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《本地樓市》餘偉文:不時檢討樓市措施 按保不良貸款率僅0.02%風險可控
對於有報道指金管局正審視樓按壓力測試,包括是否維持加2釐。金管局總裁餘偉文指,針對樓市宏觀審慎措施或監管措施,當局不時檢討市場變化情況,因應情況可能作出適當調整,考慮因素包括樓價、交投量、失業率、宏觀環境等。例如當局於2022年9月曾將壓力測試利率要求由3釐下調至2釐,去年中亦有調整住宅及商業樓宇相關宏觀審慎措施。 去年第四季住宅負資產個案達2.5萬宗,創逾十九年新高,餘偉文表示,當中近90%屬於按揭保險計劃下承造九成按揭的用家,好少部分爲銀行職員。銀行監管而言最重要是信貸質素是否良好,而按保至今不良貸款率僅0.02%,低於整體按揭不良貸款率0.08%,認爲風險可控。至於今年首季負資產宗數會否進一步上升,他指要視乎樓市走勢,目前難作出預測。 另外,被問到金管局就外匯基金有份投資歐洲地產發展商Signa爆雷事件中所涉及金額,他指,金管局投資屬於商業敏感資料,不會詳細評論。
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