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匯豐渣打調高新造按息0.25厘 @ 2013-03-14T10: Back Hot News
Keyword:按息
Concept:匯豐渣打加按息 , 新造按揭加息
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)
匯豐渣打加按息0.25% 中銀或跟進 港樓
據香港文匯報報道,樓市低息環境或提早完結,港銀年半來首度加按息。匯豐及渣打昨先後宣布,今起上調P(最優惠利率)按及H(拆息掛)按的新造按息0.25厘,匯豐的P按實際按息由最高2.9厘上調至3.15厘,以一個300萬元物業承做七成按揭供款25年計,加息後每月供款增加273元或2.7%,至10,123元。市場預料稍後其他銀行亦會同步上調按息,加上早前政府連串辣招繼續發酵,令樓市加快進入調整期。受加息消息影響,昨晚二手市場即有業主降低叫價,減幅最多達一成。
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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