27-02-2015
樓市加辣
金管局公布新一輪樓市風險措施
NEW PROPERTY COOLING MEASURE 

香港金融管理局於2015年2月27日就物業按揭貸款業務向銀行發出指引,推出新一輪物業按揭的監管措施,以提升銀行風險管理和抗震能力。這些措施包括﹕

第一:        價值700萬港元以下自用住宅物業的最高按揭成數下調最多一成。例如現時最高可按七成而價值不高於600萬港元的物業,最高按揭成數劃一下調到六成。

第二:        第二套自用住宅物業的《供款與入息比率》上限,由現時最高五成調低至四成;在利率壓力測試下的上限由現時最高六成調低至五成。

第三:        各類非自用物業按揭貸款,包括住宅物業、工商物業及車位按揭貸款的《供款與入息比率》上限,由現時最高五成調低至四成;在利率壓力測試下的上限由現時最高六成調低至五成。

按揭保險計劃的修訂
修訂後,合資格住宅物業可敘造的最高按揭成數將由9成下調至8成,然而,有固定收入及供款與入息比率不超過 45%的首次置業人士,仍可申請敘造最高9成按揭貸款。 
 

 

The Hong Kong Monetary Authority (HKMA) issued on 27 Feb., 2015 guidelines to banks on a new round of supervisory measures on property mortgage to strengthen banks’ risk management and resilience. The measures are as follows:

First:             The maximum loan-to-value (LTV) ratio for self-use residential properties with value below HK$7 million will be lowered by a maximum of 10 percentage points.  For example, the maximum LTV ratio applicable to properties with value at HK$6 million or below and subject to the LTV cap of 70% will be lowered to 60%.

Second:         The maximum debt-servicing ratio (DSR) for borrowers who buy a second residential property for self-use will be lowered to 40% from 50%, and the stressed-DSR cap will be lowered to 50% from 60%.

Third:            The maximum DSR of mortgage loans for all non-self use properties, including residential properties, commercial and industrial properties and car park spaces, will be lowered to 40% from 50%, and the stressed-DSR cap will be lowered to 50% from 60%.

Revisions of the Mortgage Insurance Programme
The following revisions will be made to the Mortgage Insurance Programme (MIP) so that the maximum MIP cover for eligible properties would be reduced from 90% LTV ratio to 80% LTV ratio, except for those first time homebuyers with regular salary and stronger repayment ability.However, regular salaried first time homebuyers with a maximum debt-to-income ratio of 45% may still be eligible for the maximum MIP cover of 90% LTV.



資料來源 : 香港金融管理局 新聞稿  27/2/2015
Source : Press Releases of HKMA on 27/2/2015