走漏風聲 ? 陳德霖逼大家瘋狂加租 !

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http://rthk.hk/rthk/news/expressnews/20 ... 080363.htm

金 管 局 總 裁 陳 德 霖 收 市 後 會 見 傳 媒
2015-02-27 HKT 15:32

金 管 局 總 裁 陳 德 霖 將 於 下 午 4 時 30 分 在 金 管 局 地 下 大 堂 會 見 傳 媒 ， 其 後 ， 副 總 裁 阮 國 恒 將 主 持 傳 媒 簡 報 會 。

http://finance.discuss.com.hk/viewthrea ... 3D1&page=1

[泰雲斯]

[Leven]

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Peter Parker 既文點都要望望

http://property.hk/article_content.php? ... R&id=36385

[韋.信]

吊

應該派錢炒高

[peterso]

比 cash

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陳德霖逼各位包租公瘋狂加租

- 700萬以下自用物業按揭至降六成
- 非自用物業供款入息比率降至五成
- 按保計劃按揭上限最高 8 成 首次置業除外

[黑熊100]

陳德霖逼各位包租公瘋狂加租

- 700萬以下自用物業按揭至降六成
- 非自用物業供款入息比率降至五成
- 按保計劃按揭上限最高 8 成 首次置業除外

入門5球，首期都2球，用按保都要比球幾，點儲呀？

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http://www.hkma.gov.hk/eng/key-informat ... 27-8.shtml

Press Releases
Prudential Measures for Property Mortgage Loans

The Hong Kong Monetary Authority (HKMA) issued today (Friday) 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%.

The above three countercyclical measures take immediate effect. However, mortgage applications for properties with provisional sale and purchase agreements signed today or earlier will not be affected.

[好多傳媒朋友可能唔明銀行的資本充足要求計法, 無著墨報呢一段, 但這個額外要求可能令銀行的 HIBOR + (而家仍有 HIBOR + 1.7%) 供樓息率增加, 新做樓按可能唔止 HIBOR +1.7% 咁少, 可能要 HIBOR + 2% 或以上]

Besides, when the HKMA introduced the sixth round of countercyclical measures in February 2013, it also required at the same time that banks using the Internal Ratings-Based (IRB) Approach for managing their credit risks should introduce a risk-weight floor of 15% for their residential mortgage portfolios. It was decided at the time that to facilitate these banks in adapting to this requirement, the 15% risk-weight floor was only applicable to new residential mortgage loans (RMLs).

The HKMA has recently reviewed the measure, and decided to require banks adopting the IRB Approach to extend, by end-June 2016, the risk-weight floor to 15% across the board for RMLs approved before February 2013 and, by end-June 2015, to 10% for these RMLs. The relevant measures are on-going risk management arrangement.

Mr Norman Chan, the Chief Executive of the HKMA, said, “The property market in Hong Kong became buoyant again in the second half of 2014, with notable increases in prices and transaction volume, particularly the small- and medium-sized residential units. Moreover, the household debt-to-GDP ratio also continued to increase to a historic high level of over 64%. In view of this, the HKMA considers it necessary to introduce new countercyclical measures to safeguard the stability of the banking and financial system.

“The HKMA appreciates that the new measures will inevitably affect some of the users and first-time home buyers. Hence, the HKMA has always strived to achieve a balance between the need to tighten countercyclical measures to protect banking stability and the desire to minimise negative impact on genuine end-users, especially the first-time home buyers when introducing these measures. However, it is the duty of the HKMA to introduce further measures to safeguard the stability of the banking and financial system given the renewed signs of overheating in the property market, particularly the small-sized residential units.”

“The HKMA reminds prospective buyers to take into account the relevant risks, particularly the impact of a potential property market or economic downturn or interest rates rise on their repayment ability and avoid overstretching themselves.”



Hong Kong Monetary Authority
27 February 2015

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http://www.info.gov.hk/gia/general/2015 ... 270737.htm

Revisions of the Mortgage Insurance Programme
*********************************************

The following is issued on behalf of the Hong Kong Monetary Authority:

The Hong Kong Mortgage Corporation Limited (HKMC) announces today (February 27) that 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% loan-to-value (LTV) ratio to 80% LTV ratio, except for those first time homebuyers with regular salary and stronger repayment ability.

Currently, the HKMC provides MIP coverage for mortgage loans starting from 60% and 70% LTV ratio with a cap on the value of properties at HK$6 million. Properties with value at or below HK$4 million are eligible for the maximum MIP cover of 90% LTV. Properties with value above HK$4 million and below HK$4.5 million are eligible for MIP cover up to HK$3.6 million, being 80-90% LTV, while properties with value at or above HK$4.5 million are only eligible for the maximum MIP cover of 80% LTV. In view of the prudential supervisory measures for mortgage loans announced by the Hong Kong Monetary Authority today, the HKMC will suspend the applications of mortgage loans starting from 70% LTV, i.e. MIP coverage for eligible properties will start from 60% LTV.

The HKMC will also suspend applications of mortgage loans exceeding 80% LTV ratio for prudent risk management in view of the current market conditions. 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.

The above revisions take effect immediately. However, for homebuyers who have executed the provisional sale and purchase agreement on or before February 27, 2015, their mortgage loan applications may be submitted by the MIP participating banks for processing in accordance with the existing scope and criteria of the MIP.

Ends/Friday, February 27, 2015
Issued at HKT 17:11

[力奇]

做佢呢個pos真係易, 邊種樓壓唔住爆升就降按揭成數, 下之再爆升就將六成降到五成, 有朝一日全部樓唔比做按揭都爆升時睇佢仲有邊幾招

[力奇]

曾司長2009年開始已經話樓市有泡沫, 叫人買樓要量力而為, 2009年聽佢講果班唔買樓人士今時今日使唔使去IFC jump?

曾俊華：樓市泡沫風險仍不容忽視
2014年6月9日

香港財爺曾俊華：住宅樓市泡沫風險近期上升
2013年4月8日

曾俊華：香港樓市泡沫風險仍在
2012年7月11日

曾俊華預警樓市泡沫未散
2011年10月28日

曾俊華重申，政府決不會對樓市泡沫風險坐視不理
2010年11月29日

曾俊華表示，現時借貸成本低，資金流入資產市場，市場亦擔心樓市出現泡沫
2009年11月18日

可能就係呢班買唔到樓人士變晒做黃屍帶佔中