風險三：金管局收緊按揭

Squarefoot Editor 2015-01-25 550

過往面對種種經濟逆境，金管局均會出手穩市。如今面對樓價日益飛漲，當局最近在本月中祭出「雙招」，要求銀行調高借款人物業租金收入的扣減率，其中有租金證明的扣減率由原來20%上調至30%，無租金證明扣減率由原來的20%上調至40%，變相「加辣」阻止收租客入市。同時，當局又要求銀行對企業按揭借款人做好盡職審查，了解其有無實際營運。

出手穩市變相加辣

金管局總裁陳德霖早前指出，留意到去年樓價顯著上升，特別是中小型單位樓價及新界區升幅顯著，但交投量仍較2011年時的高峰期低。他稱，這反映現時樓價上升的因素頗複雜，加上市場預期美國將於年中加息，對全球資金流及資產價格會有一定影響，故目前需時間觀察樓市是否進入新一次上升周期。

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