【置業人士適用】定息按揭試驗計劃接受申請 (Fixed-rate Mortgage Pilot Scheme to receive applications) ...... !

​香港按揭證券有限公司（按揭證券公司）今日（五月五日）宣布，定息按揭試驗計劃將於今年五月七日（星期四）起接受申請。因應市場利率的變化，試驗計劃的年利率將較原先在2020-21年《財政預算案》（預算案）中公布的水平有所下調。10年、15年及20年定息按揭試驗計劃的年利率如下﹕
 年利率
10年2.55%
15年2.65%
20年2.75%
 
　　財政司司長陳茂波表示﹕「我在預算案中提出定息按揭試驗計劃，目的是為有意置業人士提供更多貸款選擇，減低他們面對利率波動的風險，亦有助按揭市場的長期穩定發展 。」
 
　　試驗計劃將通過銀行提供，接受申請的銀行包括：中國銀行（香港）有限公司、創興銀行有限公司、大新銀行有限公司、中國工商銀行（亞洲）有限公司、上海商業銀行有限公司、渣打銀行（香港）有限公司，以及東亞銀行有限公司。另外，有多家銀行表示有興趣加入。
 
　　定息按揭試驗計劃的總貸款額為10億港元，每宗私人住宅貸款上限為1,000萬港元。定息期完結後，借款人可繼續選擇採用定息按揭或轉為浮息（註）續期。考慮到借款人在定息期內不受利率波動影響，而定息期長達10年或以上，按揭證券公司已徵得香港金融管理局同意，借款人無須符合加息壓力測試，但現行的供款與入息比率要求仍然適用。
 
　　試驗計劃的申請期約六個月，至今年十月三十一日止。

註：浮息為最優惠利率減2.35厘。
 
完
2020年5月5日（星期二）
香港時間18時05分

​The Hong Kong Mortgage Corporation Limited (HKMC) announces today (May 5) that, the pilot scheme for fixed-rate mortgages will start receiving applications from May 7 (Thursday). In response to the change in market interest rates, mortgage interest rates under the pilot scheme are lowered, as compared to the levels previously announced in the 2020-21 Budget (Budget). The interest rates per annum for 10, 15 and 20 years of the Fixed-rate Mortgage Pilot Scheme are as follows:
 Interest rate (p.a.)
10-year2.55%
15-year2.65%
20-year2.75%
 
     The Financial Secretary, Mr Paul Chan, said, "The objective of the Fixed-rate Mortgage Pilot Scheme announced in the Budget is to provide an alternative financing option to homebuyers for mitigating their risks arising from interest rate volatility, thereby promoting the development of the mortgage market in the long run."
 
     Mortgages under the pilot scheme will be offered through banks, and the following banks will receive applications: Bank of China (Hong Kong) Limited, Chong Hing Bank Limited, Dah Sing Bank, Limited, Industrial and Commercial Bank of China (Asia) Limited, Shanghai Commercial Bank Limited, Standard Chartered Bank (Hong Kong) Limited and The Bank of East Asia, Limited. Some other banks have also indicated their interest in joining.   
 
     The aggregate loan amount of the Fixed-rate Mortgage Pilot Scheme is HK$1 billion, subject to a maximum loan amount of each private residential mortgage of HK$10 million. At the end of the fixed-rate period, the borrowers may either re-fix the mortgage rate under fixed-rate mortgages or convert the mortgage to a floating rate loan (Note). As the borrowers will be insulated from interest rate movement under the fixed-rate period which is 10 years or longer, the HKMC has obtained agreement from the Hong Kong Monetary Authority that they will not be required to meet the stress testing against interest rate rise, but the current debt-to-income ratio will still be applicable. 
 
     The pilot scheme will be effective for around six months, until October 31, 2020.

Note: The floating rate is Prime Rate minus 2.35 per cent. 
 
Ends/Tuesday, May 5, 2020
Issued at HKT 18:05

https://www.info.gov.hk/gia/general/202005/05/P2020050500605.htm