經絡按揭:近日有銀行按揭回贈創逾2年半新高
昨日有不同報道報道,近日陸續有銀行上調按揭現金回贈等優惠吸客,中銀香港(02388.HK)近日將過千萬元按揭貸款回贈增至1.55%,如客戶選用不設存款掛鉤戶口按揭計劃,回贈高達1.65%,屬全港最高。
經絡按揭轉介首席副總裁曹德明表示,據了解部份銀行為了在上半年完結及加息周期前,追趕首季成交減少而受影響的按揭業務,相繼推出各項優惠吸引較優質客戶,例如針對千萬元以上貸款額的物業,現金回贈可高達1.65%,創自2019年11月後即逾2年半新高。
曹德明提醒,部份銀行增加現金回贈優惠,惟要注意部份按揭計劃不連帶高息存款掛鉤戶口,並須在貸款額中扣除現金回贈部份,而此類客人在面對加息周期期間,息口上升時選擇減少利息開支的機會較小,罰息期亦有機會較長。
曹德明指,部份銀行除了以增加現金回贈方式吸客,亦有部份大型銀行推出綠色按揭,而近期大多一手樓花買家選用建期方法付款,相信銀行此時將會較集中於二手市場吸納優質客戶。
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