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傳大型銀行拒接恆大樓花按揭申請 中原按揭料屬個別事件
阿思達克 07-21 15:55
巿傳有大型銀行拒絕接納恆大(03333.HK)樓盤的樓花按揭申請,中原按揭董事總經理王美鳳表示,今次有銀行暫停接受恆大樓盤的樓花按揭申請,相信與發展商近月的負面消息及最近指其內地項目未獲批預售許可等消息所影響,基於評估所涉及風險增加,在風險管理考慮上作出有關決定,相信只屬個別事件。事實上,由於樓花屬於未落成樓宇項目,在銀行角度,承造樓花按揭屬於未有現樓作為抵押品的貸款,風險相對承造現樓按揭為高,故此銀行一向在確定接納新盤的樓花按揭前,會先進行風險評估,內部亦會設定其認可發展商。

王美鳳續指,大型銀行向來對其他銀行有參考指標作用,不排除其他銀行會跟隨做法,但目前仍有銀行表示未暫停接受該樓盤的樓花按揭申請。由於恆大旗下有關樓盤距離收樓期不遠,有相當部分客戶已完成即供按揭上會,而建期客戶亦會於現樓階段才正式上會,是次情況主要影響近月以即供付款方法購入單位又或準備在樓花期上會的買家,建議受影響客戶盡快向其他銀行申請按揭,又或考慮將即供轉為建築期付款方式,待物業落成現樓時上會。

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