You are browsing the Hong Kong website, Regulated by Hong Kong SFC (CE number: BJA907). Investment is risky and you must be cautious when entering the market.
經絡美聯儲需至少減息一厘或以上香港才會跟隨
阿思達克 07-24 16:51

經絡按揭轉介高級副總裁曹德明於記者會指,相信美國聯儲局下半年只減息一次,並會密切留意經濟最新數據,及看市場反應再決定下一輪部署,年內減息兩次機會微。

他表示,過去香港自2015年美國加息周期,加息合共九次時,才加息一次,按邏輯上,是次減息(周期)亦至少需減息一厘或以上,才會跟隨調整最優惠利率(P),或需歷時三年的時間。

曹氏又稱,自有大型銀行將轉按的優惠減少,包括將現金回贈由2.1%降低至1.5%,及將實際封頂按息增加10點子至2.475厘,批核過程亦變得比以往嚴謹,因應兩年前選用按揭的業主,大多封頂息率為P-3.1%,轉按後封頂息率為P-2.9%,即已變相加息20點子,令轉按誘因下降。故預期全年轉按宗數跌5%至10%。

他續說,部分中小型銀行暫未跟隨調整優惠,相信不少業主會趕乘轉按低息「尾班車」,或會令四大銀行一直以來超過七成的按揭市佔率呈下跌趨勢,如情況持續,中小型銀行的市佔率或有望重返三成以上水平。

Follow us
Find us on Facebook, Twitter , Instagram, and YouTube or frequent updates on all things investing.Have a financial topic you would like to discuss? Head over to the uSMART Community to share your thoughts and insights about the market! Click the picture below to download and explore uSMART app!
Disclaimers
uSmart Securities Limited (“uSmart”) is based on its internal research and public third party information in preparation of this article. Although uSmart uses its best endeavours to ensure the content of this article is accurate, uSmart does not guarantee the accuracy, timeliness or completeness of the information of this article and is not responsible for any views/opinions/comments in this article. Opinions, forecasts and estimations reflect uSmart’s assessment as of the date of this article and are subject to change. uSmart has no obligation to notify you or anyone of any such changes. You must make independent analysis and judgment on any matters involved in this article. uSmart and any directors, officers, employees or agents of uSmart will not be liable for any loss or damage suffered by any person in reliance on any representation or omission in the content of this article. The content of this article is for reference only. It does not constitute an offer, solicitation, recommendation, opinion or guarantee of any securities, financial products or instruments.The content of the article is for reference only and does not constitute any offer, solicitation, recommendation, opinion or guarantee of any securities, virtual assets, financial products or instruments. Regulatory authorities may restrict the trading of virtual asset-related ETFs to only investors who meet specified requirements.
Investment involves risks and the value and income from securities may rise or fall. Past performance is not indicative of future performance.
uSMART
Wealth Growth Made Easy
Open Account