經絡：匯豐5月現樓按揭市佔率19.4%，居首位
經絡按揭轉介研究部最新按揭資料顯示，本港銀行5月份現樓按揭市佔率表現，由匯豐以19.4%市佔率，繼09年8月份後再次位居榜首；恆生<00011.HK>上升一級至第2位，佔13.6%；中銀香港<02388.HK>退居至第3位，佔13.4%；渣打穩守第4位，佔7.6%。
經絡資料顯示，本港銀行於5月份一共承做12,655宗現樓按揭，按年大升95.6%，首5個月份累積達60,610宗，按年大升133.2%。今年首5個月按揭宗數大升，主要是受到一二手物業成交暢旺、以及本港低息情況持續帶動，令按揭需求愈趨殷切。惟隨著政府「9招12式」規範樓市措施於本周開始實施，有關效應將逐漸浮現，預計6月份之按揭宗數增長將會輕微放緩。(wr/w)
請問現時去做 HIBOR Plan 仲有冇著數??
回覆刪除這幾曰 hibor 已上到 0.21. 參照 5年圖
http://www.bloomberg.com/apps/cbuilder?ticker1=HIHD01M:IND
是否有机會上超 2%
我正考慮用傳统 plan, 定 hibor plan??
請多多指教
到hibor 升到一定水平, prime rate味一樣升. 用hibor plan 羅到好rate+好的cap+短罰息期緊係好過prime rate la.
回覆刪除做二十mortagage, 你估真係供足二十年呀. 緊係自己儲下錢, 過佐罰息期一舊舊還啦.千期唔好益銀行
當然p-plan 可做到p-4 又另計, 不過我味見。
帥兄，如果我做95%
回覆刪除有以下2個plan，你會選擇什麼呢 ?
hibor plan(1):
H + 0.7 (Cap: p-2.7% = 2.3% now)
rebate 0.7%
2 year penalty
hibor plan(2):
H + 0.7 (Cap: P-3% = 2.25% now)
rebate 0.7%
3 year penalty
P plan:
P - 3% = 2% now
rebate 1%
2 year penalty
P.S
I will drawdown the loan @ end-Jul and as you know, HIBOR has rasied from 0.08 in End-Apr to 0.45 today.
睇你draw幾多錢..
回覆刪除個0.3%rebate 的相差夠唔夠補返個~1%(p plan vs h-plan)相差
2 year /3 year penalty 係指full payment penalty,
問埋partial payment 有冇penalty la..
不過相錯一年冇乜所謂啦..
if choose between plan 1 同 plan 2
i take plan 2.
其實搵銀行做 h-plan,
回覆刪除如BANK A
H+0.7%
CAP P-2.85%=2.4%
CASH REBATE: 0.7%
1 Year penalty
Bank B
H + 0.65%
CAP P-2.85%=2.4%
CASH REBATE: 0.7%
1 Year penalty
係o米應該揀bank b?
有無其他o野要留意?
thx
Hello,
回覆刪除我想問吓大家對以下的H Plan的意見, 那一個最抵呢?
Bank A:
H+0.7% (cap P-2.95%=2.3%)
rebate: 0.7%
full payment penalty: 1st yr - 1% of original loan amount; 2nd yr - refund cash rebate
partial payment: no penalty
Bank B: (need to have HK$500K deposit)
H+0.7% (cap P-2.9%=2.35%)
rebate: 0.9%
full payment penalty: 1st yr - 2% of original loan amount; 2nd & 3rd yr - 0.9%
partial payment: no penalty
OR
H+0.65% (cap P-2.95%=2.35%)
rebate: 0.8%
full payment penalty: 1st yr - 1.8% of original loan amount; 2nd yr - 0.8%; 3rd yr - 0.4%
partial payment: no penalty
Bank C:
H+0.7% (cap P-2.7%=2.3%)
rebate: 0.8% + 1 yr home insurance
full payment penalty: 1st yr - 1% of original loan amount; 2nd yr - refund cash rebate
partial payment: 1st yr - 1% of payment amount
OR
H+0.7% (cap P-2.7%=2.3%)
rebate: 0.8% + 1 yr home insurance
full payment penalty: 1st yr - 1% of original loan amount; 2nd yr - refund 0.6% cash rebate
partial payment: 1st yr - 1% of payment amount
Bank D:
H+0.7% (cap P-3=2.25%)
rebate: 0.8%
full payment penalty: 1st yr - 1% of original loan amount; 2nd & 3rd yr - refund cash rebate
partial payment: 1st 3 yrs - 0.8% of payment amount
多謝大家的意見!!
我覺得bank d 好d, 請問bank d 係邊間?
回覆刪除bank d=?
回覆刪除Bank D = BEA - no more this plan because of full quota.
回覆刪除It may have new plan coming soon.