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吁市民借貸要量力而為金管局:按揭利率或上升 @ 2014-02-08T06: Back Hot News
Keyword:樓市 利率 金管局 本港 陳德霖指 有上升
Concept:陳德霖指樓市 , 本港按揭利率有上升
另外,金管局指,本港私人貸款逾期貸款率介乎1-2%,但現時利率水平不正常,隨著利率正常化,預計私人貸款逾期貸款比率將攀升。
金管局總裁陳德霖昨日表示,2008年第四季至2009年有1000億美元流入本港,隨著美國退市而來的利率正常化,資金無可避免會流走。事實上,本港過去幾年經濟持續增長,但息率卻不正常地長期低水,主因是美國量寬政策所致。隨著美國退市啟動,利率漸趨正常化,將加大銀行體系的資金壓力,本港可能較美國更早加息,令樓市出現逆轉。當局須及早築好防火牆,加強銀行體系的風險管理,防止對金融體系造成沖擊。
財經事務及庫務局副秘書長陳美寶表示,調整樓市措施需考慮不少因素,置業負擔能力是其中一個重要因素,雖然目前本港樓價下跌,成交減少,顯示樓市已降溫,但強調外圍資金流向及利率變化均對樓市有較大影響,政府會整理關數據,於措施推出一年後作全面檢視,並向立法會交代。

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