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王冬勝﹕樓價升幅與收入呈脫節

Posted on: July 8, 2010


(明報)2010年7月8日 星期四 05:05

【明報專訊】政府推出「九招十二式」兩個多月,僅為熾熱樓市帶來短暫降溫,近日各區二手樓價全線回升,根據中原領先城市指數,樓價由去年首季至上月底共錄得33%升幅,遠超過同期港人的收入增長;本港按揭市場龍頭匯豐銀行    ,其亞太區行政總裁王冬勝承認,香港樓價上漲速度與港人收入增幅,正出現「小量脫節」。

王冬勝昨日出席記者會被問及樓市前景時,承認近日樓價有加快上升迹象,其上漲速度與港人入息升幅也正出現「小量脫節」。因此,銀行依照一貫做法,在審批按揭時進行嚴謹的風險管理,「銀行亦不時檢討,若利率上升,對供樓負擔有什麼影響」。但王冬勝強調,目前按揭業務,無論貸款拖欠比率抑或壞帳,尚處於偏低水平。根據金管局    統計數字,5月份本港樓宇按揭貸款拖欠比率為0.03%,屬相當低水平。

王冬勝﹕未收緊按揭審批

不過,王冬勝強調,匯豐並未收緊審批按揭的尺度,「我們一直都監控嚴謹」,例如供樓負擔不可超出借款人入息的50%,「經過91至97年(樓市泡沫),我們已累積很多經驗」,故這基本守則是不會改變的。

根據東亞銀行    經濟研究部前日發表的報告,本港樓價相對家庭入息中位數已飈升至8.7倍,逼近97年樓市高峰期的逾9.3倍。但與此同時,受金融海嘯拖累,09年家庭收入卻按年萎縮3.6%,顯示樓價和家庭收入的走勢出現背馳,令港人供樓愈來愈吃力;這種背馳走勢與97年樓市泡沫爆破前相若(見圖)。

學者﹕供樓支出水平仍合理

工銀亞洲董事兼副總經理黃遠輝表示,過去一年,港人入息增幅跟不上樓價升幅,入息最多只有單位數字增長。浸會大學    財務及決策學系副教授麥萃才則說,樓價持續上升,令年輕置業者「上車」愈趨困難,供樓負擔能力減低,亦對社會氣氛造成負面影響。

不過,麥萃才指出,目前港人平均供樓支出佔家庭入息約四成,仍屬合理水平。而且樓價上升不影響舊業主的供樓支出,因為他們較早前已在樓價較低時入市,樓價上升只影響新買家。除非按揭利率上升,新舊買家供款才會一併驟增。即使此情况出現,對業主的可支配收入影響有限,反而,樓價上升對舊買家帶來財富效應。

中信銀行    國際執行總經理兼零售銀行業務總監王美珍也認為,目前未見到樓市出現任何警號,銀行仍照常按樓宇估值和個人收入,審批按揭。

然而,東亞日前的報告預測,若按揭利率上升3厘,供樓負擔比率便會升至逾53%,超過50%的警戒線水平,屬於一個相當高且港人難以負擔的水平。

李永達    促增土地 復建居屋

民主黨    立法會    議員李永達表示,市民現時供樓負擔已是甚高,稍後有可能去到危險程度,他會繼續在立法會要求政府增加土地供應,恢復定期賣地以及復建居屋等,作為平抑樓價的手段,而稍後會繼續就樓市問題向當局質詢。民建聯    陳鑑林    亦表示,現時供樓的負擔,已令一般市民非常吃力,他表示會要求當局正視並增加供應,令市民有較多選擇,減低負擔。

 匯豐亞太區行政總裁王冬勝表示,樓價上漲幅度雖與家庭入息增長出現「小量脫節」,但匯豐審批按揭貸款並未收緊,仍按一貫方法嚴謹監控。(劉焌陶攝)

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