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《港樓》經絡:5月份MMI報2.8釐 按月跌74點子 創逾兩年半新低
阿思達克 06-18 15:21
據經絡按揭轉介研究部最新數據顯示,今年5月份的經絡按揭息率指數(MMI),即反映普遍按揭新客戶一般可做到的實際按息水平,最新報2.8釐,按月急跌74點子,創逾兩年半(31個月)新低。 經絡按揭轉介首席副總裁曹德明表示,5月份超過九成半經絡按揭新客戶選用H按計劃,而金管局於5月份四度入市,使本港銀行體系總結餘升至1,740億港元水平,熱錢涌入使HIBOR急速下跌。5月份平均一個月HIBOR報1.47釐,相比起4月份的3.65釐急跌2.18釐,使MMI跟隨大幅回落。現時按息回落,可減輕置業人士供樓負擔,對樓市有正面支持作用。 另外,今日(18日)一個月HIBOR報0.54釐,以普遍H按計劃「H+1.3釐」計算,今日H按實際按息報1.84釐,較封頂息率3.5釐大幅減少1.66釐。假設500萬貸款額,年期30年,如以今日H按按息1.84釐計算,每月供款爲$18,083,比起以封頂息率3.5釐計算,每月供款爲$22,452,每月供款可減少$4,369或19.5%。 曹表示,近期新股市場氣氛熾熱,熱錢持續涌入本港,若果市場對港元需求持續,銀行體系總結餘維持在千億港元以上,HIBOR短期內亦有機會下試0.5釐或以下水平,料MMI將挑戰2釐或以下水平。 另一方面,最新5月份美國最新消費者物價指數(CPI)報2.4%,稍高於上月的2.3%,失業率則持平報4.2%,因關稅對通脹的影響仍有待觀察,曹認爲美聯儲即將公佈的議息結果將繼續按兵不動,相信美聯儲視乎未來數月通脹走勢,如情況可控,料下半年仍有一次減息機會。
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