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李令翔:擔心長遠利率風險可選定息按揭按證公司定按息率8月起上調| am730 @ 2022-07-29T20: Back Hot News
Keyword:按證公司 定息按揭 定按 李令翔 擔心長遠利率風險可
Concept:按證公司李令翔 , 擔心長遠利率風險可考慮定息按揭
李令翔指,定息按揭能減低置業人士面對利率波動的風險。按證公司於2020年5月再度推出定息按揭試驗計劃,並在2021年11月把計劃恆常化,提供10、15和20年期的定息按揭貸款。一些采用上述工具的置業人士,有效地控制了利率風險。例如,今年初10年期定息按揭年利率為1.99%,高於當時浮息按揭實際利率(約1.4%)。但6個月後,浮息按揭實際利率已升達2.5%,且有繼續上升的趨勢,可見定息按揭有其可取之處。
李令翔指出,現時利率環境與年初已大為不同,按證公司亦已宣布調整定息按揭計劃

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