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恆生銀行(香港)的最新消息是,該行正在改變其抵押貸款再融資政策。過去,貸方允許分兩年攤銷,然後再還款一年。目前,新政策將規定一年的還款期和從今年7月開始的兩年期。但是,這僅適用於“新”財產貸款。

據報導,作出這一決定是由於借款人在短期內購買“新”財產的抵押貸款時遇到了困難。此外,鑑於預計香港的經濟在未來幾年將持續增長,因此該貸方還希望鼓勵借款人將來獲得住房貸款。已決定再融資的借款人暫時應繼續這樣做,因為這些變更將於7月1日生效。

然而,恆生銀行的變動並不影響現有貸款。貸方稱,此類貸款在2021財年末之前仍然有效。根據香港經紀人的說法,建議打算在該時間段內出售其房屋的房主應申請攤銷貸款,而不要使用再融資抵押貸款。對於希望長期保留財產的個人,前者更為可取。



銀行提供的有競爭力的利率通常會導致批准抵押貸款申請再融資。當前的經濟低迷導致香港的貸款申請人數急劇增加。此類申請通常要求借款人具有良好的信用等級。 按揭比較 。但是,自2021年全球經濟衰退開始以來,人們的再融資數量一直在穩定增長。

在香港申請抵押貸款再融資的大多數人都選擇了現金套現選項。這主要是因為他們計劃在未來幾個月內出售其財產。那些以固定還款期(通常為30年)獲得抵押貸款的人可以通過在公開市場上出售該物業而立即獲得現金兌現。 28Mortgage ,尤其如此。那些打算在不久的將來搬家的人也可以選擇此選項。

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