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中銀香港明起加按息0.25厘 @ 2013-03-21T03: Back Hot News
Keyword:按息 東亞
Concept:新造按息四分一厘 , 中銀香港上調最優惠按揭利率
繼匯豐、渣打、恒生及交通香港之後,東亞亦跟隨加按息,昨宣布今日起調高新造按揭息率四分一厘。由P(最優惠利率)減2.1厘至P減2.6厘,調高至P減1.85厘至P減2.35厘,實際按息2.9厘至3.4厘,現金回贈為0.2%不變。
該行補充,新措施采用「內評法」將消耗銀行一級資本,早前渣打銀行表示政府新指施將令按揭成本上升20-25個點子,故認為銀行會將提高了的成本轉嫁至借款人,即透過增加按揭利率去賺取更多淨利息收入及淨息差,預期按息增加25個點子將能令中銀香港(02388.HK)、匯豐、東亞(00023.HK)的淨利息收入分別提升1.9%、2.1%及0.7%。
現時香港采用《內評法》風險加權比率計算新造按揭資本承擔的銀行共有8間,包括匯豐(00005)和中銀香港(02388)等,由於金管局提高有關資本要求,「受影響」的匯豐、恆生(00011)、渣打(02888)和東亞(00023)已陸續上調按息0.25厘。
--中銀香港 發言人稱,會因應市場情況,考慮在適當時候對按揭利率作出調整。東亞銀行 、大新銀行 、永隆銀行及花旗香港等均表示按息未有改變。

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