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銀行加H按鎖息上限美聯布少明︰樓市雪上加霜 @ 2023-09-09T20: Back Hot News
Keyword:匯豐 按揭 上調 按封頂息
Concept:匯豐銀行上調 , 按揭封頂息率
中原按揭董事總經理王美鳳表示,今年在加息周期歷程下,反映銀行資金成本的銀行同業拆息持續處於高水平,與樓按相關的1個月港元拆息由5月至今連續五個月處於逾4厘水平,拆息持續高現時市場按息3.625%水平,反映銀行資金成本持續有上升壓力,加上按揭現金回贈上升至高達3%-3.1%為18年來新高,銀行按揭業務難有合理利潤;相信匯豐決定上調新造按揭息率及縮減現金回贈優惠主要是紓緩資金成本上升的加息壓力。
【明報專訊】1個月拆息5月以來升越4厘甚至上試5厘,不過大型銀行保持按揭利息定價不變,再加上提高現金回贈爭取市場。不過,資金成本繼續高企,加上按揭市場淡靜,降低銀行爭取按揭業務誘因,匯豐銀行決定調整按揭息率,自9月18日起提交的申請,H按鎖息上限由最優惠利率(P)減2.25厘,升至P減1.75厘,以現時P息計算,實際按息將升0.5厘至4.125厘。另外,現時處於18年高位的現金回贈,市傳亦由最高3.1%降至2%。分析指出1個月拆息料續高企在4厘,其他銀行將會跟隨上調按息。
有報道指,匯豐銀行計劃本月18日起,將H按封頂利率由最優惠利率(P)減2.25厘,上調至P減1.75厘,實際封頂息由3.625厘增至4.125厘。不過,按揭現金回贈由原先最高可達3.1%大幅削減至1.75%。

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