传大型银行放宽非固定收入人士按揭入息审查 经络料其他银行或跟随
市传有大型银行放宽非固定收入人士之入息审查,当中以花红计算薪酬及自雇人士的入息,均不需再以八折计算;非固定入息则维持6个月平均数。
经络按揭首席副总裁曹德明表示,去年疫情打击本港经济,银行风险胃纳转变,以及按揭业务资金成本高企的情况下,加强风险管理,并於按揭批核上的准则转趋审慎。
他认为而近期楼市气氛转趋畅旺,疫情亦逐渐缓和,加上疫苗陆续安排接种,限聚令进一步放宽,料最坏情况已经过去。相信银行预期风险可控,并对後市保持正面态度,因此开始逐步放宽按揭批核的准则。他续指龙头银行放宽按揭措施具指标性,料其他银行或将跟随,对楼市有支持的作用。(el/a) ~
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