07 Oct 2022
壓力測試放寬 月入要求降低一成
Stress test relaxed, monthly income requirement reduced by 10%
金管局日前公佈放寬按揭「壓力測試」要求，用作評估加息防守力的假定按息升幅由3厘降至2厘，適時按照市場變化作出調整。按揭供款壓力測試的推出主要是幫助供樓人士應對按息上升的壓力，多年來有效降低信貸風險，但由於香港已進入加息周期，按息已有所上升，加上市場預期是次加息周期或於明年見頂，相信港息累計加幅不會跟足美息，故此將壓測假定升幅調減至2厘已為供樓人士提供足夠防守力，亦已可保障銀行信貸風險不會增加，令措施更貼市；相信有助置業人士在加息期作好預算及準備，避免在按息上升時引致買家入市難度增加，對樓市起正面調節作用。
壓力測試放寬前，若屬於首套房按揭及自用物業人士，計法以目前按息假定上升3厘後，供款佔入息比率不超於60%；現時放寬壓測後，上述計法之按息假定升幅則降至升2厘。以較多人選用之30年還款期計，壓力測試假定升幅由3厘調低至2厘後，通過壓測的月入要求降低約11%，以平均按揭額約500萬元為例，通過壓測的最低月入由$47,971降至$42,845，降低$5,126，入巿門檻即時降低; 另外，以每月入息$10,000計，可借按揭額增加高達約$12.5萬，以家庭入息$40,000為例，可獲批之按揭額增加約$50萬，以承造6成按揭、30年期計，樓價選擇可由約$695萬提高至$778萬。
壓力測試放寬前，以二手物業市場按息2.725%計，銀行會以加3厘後之5.725厘計算壓測，現時放寬調整後則以4.725厘計算壓測，當未來按息續升，例如升至3%水平，供款壓力測試便會調整至5厘計算，故此用家需留意息率之變化，當息率上升，用家需相應地加上加息幅度去計算自身還款能力。
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The HKMA announced a few days ago to relax the mortgage "stress test" requirements, and the assumed mortgage rate increase used to assess the defense of interest rate hikes will be reduced from 3% to 2%, and adjustments will be made in accordance with market changes in due course. The introduction of the mortgage payment stress test is mainly to help homeowners cope with the pressure of rising mortgage rates, and has effectively reduced credit risk over the years. The interest rate cycle may peak next year, and it is believed that the cumulative increase in Hong Kong interest rates will not keep pace with US interest rates. Therefore, reducing the assumed increase in the stress test to 2% has provided sufficient defense for property buyers, and can also protect against bank credit risks. It will increase, making the measures more suitable for the market; I believe that it will help home buyers to prepare their budgets and prepare during the interest rate hike period, and avoid making it more difficult for buyers to enter the market when the interest rate rises, which will have a positive adjustment effect on the property market.
Before the relaxation of the stress test, if they belong to the first-time mortgage and self-use property owners, the calculation method is based on the assumption that the current mortgage interest rate will increase by 3%, and the contribution to income ratio will not exceed 60%; The assumed rate of increase was reduced to 2%. Based on the 30-year repayment period that most people choose, the stress test assumes that the increase is reduced from 3% to 2%, and the monthly income requirement for passing the stress test is reduced by about 11%. Taking the average mortgage amount of about 5 million yuan as an example, The minimum monthly income that passes the stress test is reduced from $47,971 to $42,845, a decrease of $5,126, and the entry threshold is immediately lowered; in addition, based on a monthly income of $10,000, the loanable amount can be increased by up to about $125,000. Taking a household income of $40,000 as an example, The approved mortgage amount will increase by about $500,000, and the property price option can be increased from about $6.95 million to $7.78 million based on a 60% mortgage with a 30-year term.
Before the relaxation of the stress test, the interest rate for the second-hand property market was calculated at 2.725%, and the bank would calculate the stress test at 5.725% after adding 3%. Now, after the adjustment is relaxed, the stress test is calculated at 4.725%. When it reaches the level of 3%, the contribution stress test will be adjusted to 5% for calculation. Therefore, users should pay attention to the changes in interest rates. When the interest rate increases, users need to add the rate of interest rate increase accordingly to calculate their repayment ability.
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