Date: 2023.07.12
【放寬按揭成數 暫未掀換樓潮】
自上周金管局上調3600萬元以下物業按揭成數,而按證公司同日亦提高按揭保險範圍,致令3000萬元以下物業按揭最高7成。但措施公布後首個周末,樓市並無預期中的反彈。業內人士表示,本周末一手樓成交不足20伙,十大屋苑二手成交更不足10伙。樓市即時反應明顯不如2019年10月及2022年2月兩次放寬按保。
是次放寬按揭成數上限,連帶買家申請9成按保時,保費亦較過去減少。但換樓客面對的最大困難,並非按揭成數或保費多寡,而是買新居前如未能先賣走舊居,會因壓測問題而難以批出新居按揭。加上之前兩次放寬按保,已將換樓購買力經釋放得七七八八,今次放寬是否能再掀換樓潮,不甚樂觀。
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