Date: 2024.02.09
【壓力測試或放鬆 提振買家信心】
市場盛傳金管局將會調低壓測,在「加2厘」的基礎上進一步調低。地產業內人士指出,因應市場現況,調整壓測利率屬於合理做法,相信對樓市起正面推動作用。他表示,壓測的目的是確保按揭借款人有足夠財務能力,應付按息上升引致的還款壓力,考慮到本港銀行的拆息處於較高水平已一段時間,而市場亦預期美國今年會啟動減息周期,認為假設利率再進一步上升的幅度不大,有條件於將壓測利率進一步調低。
不過,現時首置人士只要不超過供款和入息比例上額,便毋須進行壓力測試,因此調低壓測對於「上車一族」的影響不大,反而對於有按揭在身的已置業人士而言,如果壓測調低至加1厘,基本上只要能通過目前「供款與入息比率」,即能輕易通過壓測。他相信任何「減辣」措施都有助提振買家信心,認為新一份財政預算案政府的樓市措拖,將與過去一年政府以往的房屋政策一致,目的是為繼續協助本地置業人士拆牆鬆綁,增加置業的信心。
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