匯豐再削樓按現金回贈低至1%涵蓋一二手及轉按市場另上調封頂利率
綜合本地傳媒引述消息稱,匯豐銀行兩個月內第二度削減按揭現金回贈,無論是一手、二手或轉按,1,000萬元以下物業,現金回贈一律大幅削減至1%,而1,000萬元以上物業則下調至1.5%。
匯豐今年6月曾向轉按市場開刀,現金回贈由約2%,降至1.5%,一手及二手則維持不變。有傳媒指,匯豐是次出招,涵蓋所有類型按揭,無論一手及二手,現金回贈由2%削至1%,幅度100點子。
此外,近日匯豐新批按揭亦上調封頂利率,由以前最優惠利率(P)減2.75%,增加至P減2.65%,加幅0.1厘,意味實際利率為2.475%,適用於一手及二手物業按揭申請,與該行轉按利率看齊。
匯豐發言人表示,作為主要的市場參與者,致力確保本港的按揭市場能夠健康發展,因此,該行會因應市場情況定期檢視按揭息率,有需要時作適當調整。近日,經過參考多項因素,包括香港銀行同業拆息、競爭力及市場價格,決定調整按揭息率。
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