《本地楼市》中原按揭：个别中小型银行上调H按封顶息纾缓加息压力料大型银行未会即时跟随

AAFN2022-06-29

巿传有个别中小型银行上调新造H按封顶息率0.05%至0.225%，中原按揭董事总经理王美凤指出，1个月拆息现为0.88%(6月29日)，较今年初徘徊0.15%上升0.73厘，港元拆息属於银行之间拆借成本，尤其可反映中小型银行资金成本上升，资金成本压力大於存款基础较大之大型银行；是次个别中小型银行上调H按封顶息率0.05%至0.225%，相信是个别银行因应按揭业务情况纾缓息差受压之影响，中小型银行...

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It is expected that large banks will not follow immediately","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"02888":0.9,"00005":0.6,"00011":0.6,"00023":0.6,"00440":0.6,"02356":0.6,"02388":0.6,"03143":0.6,"STAN.UK":0.6},"content_text":"巿传有个别中小型银行上调新造H按封顶息率0.05%至0.225%，中原按揭董事总经理王美凤指出，1个月拆息现为0.88%(6月29日)，较今年初徘徊0.15%上升0.73厘，港元拆息属於银行之间拆借成本，尤其可反映中小型银行资金成本上升，资金成本压力大於存款基础较大之大型银行；是次个别中小型银行上调H按封顶息率0.05%至0.225%，相信是个别银行因应按揭业务情况纾缓息差受压之影响，中小型银行一般会等大行加P才会跟随，是次先上调H按封顶息率纾缓拆息将进一步上升之加息压力。王美凤指，现时1个月拆息虽已逐步上升，但暂时1个月拆息处於0.9%水平应对大型银行未出现上调H按封顶息率之压力，相信现时银行楼按取态积极下未急於跟随上调封顶息率，故是次个别中小型银行上调H按封顶息率对市场用家未构成影响。王美凤表示，今次市传银行调整按息对新造按揭人士影响轻微，以贷款额100万元及还款期30年计，H按封顶息加至2.55%後，若将来H按息升至封顶位，对比现时一般封顶息率2.5%，每月还款额增26元或0.7%至3,977元。以巿传最大加幅至2.725%计，每月还款金额加118元或3%至4,069元。(ha/da)~阿思达克财经新闻网址: www.aastocks.com","kind":null,"is_publish_news":null,"is_publish_highlight":null,"is_publish_live":null,"is_publish_wemedia":null,"editions":null,"symbols":[],"gpt_button":1},"commentList":[],"isCommentEnd":true,"newsSizeData":{"likeSize":0,"commentSize":0,"repostSize":0,"favoriteSize":0,"likeStatus":false,"favoriteStatus":false},"APP":{"userAgent":"Mozilla/5.0 AppleWebKit/537.36 (KHTML, like Gecko; compatible; ClaudeBot/1.0; +claudebot@anthropic.com)","isDev":false,"isTTM":false,"deviceId":"web-server-community-laohu8-v3","version":"4.22.4","shortVersion":"4.22.4","platform":"web","vendor":"web","appName":"laohu8","isIOS":false,"isAndroid":false,"isTiger":false,"isTHS":false,"isWeiXin":false,"isWeiXinMini":false,"isWeiBo":false,"isQQ":false,"isBaiduSwan":false,"isBaiduBox":false,"isDingTalk":false,"isToutiao":false,"isOnePlus":false,"isHuaWei":false,"isXiaomi":false,"isXiaomiWebView":false,"isOppo":false,"isVivo":false,"isSamsung":false,"isMobile":false},"href":"/m/news/2247641120"}

《本地楼市》中原按揭：个别中小型银行上调H按封顶息纾缓加息压力 料大型银行未会即时跟随

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《本地楼市》中原按揭：个别中小型银行上调H按封顶息纾缓加息压力料大型银行未会即时跟随