住宅按揭贷款边际利润微薄传汇丰(00005)、渣打等大行拟削减现金回赠至零

智通财经04-17

智通财经APP获悉，美联储降息或延迟，息口将持续高企，港银就按揭态度趋向审慎。据市场消息人士透露，汇丰(00005)将按揭现金回赠削减至零，而其他大行包括恒生、渣打及中银香港，现金回赠也基本削减至零；中小型银行暂以0.3%至1%为主。分析预计，市场趋势将走向无现金回赠的时代。消息人士称，汇丰(00005)近日收紧现金回赠，除了按揭保险个案外，其余一般新买卖按揭、转按或加按申请将一律不提供现金回赠，...

网页链接

免责声明：本文观点仅代表作者个人观点，不构成本平台的投资建议，本平台不对文章信息准确性、完整性和及时性做出任何保证，亦不对因使用或信赖文章信息引发的任何损失承担责任。

精彩评论

我们需要你的真知灼见来填补这片空白

发表看法

{"i18n":{"language":"zh_CN"},"isChannel":false,"data":{"share":"https://www.laohu8.com/m/news/2428396185?lang=zh_CN&edition=full","thumbnail":"","is_english":false,"pubTime":"2024-04-17 16:48","share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","id":"2428396185","market":"sh","top_or_hot":-1,"title":"住宅按揭贷款边际利润微薄 传汇丰(00005)、渣打等大行拟削减现金回赠至零","media":"智通财经","content":"<div>\n<p>智通财经APP获悉，美联储降息或延迟，息口将持续高企，港银就按揭态度趋向审慎。据市场消息人士透露，汇丰(00005)将按揭现金回赠削减至零，而其他大行包括恒生、渣打及中银香港，现金回赠也基本削减至零；中小型银行暂以0.3%至1%为主。分析预计，市场趋势将走向无现金回赠的时代。消息人士称，汇丰(00005)近日收紧现金回赠，除了按揭保险个案外，其余一般新买卖按揭、转按或加按申请将一律不提供现金回赠，...</p>\n\n<a href=\"http://www.zhitongcaijing.com/content/detail/1103803.html\">网页链接</a>\n\n</div>\n","source":"stock_zhitongcaijing","html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>住宅按揭贷款边际利润微薄 传汇丰(00005)、渣打等大行拟削减现金回赠至零</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\n住宅按揭贷款边际利润微薄 传汇丰(00005)、渣打等大行拟削减现金回赠至零\n</h2>\n\n<h4 class=\"meta\">\n\n\n2024-04-17 16:48 北京时间&nbsp;&nbsp;&nbsp;<a href=http://www.zhitongcaijing.com/content/detail/1103803.html><strong>智通财经</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>智通财经APP获悉，美联储降息或延迟，息口将持续高企，港银就按揭态度趋向审慎。据市场消息人士透露，汇丰(00005)将按揭现金回赠削减至零，而其他大行包括恒生、渣打及中银香港，现金回赠也基本削减至零；中小型银行暂以0.3%至1%为主。分析预计，市场趋势将走向无现金回赠的时代。消息人士称，汇丰(00005)近日收紧现金回赠，除了按揭保险个案外，其余一般新买卖按揭、转按或加按申请将一律不提供现金回赠，...</p>\n\n<a href=\"http://www.zhitongcaijing.com/content/detail/1103803.html\">网页链接</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","isBrief":false,"type":0,"news_type":1,"symbol":"BK4585","symbol_name":"ETF&股票定投概念","start_time":0,"source_url":"http://www.zhitongcaijing.com/content/detail/1103803.html","article_id":"2428396185","we_media_id":null,"thumbnails":[],"rights":null,"url":"https://stock-news.laohu8.com/highlight/detail?id=2428396185","pubTimestamp":1713343699,"sourceInfo":{"source_id":"stock_zhitongcaijing","name":"智通财经网"},"weMediaInfo":null,"summary":"据市场消息人士透露，汇丰将按揭现金回赠削减至零，而其他大行包括恒生、渣打及中银香港，现金回赠也基本削减至零；中小型银行暂以0.3%至1%为主。消息人士称，汇丰近日收紧现金回赠，除了按揭保险个案外，其余一般新买卖按揭、转按或加按申请将一律不提供现金回赠，相较上月0.5%回赠进一步削减。另外，市场对于今年降息预期进一步延后，资金成本仍然偏高，住宅按揭贷款边际利润微薄，因此影响到银行对于按揭业务态度。","collect":0,"end_time":0,"defaultTopTitle":"zhitongcaijing.com","property":[],"viewcount":null,"language":"zh","relate_stocks":{"BK4585":"ETF&股票定投概念","BK4588":"碎股","BK4521":"英国银行股","LU2236285917.USD":"ALLIANZ GLOBAL INCOME \"AMG\" (USD) INC","HSBC":"汇丰","BK4207":"综合性银行"},"translate_title":"The marginal profit of residential mortgage loans is meager. It is rumored that HSBC (00005), Standard Chartered and other major banks plan to reduce cash rebates to zero","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"HSBC":1},"content_text":"智通财经APP获悉，美联储降息或延迟，息口将持续高企，港银就按揭态度趋向审慎。据市场消息人士透露，汇丰(00005)将按揭现金回赠削减至零，而其他大行包括恒生、渣打及中银香港，现金回赠也基本削减至零；中小型银行暂以0.3%至1%为主。分析预计，市场趋势将走向无现金回赠的时代。消息人士称，汇丰(00005)近日收紧现金回赠，除了按揭保险个案外，其余一般新买卖按揭、转按或加按申请将一律不提供现金回赠，相较上月0.5%回赠进一步削减。若果以500万港元贷款额计算，实际回赠金额由原本2.5万港元削减到零。不过，部分中小型银行态度较为积极，仍提供高达1%或以上回赠。此外，港银亦收紧了按揭审批，当中包括对自雇人士、采用资产审批按揭人士，以及村屋按揭等申请更严格；银行或会要求补交证明文件，或者批出不是市场最理想的按揭息率。庄锦辉认为，香港经济仍然疲弱，导致贷款需求减少，加上企业贷款坏帐率上升，因此银行对商业贷款更为审慎。另外，市场对于今年降息预期进一步延后，资金成本仍然偏高，住宅按揭贷款边际利润微薄，因此影响到银行对于按揭业务态度。不过，即使银行回赠“清零”，对楼市实质影响不大，全面撤辣后潜在买家和投资者入市步伐加快，香港楼市交投谷底反弹，加上置业与否并不取决于银行所提供的回赠幅度。庄锦辉建议，上车或转按人士需要趁其他银行未调整优惠，尽早提交按揭申请表锁定现金回赠。经络按揭转介首席副总裁曹德明表示，基于成本及边际利润，风险管理等因素考量，大型银行回归理性，以服务质素与市场竞争，预计其他银行或因应自身条件而改变其按揭业务策略。","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/2428396185"}

住宅按揭贷款边际利润微薄 传汇丰(00005)、渣打等大行拟削减现金回赠至零

精彩评论

住宅按揭贷款边际利润微薄传汇丰(00005)、渣打等大行拟削减现金回赠至零