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金管局:銀行不會單因樓價下跌call loan 惟因應客戶營運情況有風險管理(20:08) - 20240220 - 即時財經新聞 @ 2024-02-21T00: Back Hot News
Keyword:銀行 小巴 call loan 金管局 Call Loan
Concept:潮聯都有份 , 樓價下跌銀行不會
本港樓市持續疲弱,市場出現個別銀行「CALL LOAN」(銀行提早追收貸款) 情況。今日更有傳媒引述消息指,CALL LOAN情況已蔓延至小巴抵押貸款。報道指,部份本地銀行今年年初向多名信貸紀錄欠佳的小巴車主CALL LOAN,主要針對以小巴牌抵押貸款400萬至500萬元的車主,並向部份無法提早償還貸款的車主,通知扣押旗下小巴。
過去數年美國不斷加息,加上疫情影響下,公共小巴業務大受沖擊,生意減少之下,小巴從業員專頁「MINIBUS COLLECTIONS」版主向《AM730》表示,不少小巴車主現時要「貼錢供車」。版主表示,金管局在疫情期間為車主提供「供息唔供本」計劃(預先批核還息不還本),但現時計劃陸續完結,銀行遂向車主「CALL LOAN」。他又表示,不少小巴車主均有參與計劃,但現時不論有否供息,小巴營業的收入都不能負擔供車費用,令車主慘變負資產,「以前(車主)都要供兩萬蚊左右(利息),但(依家)加埋息,供款都超過三萬零」。
有報道引述小巴業界消息,有本地部分銀行自今年初起,向小巴車主采取俗稱「CALL LOAN」的提早收回按揭貸款行動,主要針對拖欠貸款達400萬元以上的小巴車主。若車主無力還債,銀行即會要求扣押有關小巴(抵押品)以便變賣。有業界人士坦言,其實以往在「供息唔供本」計劃下每月要還2萬小巴按揭利息都已經不容易。現時紓緩計劃陸續結束,按揭息率又大增,每月小巴牌供款遂動輒超過3萬元,令不少小巴車主慘變負資產一族,最後投降斷供。

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