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大型銀行傳削減按保及樓花按揭回贈經絡料其他銀行將陸續跟隨 @ 2024-05-13T Back Hot News
Keyword:銀行 按揭
Concept:按揭回贈按揭
王美鳳對於銀行續削減按揭回贈指出,「拆息高於按息」這情況已由去年5月起持續至今一年,反映銀行資金成本持續受壓,這情況下銀行先後於今年2月中起至今逐步削減按揭現金回贈,以減輕資金成本壓力;加上美國聯儲局已預期需要維持現時息率水平多一點時間,意味減息時間延後,而本港拆息亦將會於年內較長時間維持現有水平;銀行進一步削減按揭現金回贈,相信是考慮到資金成本在年內較長時間持續偏高,遂削減按揭回贈降低成本;調整至今大型銀行按揭已邁向零回贈水平。
傳大銀行取消樓花按揭回贈 一眾按揭中介咁樣解釋!
中原按揭董事總經理王美鳳建議,目前銀行之間提供的按揭回贈金額有較大差別,主流已邁向零回贈,僅部分中小型銀行仍提供相對多一點的按揭回贈,這些中小型銀行現時審批「塞車」情況更嚴重,部分個案審批時間仍在延長,物業買家不宜著眼點放在按揭回贈而只向「塞車」嚴重的銀行申請按揭,留意預留時間完成上會程序及物業交易避免違約風險。
大型銀行削減按保及樓花按揭回贈

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