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匯豐渣打加息0.25厘對股市樓市心理沖擊大 @ 2013-03-14T08: Back Hot News
Keyword:加按息 加息 新造 匯豐渣打
Concept:新造按揭利率 , 350元匯豐渣打加按息
永隆銀行按揭及抵押貸款部主管蔡爾全指,是次大行帶頭加按息屬市場預期之內,加幅亦算溫和,因上調按揭風險加權資產比率只影響個別銀行成本,故不至於引發加息潮。恆生(00011)、東亞(00023)、星展香港同樣受到新措施所影響,上述銀行昨日未有調整新造按息,惟會繼續密切注意市場情況。(曉峰)
市場盛傳匯豐因應成本上升,本周內將帶頭上調按息,中銀及渣打很可能會跟隨。不過,由於目前樓市淡靜,樓宇按揭業務萎縮,大部分銀行在要保住按揭業務不大幅倒退方面已經「爆頭」了,應不會貿然加息趕客,所以市場估計有條件加按息的銀行,加幅亦不可能太大,一般預計加25點子,以彌補金管局要求新造樓按風險加權比率不得低過15%下限的新增成本。
香港金管局要求銀行加強樓按審批時的壓力測試,並提出銀行要將新造樓按風險加權比率不得低過15%的下限,有銀行業界指出,這樣的安排將令銀行的風險加權 比率增加,需要更多資本來符合要求,未來或導致銀行樓按成本上升,令按揭息率有上升壓力。匯豐早前已表示,新措施會令按息重新訂價。渣打(2888)昨亦 附和指,目前樓按的加權風險比率低於一成,需要加按息紓緩成本壓力,加息幅度可能20至25點子。

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