工銀亞洲集友逆市減封頂息搶按揭
渣打日前於11月美國加息後率先上調新做H按鎖息上限至3.375厘後,有中小型銀行逆市減封頂息,市傳兩家銀行包括工銀亞洲、集友銀行近日俱調減新造按息0.25厘至2.875厘。
經絡按揭轉介首席副總裁曹德明表示,本港樓市交投偏淡,預料部分中小型銀行基於按揭業務仍未達標,因而下調H按鎖息上限以及增加現金回贈以搶攻市場份額,料銀行下調H按鎖息只屬短暫舉動,隨資金成本壓力增加,不排除於按揭業務達標後會再次上調H按鎖息上限。
中原按揭董事總經理王美鳳表示,今年下半年銀行之間因應息率趨升,先後上調H按封頂息率及新造按息,當中調整按息的幅度及步伐並非一致,導致市場上按息差距擴大,介乎2.875%至3.375%,差幅達0.25厘至0.5厘,按揭客戶有較大機會流向息率較低的銀行。
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