from securities may rise or fall. Past performance is not indicative of future performance. Please carefully consider your personal risk tolerance, and consult independent professional advice if necessary.
uSMART
Wealth Growth Made Easy
Open Account