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《港樓》中原按揭王美鳳:匯豐全新低息定按預先享減息優勢 料較受歡迎
阿思達克 08-25 12:41
匯豐銀行今日(25日)推出全新定息按揭計劃,首三年定息或首五年定息2.73%;其後按息為P減1.75%(P現為5.25%)。 中原按揭董事總經理王美鳳表示,大型銀行再次推出全新定息按揭及進一步優化息率及優惠,有關計劃之首三年或首五年之定息率為2.73%,低於現時H按息3.5%(基於拆息回升,近日H按息已回升至封頂息水平),幅度達0.77%,月供減少近一成;而年內減息在即,但預期P減幅僅尚餘0.25厘便完成減P周期,H按息屆時將解至3.25%,仍高於是次推出之定息率2.73%,故此是次新推出的定息率低於現時市場H按封頂息3.5%以及預期年內降至之3.25%水平,加上定按客戶亦照可享有現金回贈優惠,並跟隨市場H按提供短至兩年較具彈性之罰息期,而定息期後之按息與現有市場按息水平一致(P減1.75%;P:5.25%),預料是次新定按計劃可較受歡迎。 王氏指出,預期今年當港P完成減息周期後,接下來本港按息會否進一步回落將視乎拆息回落幅度;按照屆時實際按息3.25%及現時H按封頂息率水平,1個月拆息需跌至低於1.95%,按息方可跌穿封頂息率而再進一步下降,而以是次最新定按計劃(定息2.73%)及市場H按(H+1.3%)對比,若1個月拆息並未跌至低於1.43%水平,是次定息率2.73%仍會低於市場一般H按息水平。今天計1個月拆息2.73%,除非資金流向再次出現較大變化,例如5月份期間資金曾大量流入推高銀行體系,否則港美息差一般不會太闊,故此H按在一段時間仍需以P為基準之封頂息率計算。 王美鳳續指,是次銀行推出鎖定三年或五年2.73%定息按揭,有利借款人在現階段及往後三至五年便鎖定低於現時市場按息之低息按揭,按息即時較現時降低0.77厘,除了可預先享有減息效果、降低每月供款額,減輕供款負擔之外,更可讓借款人在定息期內維持供款額不變之穩定性,有利制定預算及進行精確財務規劃。
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