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《本地樓市》中原按揭:個別中小型銀行上調H按封頂息紓緩加息壓力 料大型銀行未會即時跟隨
市傳有個別中小型銀行上調新造H按封頂息率0.05%至0.225%,中原按揭董事總經理王美鳳指出,1個月拆息現爲0.88%(6月29日),較今年初徘徊0.15%上升0.73釐,港元拆息屬於銀行之間拆借成本,尤其可反映中小型銀行資金成本上升,資金成本壓力大於存款基礎較大之大型銀行;是次個別中小型銀行上調H按封頂息率0.05%至0.225%,相信是個別銀行因應按揭業務情況紓緩息差受壓之影響,中小型銀行一般會等大行加P纔會跟隨,是次先上調H按封頂息率紓緩拆息將進一步上升之加息壓力。 王美鳳指,現時1個月拆息雖已逐步上升,但暫時1個月拆息處於0.9%水平應對大型銀行未出現上調H按封頂息率之壓力,相信現時銀行樓按取態積極下未急於跟隨上調封頂息率,故是次個別中小型銀行上調H按封頂息率對市場用家未構成影響。 王美鳳表示,今次市傳銀行調整按息對新造按揭人士影響輕微,以貸款額100萬元及還款期30年計,H按封頂息加至2.55%後,若將來H按息升至封頂位,對比現時一般封頂息率2.5%,每月還款額增26元或0.7%至3,977元。以市傳最大加幅至2.725%計,每月還款金額加118元或3%至4,069元。
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