In response to housing policy, the Bank adjusts its strategy

The new housing policy will help the public to board the car. The mortgage company will relax the threshold for the sale of home mortgages. The bank will also adjust the mortgage strategy and meet the housing policy to provide low interest rates and rebates on the low-priced buildings, which will help promote the market atmosphere. .

The public has an urgent need for housing and housing. The Government has earlier announced the adjustment of the proportion of public and private housing in the “Long-Term Housing Strategy”. It has been changed from 6 to 4 to 7 to 3 to allocate more land resources to develop public housing.

According to the certificate, the mortgage threshold for subsidized housing

The eligibility for the relaxation of mortgage thresholds for subsidised housing, including the URA’s first car-entry project, can provide a guaranteed coverage of 90% and a maximum income contribution ratio of 50%. More than 80% of the insurance coverage is 45% lower. In addition, the HS has no government-sponsored subsidy projects. The average bank can only build up to 60% of the mortgages. It can now be considered to increase to 90%.

The pace of interest rate hikes in the United States has shown signs of slowing down. At present, the level of bank balances in Hong Kong is sufficient. Most banks have not significantly tightened their lending, and the property market in Hong Kong is dominated by users. The banks are in a position to cooperate with the government’s housing policy, appropriately adjust the strategy, and provide preferential schemes for boarding properties.

On the other hand, in the past, banks have relatively more mortgage restrictions on subsidized housing without land premiums. In view of the partial relaxation of certain thresholds, it is believed that more banks will increase mortgage resources for subsidized housing in the future. The cash rebate for the premium home mortgage was raised to 2.05%, which is in line with the private building.

In fact, both home ownership and mortgage have always been closely related. Under the guidance of the policy and the bank’s multi-faceted housing policy, it is expected to help improve the market’s home ownership atmosphere.