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H按與P按之風險分別在哪里? @ 2011-09-22T03: Back Hot News
Keyword:加按息 永隆
Concept:
永隆銀行按揭及私人貸款中心主管蔡爾全表示,金管局收緊按揭及資金成本上升,令銀行在按揭貸款中賺取的息差微薄,是銀行陸續加按息的原因,但暫時銀行對物業估價未見下調。
本港銀行陸續開始加按息,永隆銀行按揭及私人貸款中心主管蔡爾全表示,會留意市場反應及其他銀行策略,資金成本上升,不排除短期內調整H按及P按息率,幅度會因應情況而定。
永隆銀行按揭及私人貸款中心主管蔡爾全表示,由於銀行資金需求增加,預計中小型銀行會跟隨中銀<02388.HK>及匯豐上調按揭利率。但由於各銀行H按利率相差25-50點子,料同業會視乎本身業務情況加按息,升幅或低於匯豐的半厘,該行會密切留意市況,再決定會否調整按息。他又認為,本港樓市成交主要受外圍市況影響,即使業界今次調高按息,但仍屬低水平,相信加息對心理影響較大。(s...... 請在這里發表您個人看法,發言時請遵守法紀注意文明。

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