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銀行削按揭優惠縮減現金回贈- 香港經濟日報- 報章- 地產 @ 2024-03-16T08: Back Hot News
Keyword:回贈 按揭 摸貨
Concept:摸貨按揭 , 樓市影響
她解釋,去年起資金成本上揚令銀行持續受壓的情況下,相關銀行由2月起逐步削減按揭現金回贈,銀行決定減回贈而未有上調按息,某程度上可避免對市場帶來較大影響,因供樓負擔及入息要求不受影響;3月份樓市在松綁後回復旺勢,相關銀行選擇在此刻進一步削減回贈降低成本負擔,基於樓市已回穩,加上減回贈不涉及按息調整,對樓市實質影響力不大。由於大型銀行調整具指標性,相信亦將有其他銀行跟隨削減按揭現金回贈減低資金成本壓力。
現時樓價回調,近期新盤及新盤貨尾紛現低價開盤,交投重拾活躍,加上市場已預期美聯儲最快於年中有機會開始減息,本港息口亦料跟隨回調,配合政府撤辣及放寬按揭措施,曹德明表示,即使銀行削減回贈優惠,亦不會影響市民入市意欲。而現時仍有部份中小型銀行為爭取上半年的按揭業務,推出各項優惠吸引特定優質或大碼客戶,建議客戶可貨比三家,選擇較多優惠的銀行承造按揭。

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